Slide 1: 2Q26 Earnings Presentation: Rule of 50 in action
Earnings Presentation | 2Q26 Rule of 50 in action 2Q26 Earnings Presentation August 2026 1
Slide 2: Agenda
Earnings Presentation | 2Q26 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: Highlights 2Q26: Rule of 50 in action
Earnings Presentation | 2Q26 Rule of 50 Highlights 2Q26 in action 45.3 Total 44.0 Clients ROE Net Revenue Growth 43.1 4 5 .0 41.3 +16.3% +240 +31.7% YoY Net 4 0 . 4 5 0 Basis Points YoY 39.3 421 Income 37.7 395 4 0 36.1 374 34.9 336 315 3 5 0 33.3 3 5 .0 3 0 31.7 275 287 30.4 243 2 5 0 29.4 206 3 0
Slide 4: CEO Overview
Earnings Presentation | 2Q26 CEO Overview João Vitor Menin | Global CEO 4
Slide 5: Rule of 50 in action
Earnings Presentation | 2Q26 Rule of 50 Rule of 50 trajectory In % in action ~50% 48.0% 45.8% 45.0% Total Net Revenue growth Rule of 37.6% (YoY) 50 31.7% Growth + Net Revenue Growth ROE1 16.3% 16.3% 11.1% 13.8% = 4.2% Profitability Rule of 50 ROE 2023 2024 2025 2Q26 2026E 2027E 2028E 2029E 48% Buffe
Slide 6: Inter by Design delivering sustainable and profitable growth
Earnings Presentation | 2Q26 Inter by Design delivering sustainable and profitable growth +3.0x +2.3x -32p.p. +18p.p. Gross Revenue Active Clients Efficiency Ratio1 ROE2 Growth Growth Improvement Expansion since 3Q22 since 3Q22 since 3Q22 since 3Q22 Sustainable Scalable Unique Profitable Revenue Dis
Slide 7: Inter's flywheel getting stronger every quarter
Earnings Presentation | 2Q26 Inter's flywheel getting stronger every quarter Market Share 3Q22 In % 9.6% Current 28 bps 8.6% 545 bps + 7.7% + 446 bps 7.8% + 4.2% 217 bps 4.2% + 2.5% 3.2% 241 bps 2.0% 57 bps 0.4% 31 bps + 2.0% + 0.7% 1.5% + 0.1% Home Equity PIX FX Tesouro Direto Private Credit Cards
Slide 8: Growing opportunity as we deepen and expand our addressable market
Earnings Presentation | 2Q26 Growing opportunity as we deepen and expand our addressable market Brazilian Loan Market – June 20261 Top 5 Banks R$1.3 Trillion R$ 2.7 Trillion R$2.6 Trillion Δ 2019 - 2026 Market Share2 Others 0.1 Home Equity, FGTS & Others 0.2 SME/Corporate 2.0 Personal 0.5 Auto 0.4 6
Slide 9: Our strongest quarter ever
Earnings Presentation | 2Q26 Our strongest quarter ever 1st quarter of: Gaining Scale R$100+ bn in Total Assets Rule of 50 in action Expanding Margin Double-digit NIM Creating Value Surpassed capital neutrality Note: Definitions are in the Glossary section of this Earnings Presentation. CEO Overview
Slide 10: Business Update
Earnings Presentation | 2Q26 Business Update Alexandre Riccio | Brazil CEO 10
Slide 11: Client growth fueling a stronger and more active base
Earnings Presentation | 2Q26 Client growth fueling a stronger and more active base Total Number of Clients Gross ARPAC By Cohort In millions In R$, monthly +R$100 R$59 44.0 45.3 12 0 Mature Gross ARPAC Avg. Gross ARPAC 43.1 4 5 .0 41.3 110 39.3 4 0 . 37.7 36.1 100 34.9 3 5 .0 33.3 90 80 26.4 3 0 . 2
Slide 12: Increasing monetization with stable CTS
Earnings Presentation | 2Q26 Increasing monetization with stable CTS ARPAC and CTS Evolution In R$, monthly 56.8 58.5 57.0 58.6 53.7 49.3 50.0 44.7 47.2 33.6 33.2 35.1 34.1 35.5 30.4 32.5 31.4 32.3 12.3 13.8 14.0 13.1 13.1 13.1 13.8 13.1 13.2 21.2 22.2 20.2 21.0 18.7 19.6 19.1 18.1 18.2 2Q24 3Q24 4Q
Slide 13: High activation levels translating into strong TPV growth
Earnings Presentation | 2Q26 High activation levels translating into strong TPV growth Cards + PIX TPV1 +5 bps R$ 1.8 trillion Cards + PIX TPV per Active Client In R$ billions 2Q26 Run Rate % YoY In R$ thousand, monthly ˜9% PIX transactions QoQ +31 14 Market Share2 bps Thousands 1 2 0 .0 YoY 462 453
Slide 14: Credit Cards reshaping strategy evolving and expanding margins
Earnings Presentation | 2Q26 Credit Cards reshaping strategy evolving and expanding margins Credit Card Portfolio Breakdown In R$ billion +25% Increasing product YoY penetration among 1 8 .0 Active Clients With Credit Card active clients 15.6 16.0 YoY Growth 1 6 .0 15.3 1.7; 14.0 1.5; 1.7; 10.8% 10.
Slide 15: Private Payroll delivering strong growth
Earnings Presentation | 2Q26 Private Payroll delivering strong growth R$4.5 33 Private Payroll Portfolio k months In R$ billions, active clients in thousands Average Average ticket¹ term² 629 570 2.8 3.7x 3 .0 2.5 Higher ARPAC3 than Inter’s 2 .5 447 Average client 2 .0 1.9 2.5% 1 .5 Market Share4 in
Slide 16: Business accounts is a significant opportunity
Earnings Presentation | 2Q26 Business accounts is a significant opportunity Total Business Clients In millions +24% 2.8x Higher ARPAC than Inter’s average2 3 .0 2.9 2.8 2 .8 2.6 2 .6 2.4 2.5 11.7% of Brazil’s companies has an 2 .4 2 .2 account at Inter3 2 .0 1 .8 15% QoQ 1 .6 2Q26 Portfolio1 growth
Slide 17: Two engines to drive fee income growth
Earnings Presentation | 2Q26 Two engines to drive fee income growth Commissions-related Credit-related growth growth Banking Interchange Subscription Plans to be launched Higher growth on Credit Credit TPV Investments Acquiring Advisory for high income clients Inter Pag growth Inter Ads Insurance Ad
Slide 18: Ecosystem strength validated by accelerating product adoption
Earnings Presentation | 2Q26 Ecosystem strength validated by accelerating product adoption Active Clients per Product Older Products Newer Products In millions 19.0 PIX 19.1 22.3 8.9 Inter Deposits Debit Loop Card1 7 6.1 Fixed Income 6 5.5 (CDB1,2) Piggy Bank 5.2 5 Credit Cards1 4 Active Clients 3.5
Slide 19: Financial Performance
Earnings Presentation | 2Q26 Financial Performance Santiago Stel | SVP CFO 19
Slide 20: Diversified revenue streams delivering consistent compounding growth
Earnings Presentation | 2Q26 Diversified revenue streams delivering consistent compounding growth Revenue In R$ millions 5 ,0 00 4,589 4 ,5 00 4,294 4,346 4 ,0 00 3,977 3,567 3 ,50 0 3,162 2,963 2,684 2,637 3 ,0 00 2,404 2,398 2,441 593; 2 ,50 0 2,162 559; 2,003 579; 22% 1,844 1,838 539; 24% 23% 1,6
Slide 21: NIM growth reflecting our execution capability
Earnings Presentation | 2Q26 NIM growth reflecting our execution capability NIM1 14.9% 16. 0% 14.9% 14.9% In % 14.5% 14.5% Average CDI of 11.0 0% the Quarter 14. 0% 13.0% 10.12% NIM 2.0 10. 00 % 9.57% 9.54% 9.28% 11.1% 9.07% 8.84% 12. 0% 8.68% 8.74% 9. 00 % 10.5% 8.24% 8. 00 % 10. 0% 10.4% 8.4% 7.9%
Slide 22: Strong credit growth combined with disciplined capital allocation
Earnings Presentation | 2Q26 Strong credit growth combined with disciplined capital allocation Expanded Loan Portfolio1 & Loan per active client QoQ YoY In R$ billion & in R$ thousands 1.93 1.93 1.97 1 .9 7 1 .9 2 1.83 1 .8 7 1.79 1.77 1.73 1.73 1.73 55.4 1 .8 2 1 .7 1 .7 2 52.9 3.5; 6.3% 51.0 3.1;
Slide 23: Sound asset quality amid fast portfolio growth
Earnings Presentation | 2Q26 Sound asset quality amid fast portfolio growth NPLs1 All-in Cost of Risk3 & Coverage Ratio4 7 .0 % In % 7 .0 % In % 6 .5 % 6 .5 % 6 .0 % 6 .0 % 5 .5 % 5.0% 5.1% 4.9% 5.1% 5.3% NPL > 90 days 5 .5 % 4.6% 4.6% 4.5% 4.7% 4.8% 5 .0 % NPL > 90 days 5 .0 % 4.6% NPL 15 to 90 day
Slide 24: Private Payroll asset quality reflecting a product in maturity
Earnings Presentation | 2Q26 Private Payroll asset quality reflecting a product in maturity 6 .0 % NPL > 90 YoY Bridge In % Private Payroll 5 .5 % +12 bps 5.0% +53 bps Delinquency is primarily driven 5 .0 % by the loss of linkage when clients change jobs 4.4% Systemic solution 4 .5 % to be launched
Slide 25: High-growth and diversified funding franchise
Earnings Presentation | 2Q26 High-growth and diversified funding franchise Funding, Funding per Active Client and Loans over Deposits In R$ billions, in R$ thousands & in % 8 0 % 7 5 % 69% 67% 67% 68% 68% 7 0 % 65% 63% 65% 65% 6 5 % 6 0 % 2 .2 2.06 2.11 2.02 2.08 2 .1 1.98 1.93 1.96 1.90 2 .1 1.85 2
Slide 26: Low cost of funding sustaining competitive advantages
Earnings Presentation | 2Q26 Low cost of funding sustaining competitive advantages Cost of Funding1 In %, annualized 68.2% 65.4% 65.6% 65.9% 64.3% 64.2% 64.8% 64.1% 63.8% 22.0 % 17.0% 14.5% 14.9% 14.9% 14.9% 14.5% 13.0% 10.5% 11.1% 10.4% 12.0% 10.2% 9.8% 9.5% 9.6% 9.4% 8.3% 6.8% 6.8% 7.1% 7.0% 2.0%
Slide 27: Controlled expenses while we keep scaling our business
Earnings Presentation | 2Q26 Controlled expenses while we keep scaling our business Expenses¹ In R$ millions 1 ,2 0 1,015 1,036 996 110; 11% 1 ,0 0 913 112; 11% 93; 9% 873 841 831 85; 9% 787 61; 7% 77; 9% 8 00 67; 8% 285; 303; 53; 7% 313; 29% 31% 29% 660 257; 285; 284; 235; 31% 53; 8% 29% 259; 34% 2
Slide 28: Operating leverage in action with expenses growing well below revenues
Earnings Presentation | 2Q26 Operating leverage in action with expenses growing well below revenues Revenue and Expenses Efficiency Ratio2 In %, index in a 100 basis In % 258 Net Revenue IOC adjusted 1 65 . 0 % Inter Pag acquisition 238 62.4% 234 212 60 . 0 % 53.4% 194 181 180 55 . 0 % 163 SG&A 51.7
Slide 29: A track record of sustainable and compounding results
Earnings Presentation | 2Q26 A track record of sustainable and compounding results ROTE 17.6% (Excluding only 16.8% goodwill) Net Income & ROE 16.4% 16.3% In R$ millions and in % 15.5% 15.5% ROE 15.2% 15.1% 14.1% 14.2% Net 13.7% 13.9% 421 Income 12.9% 395 12.3% 12.5% 374 11.3% 10.6% 336 10.0% 9.8% 3
Slide 30: Surpassing capital neutrality at Banco Inter
Earnings Presentation | 2Q26 Surpassing capital neutrality at Banco Inter 25 . 0 % Basel Ratio – Banco Inter S.A. CET1 Ratio Reference Equity In % In % In R$ billions Basel Ratio +39% 20 . 0 % Inter&Co Inc. 19.3%1 13.0% +70 bps 9 .0 15.7% Basel 7.8 8 .0 14.6% 14.4% 14.4% Ratio 15 .0 % 1.3% 14.0% 12
Slide 31: Appendix
Earnings Presentation | 2Q26 Appendix 31
Slide 32: Balance Sheet and Income Statement
Earnings Presentation | 2Q26 Balance Sheet (In R$ million) Income Statement (In R$ million) CEO Overview Business Update Financial Performance Appendix 32
Slide 33: Disclaimer
Earnings Presentation | 2Q26 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 34: Non-IFRS measures and KPIs
Earnings Presentation | 2Q26 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 35: Non-IFRS measures and KPIs
Earnings Presentation | 2Q26 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 36: Non-IFRS measures and KPIs
Earnings Presentation | 2Q26 Non-IFRS measures and KPIs NIM 2.0 – IEP Only: Gross take rate: Inter Shop gross revenue Net interest income and income from securities, derivatives and foreign Exchange x 4 GMV Average of 2 Last Quarters Earning Portfolio (Cash and cash equivalents + Amounts due from Di
Slide 37: Non-IFRS measures and KPIs
Earnings Presentation | 2Q26 Non-IFRS measures and KPIs Securities: Return on Average Assets (ROA): Income from securities and derivatives – Income from derivatives (ProDit (loss) for the quarter)× 4 Stage 3 formation: Average of last 2 quarters of total assets Stage 3 balance in the current quarter
Slide 38: Earnings Presentation | 2Q26
Earnings Presentation | 2Q26 38