Slide 1: 1Q26 Earnings Presentation
Earnings Presentation | 1Q26 1Q26 Earnings Presentation May 2026 1
Slide 2: Agenda
Earnings Presentation | 1Q26 Agenda 1. CEO Overview 2. Business Overview 3. Financial Performance João Vitor Menin | Global CEO Alexandre Riccio | Brazil CEO Santiago Stel | SVP CFO 2
Slide 3: CEO Overview
Earnings Presentation | 1Q26 CEO Overview João Vitor Menin | Global CEO 3
Slide 4: Highlights: Gross Loan Portfolio R$50bn
Earnings Presentation | 1Q26 Highlights Gross Loan Portfolio1 ROE +15.5% 44.0 Total 1Q26 R$50bn +33% YoY growth +263 Basis Points YoY 43.1 Clients 41.3 39.3 Net 395 Income 4 0 37.7 374 3 5 0 36.1 336 34.9 315 3 0 33.3 275 287 2 5 0 31.7 243 30.4 206 2 0 29.4 183 27.8 151 26.3 1 5 0 1 0 91 49 5 0 11
Slide 5: Stay Tuned! May 11th
Earnings Presentation | 1Q26 Stay Tuned! 9 a.m. EST May 11th Nasdaq Marketsite, New York City Live Webcast registration CEO Overview Business Update Financial Performance Closing Remarks Appendix 5
Slide 6: Agenda
Earnings Presentation | 1Q26 Agenda The Vision The Financial Strategy The Execution The Enablers x João Vitor Menin Santiago Stel Alexandre Riccio Priscila Salles Guilherme Ximenes Mauro Rangel Global CEO SVP CFO Brazil CEO CCO CIO Credit & Collec. Officer Rodrigo Gouveia Rafaela Vitoria Marlos Arau
Slide 7: Presenting Seven, our AI tool for clients
Earnings Presentation | 1Q26 Presenting SEVEN Our AI Tool to clients Seven Chat, ask, explore possibilities Inter’s multi-agent Transact, deliver, AI tool for clients get things done 6 different agent types trained to deliver the Optimize, learn, best client experience (& more to come…) make better
Slide 8: Business Update
Earnings Presentation | 1Q26 Business Update Alexandre Riccio | Brazil CEO 8
Slide 9: Client growth fueling a stronger and more active base
Earnings Presentation | 1Q26 Client growth fueling a stronger and more active base Total Number of Clients In millions +4.2 +4.2 Highest quarterly delta in 1.5 activation rate since 2024 Δ Active clients +1.0 +1.0 +1.1 +1.0 +1.0 +1.1 +1.2 +1.1 +0.8 1 43.1 44.0 0.5 41.3 39.3 4 0 . 37.7 0 34.9 36.1 33
Slide 10: High activation levels translating into strong TPV growth
Earnings Presentation | 1Q26 High activation levels translating into strong TPV growth Cards + PIX TPV1 R$ 1.7 trillion Cards + PIX TPV per Active Client ˜ 9% In R$ billions 1Q26 Run Rate PIX transactions In R$ thousand, monthly % YoY Market Share2 1 2 0 .0 462 +25% Thousands 10 1 0 .0 412 427 364 3
Slide 11: Healthy and balanced growth across the credit portfolio
Earnings Presentation | 1Q26 Healthy and balanced growth across the credit portfolio Loan Portfolio1 Private Payroll Portfolio Credit Card Portfolio Breakdown In R$ billion In R$ billion In R$ billion YoY +0.6 bn QoQ YoY 6 0 .0 33% 3 .0 27% +27% Total 15.3 15.6 2.5 1 6 .0 48.3 49.8 +33% Total 2 .5 0
Slide 12: Gaining market share across every key product
Earnings Presentation | 1Q26 Gaining market share across every key product Market Share 1Q25 In % 1Q26 12. 0% 10. 0% 9.6% 158 bps 8.5% 39 bps + + 8.0% 8.2% 8.1% 6.0% 4.6% +35 bps 4.3% 36 bps 4.0% + 4.3% 3.9% 2.4% 16 bps 2.6% 2.5% + 199 bps 2. 0% 1.3% 6 bps 0.7% 16 bps 0.5% + + 1.2% + 0.0% 0.5% Home
Slide 13: Financial Performance
Earnings Presentation | 1Q26 Financial Performance Santiago Stel | SVP CFO 13
Slide 14: Strong credit growth driven by a disciplined diversification strategy
Earnings Presentation | 1Q26 Strong credit growth driven by a disciplined diversification strategy Loan Portfolio1 & Loan per active client QoQ YoY In R$ billion & in R$ thousands 1.93 1.93 +0% +11% Loan per Active Client² 1.83 2 .0 1.77 1.79 1.77 2 .0 1.73 1.73 1.73 1 .9 1 .9 1 .8 1 .8 1 .7 49.8 +3
Slide 15: Sound asset quality amid fast portfolio growth
Earnings Presentation | 1Q26 Sound asset quality amid fast portfolio growth NPLs1 All-in Cost of Risk3 & Coverage Ratio4 In % In % 6 .0 % 5.0% 5.0% 5.1% 4.9% 5.1% 5 .5 % 5 .0 % 4.6% 4.6% 4.5% 4.7% NPL > 90 days Cost of Risk 5.4% 5.3% 5.6% 6 .0 % 4 .5 % 4.6% 4.6% NPL 15 to 90 days 4.9% 4.7% 4.9% 4.8%
Slide 16: High-growth and diversified funding franchise
Earnings Presentation | 1Q26 High-growth and diversified funding franchise Funding, Funding per Active Client and Loans over Deposits 8 0 % In R$ billions, in R$ thousands & in % QoQ YoY 70% 69% 67% 67% Loans to 7 5 % 65% 65% 65% 66% +1.1 p.p. +4.0 p.p. 63% Deposits Ratio⁵ 7 0 % 6 5 % 2.06 2.11 Depo
Slide 17: Low and stable cost of funding sustaining competitive advantages
Earnings Presentation | 1Q26 Low and stable cost of funding sustaining competitive advantages Cost of Funding1 In %, annualized One of the lowest Cost of Funding in the industry QoQ YoY 67.0% 68.2% 67.7% Cost of Funding as 22.0 % 65.4% 64.2% 65.9% 65.6% 65.2% -2.5 p.p. -0.7 p.p. % of CDI (business 6
Slide 18: Diversified revenue streams delivering consistent compounding growth
Earnings Presentation | 1Q26 Diversified revenue streams delivering consistent compounding growth Revenue QoQ YoY In R$ millions 4 ,5 00 4,294 4,346 +1% +37% Total Gross Revenue 4 ,0 00 3,977 3,567 3 ,50 0 3,162 3 ,0 00 2,963 2,684 2,404 2,398 2,441 +2% +33% Total Net Revenue 2 ,50 0 2,291 2,162 559
Slide 19: New cohorts showing increasingly monetization with disciplined CTS
Earnings Presentation | 1Q26 New cohorts showing increasingly monetization with disciplined CTS Gross ARPAC By Cohort ARPAC and CTS Evolution In R$, monthly QoQ YoY In R$, monthly 56.8 58.5 57.0 -3% +14% 53.7 R$133 49.3 50.0 45.2 47.2 12 0 Mature Gross ARPAC 44.7 110 33.6 33.2 35.1 34.1 30.4 32.5 31
Slide 20: NIM resilience reflecting our pricing power
Earnings Presentation | 1Q26 NIM resilience reflecting our pricing power NIM1 In % 16. 0% 11.0 0% 14.9% 14.9% 14.9% Average CDI of 14.5% the Quarter 13.0% 9.57% 9.54% 14. 0% 10. 00 % 9.28% NIM 2.0 9.07% 8.68% 8.74% 8.84% 9. 00 % 12. 0% 11.3% 11.1% 8.22% 8.24% 10.4% 8. 00 % 10. 0% 10.5% 8.4% Annualiz
Slide 21: Controlled expenses while we keep scaling our business
Earnings Presentation | 1Q26 Controlled expenses while we keep scaling our business Expenses Breakdown In R$ millions 1 ,2 0 QoQ YoY 1,015 996 -2% +20% Total 1 ,0 0 913 112; 11% 93; 9% -17% +38% Depreciation 873 and amortization 841 831 85; 9% 787 61; 7% 77; 9% 8 00 67; 8% 285; 53; 7% 313; 31% 29% 6
Slide 22: Operating leverage in action with expenses growing well below revenues
Earnings Presentation | 1Q26 Operating leverage in action with expenses growing well below revenues Revenue and Expenses Efficiency Ratio2 In %, index in a 100 basis In % 238 Net Revenue Inter Pag acquisition 234 IOC adjusted1 7 0 . 0 % 212 65 . 0 % 194 62.4% 181 180 60 . 0 % 163 SG&A 53.4% 170 167
Slide 23: Crossing the 15.5% ROE with momentum to go further
Earnings Presentation | 1Q26 Crossing the 15.5% ROE with momentum to go further 18.9% 19.4% ROTE Net Income & ROE 17.6% 17.9% In R$ millions and in % 16.3% 15.1% 15.5% ROE 15.7% 14.2% 13.9% 14.1% 12.5% 12.9% 395 Net Income 12.1% 374 4 0 11.3% 11.3% 336 10.0% 3 5 0 9.8% 315 9.2% 275 287 8.2% 3 0 2 5
Slide 24: Closing Remarks
Earnings Presentation | 1Q26 Closing Remarks João Vitor Menin | Global CEO 24
Slide 25: AI Banking Revolution
Earnings Presentation | 1Q26 AI Banking Revolution Banking Revolution 25
Slide 26: May 11th Live Broadcast
Earnings Presentation | 1Q26 Live Broadcast here 9 a.m. EST May 11th Nasdaq Marketsite, New York City 26
Slide 27: Q&A
Earnings Presentation | 1Q26 Q&A 27
Slide 28: Appendix
Earnings Presentation | 1Q26 Appendix 28
Slide 29: Capital Structure
Earnings Presentation | 1Q26 Capital Structure Basel Ratio – Banco Inter S.A. Reference Equity In % In R$ billions Significant excess capital in the holding structure 10% 8% 7% 6% 8% 8% 9% 10% Loan Portfolio 4% 6% 3% 11% 9% QoQ Growth +38% 2% 7% 8% 7% 25 . 0 % 5% 7% 2% 6% 5% RWA 6% 3% 1% 7.6 1% 8 .0
Slide 30: Balance Sheet and Income Statement
Earnings Presentation | 1Q26 Balance Sheet (In R$ million) Income Statement (In R$ million) Variation % Variation % 03/31/2026 12/31/2025 03/31/2025 ∆QoQ ∆YoY 1Q26 4Q25 1Q25 ∆QoQ ∆YoY Balance Sheet Income Statement Assets Interest income 2,569 2,477 1,807 +3.7% +42.2% Cash and equivalents 4,297 3,80
Slide 31: Disclaimer
Earnings Presentation | 1Q26 Disclaimer This report may contain forward-looking statements regarding Inter, anticipated synergies, growth plans, projected results and future strategies. While these forward-looking statements reflect our Management’s good faith beliefs, they involve known and unknown
Slide 32: Non-IFRS measures and KPIs
Earnings Presentation | 1Q26 Non-IFRS measures and KPIs ARPAC net of interest expenses: Activation Rate: (Revenue − Interest expenses) ÷ 3 Average of the last 2 quarters Active Clients Number of active clients at the end of the quarter Total number of clients at the end of the quarter ARPAC per quar
Slide 33: Non-IFRS measures and KPIs
Earnings Presentation | 1Q26 Non-IFRS measures and KPIs Cost of funding normalized by business days: Efficiency ratio: Interest expenses × 4 ÷ business days in the quarter × 63 Average of last 2 quarters Interest bearing liabilities Personnel expense + Administrative expenses + Depreciation and amor
Slide 34: Non-IFRS measures and KPIs
Earnings Presentation | 1Q26 Non-IFRS measures and KPIs Loan portfolio: Loans and Advance to Customers, gross of provision for expected losses NPL 15 to 90 days - Excluding Credit Card Receivables: Margin per active client gross of interest expenses: Overdue 15 to 90 days ARPAC gross of interest exp
Slide 35: Non-IFRS measures and KPIs
Earnings Presentation | 1Q26 Non-IFRS measures and KPIs Risk-Adjusted NIM 2.0: Net interest income and income from securities, derivatives and foreign exchange x4 −Impairment losses on Dinancial assets Average of 2 Last Quarters Earning Portfolio (Cash and cash equivalents + Amounts due from Dinanci
Slide 36: Earnings Presentation | 1Q26
EARNINGS PRESENTATION | 4Q24 Earnings Presentation | 1Q26 36