Inter & Co. Inc. · NASDAQ:INTR
Inter & — Investor Day (May 2026)
161 slides from Inter &'s investor day presentation, May 11, 2026
Slide 1: Owners' Day
ill Owners’ Day sinter
Slide 2: Disclaimer
2 Owners' Day | 2026 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 risks a
Slide 3: Rafaela Vitória, Head of IR
3 Owners' Day | 2026 Rafaela Vitória Head of IR
Slide 4: Execution, The Core Enablers, Closing Remarks + Q&A
4 Owners' Day | 2026 1 2 3 4 5 The Vision The Financial Strategy The Execution The Core Enablers Closing Remarks + Q&A
Slide 5: The Vision
5 Owners' Day | 2026 The Vision João Vitor Menin | CEO Global
Slide 6: The Vision
6 Owners' Day | 2026 The Vision João Vitor Menin | CEO Global
Slide 7: Key topics in today's CEO report
7 Owners' Day | 2026 Overview Past 3 Years Next 3 Years Our strong performance since 2022 Our current priorities to build Inter’s future Key topics in today's CEO report The Financial Strategy The Execution Core Enablers Closing + Q&A Past 3 Years Next 3 Years The Vision Note: Definitions are in the
Slide 8: Key topics in today's CEO report
8 Owners' Day | 2026 Overview Past 3 Years Our strong performance since 2022 Key topics in today's CEO report The Financial Strategy The Execution Core Enablers Closing + Q&A Past 3 Years Next 3 Years The Vision Note: Definitions are in the Glossary section of this Presentation.
Slide 9: 60/30/30 plan: Good progress toward our long-term targets
9 Owners' Day | 2026 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 60/30/30 plan: Good progress toward our long- term targets Past 3 Years % Progress to Achievement 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% 44m 44% 15% Mar/26 57% Ac
Slide 10: The results are a testament to disciplined execution
10 Owners' Day | 2026 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 The results are a testament to disciplined execution Past 3 Years #2 Best Brazilian bank2#1 Finance app2 #3 Strongest bank brand2 Branding Recognitions 7th Stronge
Slide 11: Delivering Shareholder Value +2.7x in 3 Years
11 Owners' Day | 2026 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 Chart Title Investor Day Jan. 18th, 2023 $2.43 $6.48 Owners’ Day May 8th, 2026 +2.7x Delivering Shareholder Value +2.7x in 3 Years And share-price performance tell
Slide 12: We built the best-in-class Financial Super App
12 Owners' Day | 2026 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 Complete Banking Build Client Base & Funding Integrated Commerce Global Capabilities Grow Engagement & Monetization Expand Across Borders Leading Super App for Cli
Slide 13: We are stronger & more efficient since our last Investor Day
13 Owners' Day | 2026 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 In the market Across the company With our stakeholdersImproved our execution in every area Clients Solutions Service Leadership Regulators Investors Operations Inn
Slide 14: CEO Reflection: Proud of our progress, but driven to do more
14 Owners' Day | 2026 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 Past 3 Years CEO Reflection Proud of our progress, but driven to do more Our achievements Opportunities ahead ü 2x growth in active clients1 ü Superior capital all
Slide 15: Key topics in today's CEO report
15 Owners' Day | 2026 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 Overview Past 3 Years Our strong performance since 2022 Key topics in today's CEO report The Financial Strategy The i l l i Past 3 Years Next 3 Years The Vision
Slide 16: Key topics in today's CEO report
16 Owners' Day | 2026 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 Overview Past 3 Years Our strong performance since 2022 Next 3 Years Our current priorities to build Inter’s future Key topics in today's CEO report The Financial
Slide 17: 3SA pillars of our business strategy
17 Owners' Day | 2026 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 3SA 3 pillars of our business strategy Next 3 Years Super app Single Smart Data Vault Multi-agent AI tool for clients Seven Massive real-time data vault Seven Note
Slide 18: Our 3SA approach
18 Owners' Day | 2026 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 Next 3 Years Our 3SA approach Superior client experience to engage clients SUPER APPSINGLE SMART One Account AI Powered Multiple Verticals & Channels One Seamless
Slide 19: Complete suite of products to monetize
19 Owners' Day | 2026 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 Complete suite of products to monetize Over 180 products Across 7 verticals Next 3 Years 7 Verticals Generating thousands of transaction data points in a virtuous
Slide 20: Inter Data Vault: The data foundation that powers AI
20 Owners' Day | 2026 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 Real-time data · Data quality · Governance Foundations to deliver security & performance Next 3 Years Unifies · Organizes · Enrich Client signals & data Inter Data
Slide 21: Multi-agent AI tool for clients
21 Owners' Day | 2026 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 Next 3 Years Multi-agent AI tool for clients Chat, ask, explore possibilities Transact, deliver, get things done Optimize, learn, make better decisions Note: Defin
Slide 22: Our Plan to Keep Delivering: Balance of Growth & Profitability
22 Owners' Day | 2026 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 Our Plan to Keep Delivering Balance of Growth & Profitability
Slide 23: We are evolving our long-term plans
23 Owners' Day | 2026 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 We are evolving our long-term plans We Remain on Track to Achieve Them & It Will Continue Driving Forward Very Specific KPI Target Levels to Prove Our Strategy & M
Slide 24: Our new north star
24 Owners' Day | 2026 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 Next 3 Years Our new north star Consistent Balance of Growth & Profitability As We Scale to a New Level Note: Definitions are in the Glossary section of this Prese
Slide 25: Our Battle Plan for the Future
25 Owners' Day | 2026 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 • Increase Deposits • Increase Credit Penetration • Increase Principality With Clear Focus & Key Enablers • Tech and Data • Credit Engine With Core Enablers Next 3
Slide 26: Execution, The Core Enablers, Closing Remarks + Q&A
26 Owners' Day | 2026 1 2 3 4 5 The Vision The Financial Strategy The Execution The Core Enablers Closing Remarks + Q&A
Slide 27: Santiago Stel, CFO
27 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 Owners' Day | 2026 The Financial Strategy Santiago Stel | CFO
Slide 28: How has the Brazilian banking industry evolved?
28 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 Owners' Day | 2026 How has the Brazilian banking industry evolved?
Slide 29: 10 years ago, Brazilian banks were failing their clients
29 Owners' Day | 2026 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 Note: Definitions are in the Glossary section of this Presentation. Note 1: Data from Banco Central do Brasil. Individuals loan portfolio as of December 2016. Note
Slide 30: Tailwinds that enabled disruption
30 Owners' Day | 2026 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 Tailwinds that enabled disruption Initiatives from Bacen & the Government Regulators Salary Portability Digital Signature PIX Private Payroll 1 Note: Definitions a
Slide 31: The upside of the digital banking revolution
31 Owners' Day | 2026 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 42% 36% 22% 2013 2019 2025 Banking Fee Revenue & Bank Accounts in Brazil In % The upside of the digital banking revolution 1.4 billion Bank accounts surged, while
Slide 32: The downside of the digital banking revolution
32 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 Owners' Day | 2026 98 132 389145 280 718 243 412 1,107 2013 2019 2025 Credit Cards + Personal Loans1 In R$ millions, nominal Personal Loans (non-payroll) Credit Cards Total Meanwhile
Slide 33: Most digital banks have targeted the unsecured market
33 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 Owners' Day | 2026 Most digital banks have targeted the unsecured market Unsecured3 Personal Loans Secured4 Personal Loans SME/Corporate + Rural R$1.2 Trillion R$ 2.6 Trillion R$2.7
Slide 34: But we chose a different path
34 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 Owners' Day | 2026 But we chose a different path Uniquely positioned in the Brazilian market Why?
Slide 35: We chose a different path, targeting secured personal loans
35 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 Owners' Day | 2026 We chose a different path, targeting the large secured personal loan market Cards Personal Others Mortgage Payroll Auto Home Equity, FGTS & Others Rural SME/Corpor
Slide 36: A differentiated formula for winning in this market
36 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 Owners' Day | 2026 We have a differentiated formula for winning in this market Sustainable Revenue Growth Scalable Distribution Capabilities Unique Cost Efficiencies by Design Profit
Slide 37: Sustainable Lending
37 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 Owners' Day | 2026 Sustainable Lending 53% 23% 19% 14% 36% 9% 7% 2% 2% 1% INSS + Public Payroll Private Payroll Personal Loan + Overdraft (Non-Payroll) Card Revolving Credit & Instal
Slide 38: A large-scale distribution platform driving product adoption
38 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 Owners' Day | 2026 4. 2% 7. 8% 0 .8 % 2. 0 % 0 .1 % 0 .8 % 0 .4 % 9.6% 8.5% 4.6% 4.3% 2.5% 1.3% 0.7% 0.0% 2.0% 4.0% 6.0% 8.0% 10.0% 12.0% Home Equity PF PIX Tra nsa ctions FGTS Loans
Slide 39: Unique combination of low cost of funding & cost-to-serve
39 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 Owners' Day | 2026 98% 78% 64% Median of Fintechs Median of Incumbents Inter Unique combination of low cost of funding & cost-to-serve Cost-to-serve per active client1,2,3 In R$ mont
Slide 40: Sustainable growth with expanding profitability
40 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 Owners' Day | 2026 (11) 302 907 1,312 1,421 ( 20 ) 1 80 3 80 5 80 7 80 9 80 1 ,18 0 1 ,38 0 1 ,58 0 2022 2023 2024 2025 Mar/26 LTM The result: sustainable growth with expanding profi
Slide 41: What is our strategic plan for the coming years?
41 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 Owners' Day | 2026 What is our strategic plan for the coming years?
Slide 42: Our new north star
42 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 Owners' Day | 2026 Our new north star: & it is built on top of: Note: Definitions are in the Glossary section of this Presentation.
Slide 43: What do we mean by the north star?
43 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 Owners' Day | 2026 What do we mean by “Rule of 50”? Net Revenue Growth ROE1 Rule of 50 Illustrative ROE1 + Net Revenue Growth (YoY) In % Rule of 50 ROE1 Buffer zone 38% 46% 45% ~50%
Slide 44: Size Matters: Revenue Growth
44 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 Owners' Day | 2026 Size Matters Revenue Growth ’ Net Revenue Growth ROE1,2 Rule of 50 = + Note: Definitions are in the Glossary section of this Presentation. Note 1: Non-IFRS Financi
Slide 45: What drove revenue growth and what's next?
45 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 Owners' Day | 2026 What drove revenue growth and what's next? 3Q22 Net Revenue Fee Income Growth NIM¹ Growth Leveraged IEP Growth Unleveraged IEP Growth 1Q26 Net Revenue IEP4 / Equit
Slide 46: Profitability Matters: ROE Expansion
46 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 Owners' Day | 2026 Profitability Matters ROE1,2 Expansion Net Revenue Growth ROE1.2 Rule of 50 = + Note: Definitions are in the Glossary section of this Presentation. Note 1: Non-IFR
Slide 47: 2023 Investor Day ROE Bridge
47 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 Owners' Day | 2026 9% 2023 Investor Day ROE8 Bridge In % 1.3% 28% 17% Excl. Growth Investments Full Repricing +8 p.p. +8 p.p. Capital Efficiency+11 p.p. 2023 Investor Day Bridge: Ste
Slide 48: ROE Growth 3Q22 to 1Q26
48 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 Owners' Day | 2026 ROE 3Q22 Adj. CAC Expenses ECL Expenses Personnel Expenses ROE Pro-Forma 1 Real Estate Payroll Holding Debt ROE Pro-Forma 2 Excess Capital ROE Pro-Forma 3 ROE 3Q22
Slide 49: ROE Trajectory
49 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 Owners' Day | 2026l f ROE 1Q26 Credit Underwriting Capital Efficiency Treasury Optimization Fees and Other Business Trajectory ~28% 15.5% ü Current marginal ROE1,5 4-6 p.p. ü Cost ef
Slide 50: Credit ROE Bridge
50 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 Owners' Day | 2026l f Credit Underwriting Treasury Optimization Additional Operational Leverage Potential Credit ROE6 Bridge In % 12% +7 p.p. +3 p.p. 22% 0 % 5 % 1 0% 1 5% 2 0% 2 5%
Slide 51: Decomposition of ROE by timeframe
51 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 Owners' Day | 2026 What is the decomposition of ROE by timeframe? l f ROE Trajectory In % 1Q26 ROE Near-term Medium-term Trajectory 15.5% 2-3 p.p. p.p. contribution 8-12 p.p. ~28% Ne
Slide 52: Recapping our financial strategy
52 Owners' Day | 2026 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 Recapping our financial strategy 52 Banking Industry Strategy designed to balance growth with profitability by Design Sustainable Growth X Scalable Distribution X
Slide 53: The Vision, The Execution, The Core Enablers
CONFIDENCIAL | Work in Progress | April 17th 53 Owners' Day | 2026 1 2 3 4 5 The Vision João Vitor Global CEO Santiago SVP CFO Rafaela IR Head Santiago SVP CFO Thais CHRO Rodrigo CBO Alexandre Brazil CEO Marlos CRO Priscila CCO João Vitor Global CEO Mauro Credit & Collections Officer Alexandre Brazi
Slide 54: The Execution
54 Owners' Day | 2026 The Execution Alexandre | Brazil CEO Priscila Salles | CCO Rodrigo | CBO Rafaela | IR Head
Slide 55: Executing our long-term plan
55 The Vision The Financial Strategy Core Enablers Closing + Q&A Principality Deposits Credit Penetration Monetization The Execution Owners' Day | 2026 Credit Deposits Principality Higher Monetization Principality Executing our long-term plan
Slide 56: Increasing Principality
56 Owners' Day | 2026 Increasing Principality Priscila Salles| Chief Client Officer Rodrigo Gouveia| Chief Business Officer
Slide 57: Driving engagement and revenue growth
57 Owners' Day | 2026 Driving engagement and revenue growth
Slide 58: Track record on client adds & client activation
58 The Vision The Financial Strategy Core Enablers Closing + Q&A Principality Deposits Credit Penetration Monetization The Execution Owners' Day | 2026 0 0 0 55% 2 57% 5 55% 9 52% 10 52% 14 55% 17 57% 22 59% 26 0 0.01 0.1 0.4 1 4 9 16 19 26 32 38 44 - 5 .0 1 0. 0 1 5.0 0 2 0. 0 2 5.0 0 3 0. 0 3 5.0
Slide 59: Why does principality matter?
59 The Vision The Financial Strategy Core Enablers Closing + Q&A Principality Deposits Credit Penetration Monetization The Execution Owners' Day | 2026 Why does principality matter? Our Ignition Point Principality Note: Definitions are in the Glossary section of this Presentation. Note 1: Non-IFRS F
Slide 60: Increasing principality leads to more product adoption and less churn
60 The Vision The Financial Strategy Core Enablers Closing + Q&A Principality Deposits Credit Penetration Monetization The Execution Owners' Day | 2026Principality Note: Definitions are in the Glossary section of this Presentation. Note 1: Inter average client. Note 2: Client with Inter as Primary B
Slide 61: A powerful economic engine
61 The Vision The Financial Strategy Core Enablers Closing + Q&A Principality Deposits Credit Penetration Monetization The Execution Owners' Day | 2026Principality Deeper Relationships Higher Engagement Higher Monetization Greater Cross-Sell A powerful economic engine 01 02 0304
Slide 62: How do we win principality at scale?
62 The Vision The Financial Strategy Core Enablers Closing + Q&A Principality Deposits Credit Penetration Monetization The Execution Owners' Day | 2026 How do we win principality at scale?
Slide 63: Principality driven by 3SA
63 The Vision The Financial Strategy Core Enablers Closing + Q&A Principality Deposits Credit Penetration Monetization The Execution Owners' Day | 2026 Single Smart Super App Creating a Delightful Experience Increasing Engagement Principality Principality driven by 3SA Note: Definitions are in the G
Slide 64: Single Smart Super App: One app for all products
64 The Vision The Financial Strategy Core Enablers Closing + Q&A Principality Deposits Credit Penetration Monetization The Execution Owners' Day | 2026 Single Smart Super App One app for all products ONE place for ALL clients to use ALL our products Principality 1 Login Onboarding Relationship 1 1 N
Slide 65: One app for all products
65 The Vision The Financial Strategy Core Enablers Closing + Q&A Principality Deposits Credit Penetration Monetization The Execution Owners' Day | 2026 Single Smart Super App1 Login Onboarding Relationship 1 1 Incumbent Bank 1 Incumbent Bank 2 Incumbent Bank 3 Incumbent Bank 4 Incumbent Bank 5 ONE p
Slide 66: App Hyper-Personalization
66 The Vision The Financial Strategy Core Enablers Closing + Q&A Principality Deposits Credit Penetration Monetization The Execution Owners' Day | 2026 App Hyper-Personalization AI-enabled UX anticipates client needs & drives additional revenue Our app is hyper- personalized Principality Single Smar
Slide 67: Seven: Multi-agent AI tool for clients
67 The Vision The Financial Strategy Core Enablers Closing + Q&A Principality Deposits Credit Penetration Monetization The Execution Owners' Day | 2026 “SEVEN” Multi-agent AI tool for clients Single Smart Super App Our app is hyper- personalized Principality Note: Definitions are in the Glossary sec
Slide 68: Our app is comprehensive
68 The Vision The Financial Strategy Core Enablers Closing + Q&A Principality Deposits Credit Penetration Monetization The Execution Owners' Day | 2026 Single Smart Super App Our app is comprehensive Banking Insurance Investing Credit Shopping Global account Checking Accounts Payments Life Property
Slide 69: Our ecosystem increases engagement
69 The Vision The Financial Strategy Core Enablers Closing + Q&A Principality Deposits Credit Penetration Monetization The Execution Owners' Day | 2026 Our ecosystem increases engagement as it serves our clients’ daily needs Principality Note: Definitions are in the Glossary section of this Presenta
Slide 70: Loop Loyalty Program
70 The Vision The Financial Strategy Core Enablers Closing + Q&A Principality Deposits Credit Penetration Monetization The Execution Owners' Day | 2026 Loop Loyalty Program Incentivizes transactions within our ecosystem Shopping Purchase and get loops “Loop” currency is earned and redeemed across ou
Slide 71: Loop Loyalty Program drives share-of-wallet gains
71 The Vision The Financial Strategy Core Enablers Closing + Q&A Principality Deposits Credit Penetration Monetization The Execution Owners' Day | 2026 Loop Loyalty Program Drives share-of-wallet gains & principality Lower Churn1 2 More Products 3 More Loops Earned 4 More Engagement 18+Million Clien
Slide 72: All transactional products drive principality
72 The Vision The Financial Strategy Core Enablers Closing + Q&A Principality Deposits Credit Penetration Monetization The Execution Owners' Day | 2026 All transactional products drive principality Multi-year Relationship Cross-Sell Engine Unique Convenient Trusted Relationship Sticky Balances Habit
Slide 73: Executing our long-term plan
73 The Vision The Financial Strategy Core Enablers Closing + Q&A Principality Deposits Credit Penetration Monetization The Execution Owners' Day | 2026Principality Executing our long-term plan Credit Higher Monetization Note: Definitions are in the Glossary section of this Presentation. Deposits Pri
Slide 74: Deposits: our crown jewel
74 The Vision The Financial Strategy Core Enablers Closing + Q&A Principality Deposits Credit Penetration Monetization The Execution Owners' Day | 2026 High transactional engagement1 Strong deposits franchise2 Differentiated deposit value proposition 3 Our crown jewel enables key competitive advanta
Slide 75: High transactional engagement
75 Owners' Day | 2026 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 0 2 4 6 8 10 1 3 5 7 9 11 13 15 17 19 21 23 230+ PIX transactions per second1 Pix + Cards TPV3,4 R$ thousands, monthly Quarters of relationship 1Q26 1Q18 PIX Marke
Slide 76: Strong deposits franchise
76 The Vision The Financial Strategy Core Enablers Closing + Q&A Principality Deposits Credit Penetration Monetization The Execution Owners' Day | 2026 33 44 55 73 74 4Q22 4Q23 4Q24 4Q25 1Q26 Funding1 In R$ billions Our deposit base is highly diversified & fast-growing 2 Highly Diversified Deposits
Slide 77: Differentiated deposit value proposition
77 The Vision The Financial Strategy Core Enablers Closing + Q&A Principality Deposits Credit Penetration Monetization The Execution Owners' Day | 2026 85 NPS1 Excellence level 2nd best Brazilian bank according to 2 Our Trusted Brand Our Broad Product Offering We win with a unique value proposition
Slide 78: Deposit franchise provides key competitive advantages
78 The Vision The Financial Strategy Core Enablers Closing + Q&A Principality Deposits Credit Penetration Monetization The Execution Owners' Day | 2026 Higher Lending Power As a result, our deposit franchise is a crown jewel that provides key competitive advantages Lower Cost of Funding1 Better Data
Slide 79: Executing our long-term plan
79 The Vision The Financial Strategy Core Enablers Closing + Q&A Principality Deposits Credit Penetration Monetization The Execution Owners' Day | 2026Deposits Executing our long-term plan Credit Deposits Principality Higher Monetization Note: Definitions are in the Glossary section of this Presenta
Slide 80: Mining our existing client base for credit opportunity
80 The Vision The Financial Strategy Core Enablers Closing + Q&A Principality Deposits Credit Penetration Monetization The Execution Owners' Day | 2026 ˜44MM Total Clients ˜9MM Credit Clients We are “mining” our existing client base to unlock the embedded credit opportunity 2 1 Note: Definitions are
Slide 81: Increased credit penetration, with room to go
81 The Vision The Financial Strategy Core Enablers Closing + Q&A Principality Deposits Credit Penetration Monetization The Execution Owners' Day | 2026 …with much more room to go Active Clients with Credit Products1 In millions +28% CAGR …to be continued 3.7 8.7 0 .2 1.2 2.2 3.2 4.2 5.2 6.2 7.2 8.2
Slide 82: Primary focus to increase credit penetration
82 The Vision The Financial Strategy Core Enablers Closing + Q&A Principality Deposits Credit Penetration Monetization The Execution Owners' Day | 2026 Our primary focus to increase credit penetration: Private Payroll Loans Real Estate Loans Credit Cards Note: Definitions are in the Glossary section
Slide 83: Private payroll is a large opportunity
83 The Vision The Financial Strategy Core Enablers Closing + Q&A Principality Deposits Credit Penetration Monetization The Execution Owners' Day | 2026 2.5% Market Share in Mar/26 Private payroll is a large opportunity Private Payroll Market1 Mar/25: R$41Bn Mar/26: R$102Bn 2.5x 282 447 570 0.2 1.3 1
Slide 84: Private Payroll: clear right to win
84 The Vision The Financial Strategy Core Enablers Closing + Q&A Principality Deposits Credit Penetration Monetization The Execution Owners' Day | 2026 We have a clear right to win …which we believe is highly achievable: Distribution Power Lack of Product Conflict Track Record in Similar Products Lo
Slide 85: Private Payroll: Why does this matter?
85 The Vision The Financial Strategy Core Enablers Closing + Q&A Principality Deposits Credit Penetration Monetization The Execution Owners' Day | 2026 Private Payroll Why does this matter? High Cross-Sell High ARPAC High ROE Note: Definitions are in the Glossary section of this Presentation. Note 1
Slide 86: Private Payroll: High cross-sell, ARPAC and ROE
86 The Vision The Financial Strategy Core Enablers Closing + Q&A Principality Deposits Credit Penetration Monetization The Execution Owners' Day | 2026 High ARPAC High Cross-Sell 4.5 6.4 - 1 .0 2 .0 3 .0 4 .0 5 .0 6 .0 7 .0 Inter Private Payroll 1,2 1 57 232 Inter Private Payroll Note: Definitions a
Slide 87: Mortgages: growing quickly & gaining share
87 The Vision The Financial Strategy Core Enablers Closing + Q&A Principality Deposits Credit Penetration Monetization The Execution Owners' Day | 2026 Mortgages We are growing quickly & gaining share 12% 46% Market Inter Portfolio Growth 1Q26 YoY Growth (%) 4x Faster Home Equity 25% 50% Market Inte
Slide 88: Real Estate: clear right to win
88 The Vision The Financial Strategy Core Enablers Closing + Q&A Principality Deposits Credit Penetration Monetization The Execution Owners' Day | 2026 …which we believe is highly achievable: Industry Shift To Market-based Funding Our Lower CTS1 & Cost of Funding1 Automated Offers and Approvals Real
Slide 89: Real Estate: Why does this matter?
89 The Vision The Financial Strategy Core Enablers Closing + Q&A Principality Deposits Credit Penetration Monetization The Execution Owners' Day | 2026 Why does this matter? High Cross-Sell High ARPAC High ROE Real Estate Note: Definitions are in the Glossary section of this Presentation. Note 1: Re
Slide 90: Real Estate: High cross-sell, ARPAC and ROE
90 The Vision The Financial Strategy Core Enablers Closing + Q&A Principality Deposits Credit Penetration Monetization The Execution Owners' Day | 2026 High Cross-Sell High ARPAC High ROE 57 6,002 9,560 Inter Overall Mortgage Home Equity 4.5 8.5 8.6 Inter Home Equity Mortgage 1,2,5 1,2,6 +25% margin
Slide 91: Credit Cards: powerful product for client principality
91 The Vision The Financial Strategy Core Enablers Closing + Q&A Principality Deposits Credit Penetration Monetization The Execution Owners' Day | 2026 Credit Cards Credit Cards A Powerful product for client principality Note: Definitions are in the Glossary section of this Presentation. Note 1: Coh
Slide 92: Credit Cards: executing our reshaping strategy
92 The Vision The Financial Strategy Core Enablers Closing + Q&A Principality Deposits Credit Penetration Monetization The Execution Owners' Day | 2026 Credit Cards We are executing our reshaping strategy… RevolvingTransactor Credit is Needed Before Payments Become Unmanageable Installment …to make
Slide 93: Executing our long-term plan
93 The Vision The Financial Strategy Core Enablers Closing + Q&A Principality Deposits Credit Penetration Monetization The Execution Owners' Day | 2026 Executing our long-term plan Credit Deposits Principality Higher Monetization Note: Definitions are in the Glossary section of this Presentation.
Slide 94: Client Monetization
94 Owners' Day | 2026 Client Monetization Rafaela Vitória | Head IR
Slide 95: How do we monetize our clients?
95 The Vision The Financial Strategy Core Enablers Closing + Q&A Principality Deposits Credit Penetration Monetization The Execution Owners' Day | 2026 How do we monetize our clients?
Slide 96: Diversified ARPAC composition
96 The Vision The Financial Strategy Core Enablers Closing + Q&A Principality Deposits Credit Penetration Monetization The Execution Owners' Day | 2026 R$ 9 16% R$ 14 24% R$ 34 59% Fee-Based ARPAC Liquidity-Based ARPAC Interest-Based ARPAC Total 57R$ Gross ARPAC1 1Q26 Gross ARPAC1 Composition In R$,
Slide 97: Gross ARPAC contribution per product
97 The Vision The Financial Strategy Core Enablers Closing + Q&A Principality Deposits Credit Penetration Monetization The Execution Owners' Day | 2026 CSI3 Avg. Gross ARPAC2 CSI3 Avg. Gross ARPAC2 CSI3 Avg. Gross ARPAC2 31R$ CSI Gross ARPAC2 Contribution per Product % of Total ARPAC, as of 1Q26 Adu
Slide 98: ARPAC expands as clients mature
98 The Vision The Financial Strategy Core Enablers Closing + Q&A Principality Deposits Credit Penetration Monetization The Execution Owners' Day | 2026 0 to 4 5 to 9 10 to 14 15 to 19 20 to 24 25 to 29 30 to 34 35 to 39 40 to 44 45 to 49 50 to 54 55 to 59 60 to 64 4.1 22.7 46.6 63.9 80.6 94.2 100.7
Slide 99: Incremental ARPAC per Vertical
99 The Vision The Financial Strategy Core Enablers Closing + Q&A Principality Deposits Credit Penetration Monetization The Execution Owners' Day | 2026 174 135 68 63 57 GlobalInsuranceShoppingInvestmentsInter Incremental ARPAC1 per Vertical In R$, monthly Resulting in incremental ARPAC beyond the ve
Slide 100: Unlocking ARPAC growth with credit penetration
100 The Vision The Financial Strategy Core Enablers Closing + Q&A Principality Deposits Credit Penetration Monetization The Execution Owners' Day | 2026 Active Client Growth vs. ARPAC4 In R$, monthly Active clients1 Credit Active Clients 2 11.7 25.8 - 5 .0 1 0. 1 5.0 2 0. 2 5.0 3 0. 3Q22 1Q26 3.7 8.
Slide 101: Expanding ARPAC Across All Cohorts
101 The Vision The Financial Strategy Core Enablers Closing + Q&A Principality Deposits Credit Penetration Monetization The Execution Owners' Day | 2026 0 20 40 60 80 100 120 1 4 7 10 13 16 19 22 25 28 31 Quarters of relationship 1Q26 1Q18 Gross ARPAC1 per Cohort In R$, monthly Monetization Expandin
Slide 102: How this all connects
102 The Vision The Financial Strategy Core Enablers Closing + Q&A Principality Deposits Credit Penetration Monetization The Execution Owners' Day | 2026Monetization How this all connect to the Rule of 50? Credit Deposits Principality Higher Monetization
Slide 103: Execution, The Core Enablers, Closing Remarks + Q&A
103 The Vision The Financial Strategy Core Enablers Closing + Q&A Principality Deposits Credit Penetration Monetization The Execution Owners' Day | 2026 1 2 3 4 5 The Vision The Financial Strategy The Execution The Core Enablers Closing Remarks + Q&A
Slide 104: Our Technology & AI
104 Owners' Day | 2026 Our Technology & AI Guilherme Ximenes | CIO
Slide 105: Tech & Data Evolutions
105 Owners' Day | 2026 Owners Day | 2026 105 1 Strengthening Our Tech Foundation Tech & Data Evolutions Scaling AI Across Inter & to our Clients 3 Expanding Our Data Advantages 2 105
Slide 106: Strengthening our tech foundation by platformizing core systems
106 Owners' Day | 2026 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 On a platform concept, the core resources are reusable and standardized... …with this, the features are extensible and several products can be developed... ... an
Slide 107: Expanding our data advantages by increasing data points
107 Owners' Day | 2026 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 Expanding our data advantages by increasing data points and inferences Tech Day 2024 March 2026 500 1,400 Data Points Gathered per Client on Average1 180% Banking
Slide 108: Expanding our data advantages: Data Vault
108 Owners' Day | 2026 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 Real time data Quality Governance Available Data In Petabytes +43 PB 2019 2025 Inter’s D A T A V A U L T Better ExperiencesBetter Underwriting Better Cross-Sellin
Slide 109: Scaling GenAI for all employees
109 Owners' Day | 2026 20+ LLM models inside Inter’s GenAI platform, Such as: +1,000Bn Processed Tokens2 Scaling GenAI for all employees Empowering our employees to be more productive +400Bn Day-to-day usage across business +600Bn Software engineers usage through Cursor The Vision The Core Enablers
Slide 110: Scaling GenAI for our clients
110 Owners' Day | 2026 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 Leveraging our Data Vault Power Enabling a better client experienceInter’s multi-agent AI tool for clients 6 different agent types trained to deliver the best cli
Slide 111: Scaling AI to unlock value across the board
111 Owners' Day | 2026 Adapted from: The AI Opportunity Radar, Gartner ‘ • Marketing • Onboarding • Client Service • Super App UX • Personalization • Value Proposition • Admin • Human Resources • Legal • Finance • Technology • Development • Pricing • Underwriting & Risk • Operations ˜550 Already in
Slide 112: Our Credit Engine
112 Owners' Day | 2026 Our Credit Engine Mauro Rangel | Credit & Collection Officer
Slide 113: Credit engine as a core enabler
113 Owners' Day | 2026 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 Elevating Our Collections Strategy Improving Our Underwriting Engine Centralizing Our Credit Governance 1 2 3 Credit engine as a core enabler of the Rule of 50 Th
Slide 114: Credit engine as a core enabler
114 Owners' Day | 2026 1 2 3 Elevating Our Collections Strategy Improving Our Underwriting Engine Centralizing Our Credit Governance The Vision The Core Enablers Closing + Q&A Tech & Data Credit Engine Risk Management People & Culture The Execution Credit engine as a core enabler of the Rule of 50 T
Slide 115: Centralizing governance
115 Owners' Day | 2026 Centralizing governance Creating faster decision-making & more consistent execution at scale 1 A Underwrites & Manages Collections Credit B Monitors Portfolio Health & Risk Limits Risks C N o w P a st Mortgage Personal SME Credit Card Decentralized pricing The Vision The Core
Slide 116: Credit engine as a core enabler
116 Owners' Day | 2026 1 2 3 Elevating Our Collections Strategy Improving Our Underwriting Engine Centralizing Our Credit Governance The Vision The Core Enablers Closing + Q&A Tech & Data Credit Engine Risk Management People & Culture The Execution Credit engine as a core enabler of the Rule of 50 T
Slide 117: Underwriting engine: Turning fragmented credit signals
117 Owners' Day | 2026 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 Turning Fragmented Credit Signals… Underwriting engine Improving the quality & quantity of data that our models ingest 2 Inter’s 7 verticals 40+ million average d
Slide 118: Unified Client View via the Data Vault
118 Owners' Day | 2026 360° Credit Signals Bureau + Behavioral + Transactional Data One unified client view combining outsourced data with our proprietary behavioral and relationship signals Unstructured Data Documents + Interactions + Other Alternative Sources We convert “messy” data into usable in
Slide 119: Underwriting engine: continuous monitoring
119 Owners' Day | 2026 Client Behavior & New Information Continuous Monitoring to Re-Assess Risks Underwriting engine Improving the effectiveness of our underlying models Fueling our continuously self-governed feedback models The Vision The Core Enablers Closing + Q&A Tech & Data Credit Engine Risk
Slide 120: Pricing models becoming more tailored for each client
120 Owners' Day | 2026 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 Underwriting engine For example, our pricing models are becoming more tailored for each client Current Pricing: Hyper-personalized 2026 - onwards Hundreds of thou
Slide 121: Hyper-personalized pricing enhancing credit profitability
121 Owners' Day | 2026 The Vision The Execution Core Enablers Closing + Q&AThe Financial Strategy The Industry Inter By Design Rule of 50 Underwriting engine Hyper-personalized pricing is already enhancing our credit profitability Good results so far: Net income increases in products with hyper-pers
Slide 122: Credit engine as a core enabler
122 Owners' Day | 2026 1 2 3 Elevating Our Collections Strategy Improving Our Underwriting Engine Centralizing Our Credit Governance The Vision The Core Enablers Closing + Q&A Tech & Data Credit Engine Risk Management People & Culture The Execution Credit engine as a core enabler of the Rule of 50 T
Slide 123: Collections strategy: AI-powered tools
123 Owners' Day | 2026 Collections strategy Using AI-powered tools to enhance the collection process Smarter Decisioning, Faster Recovery Hyper-personalized Journeys AI That Negotiates, Not Just Notifies Behavioral data driving decisions Right message, channel, time Real-time AI agent with NBO/NBA l
Slide 124: Better collections & recoveries is already a reality
124 Owners' Day | 2026 Lower delinquency rates Lower cost for Inter Better UX for the Client With no human interaction ~70% ~90% 4 0% 5 0% 6 0% 7 0% 8 0% 9 0% 1 0 % 2022 2026 Digital Collection1 In % ~20p.p. Collections strategy Better collections & recoveries is already a reality 3 The Vision The C
Slide 125: Resulting in superior outcomes
125 Owners' Day | 2026 …and this is resulting superior outcomes Portfolio Scaling with Controlled Risk Improving Risk-Adjusted NIM1s The Vision The Core Enablers Closing + Q&A Tech & Data Credit Engine Risk Management People & Culture The Execution Credit engine as a core enabler of the Rule of 50 N
Slide 126: Portfolio scaling with controlled risk
126 Owners' Day | 2026 Cost of Risk2 4.4% 3Q22 5.6% 1Q26 NPL > 90 Days2 4.0% 1Q22 5.1% 1Q26 21.0 49.8 - 10.0 20.0 30.0 40.0 50.0 60.0 3Q22 1Q26 Superior Outcomes Portfolio scaling with controlled risk The Vision The Core Enablers Closing + Q&A Tech & Data Credit Engine Risk Management People & Cultu
Slide 127: Our Risk Management
127 Owners' Day | 2026 Our Risk Management Marlos Araujo | CRO
Slide 128: Risk management supports sustainable growth
128 Owners' Day | 2026 Risk management is designed to support our sustainable growth with a healthy risk position Liabilities Equity/ Capital The Vision The Core Enablers Closing + Q&A Tech & Data Credit Engine Risk Management People & Culture The Execution Clients Products Partners Regulators Asset
Slide 129: Highly secured portfolio
129 Owners' Day | 2026 Highly secured portfolio, providing long-term sustainable growth 65% 65% 66% 66% 67% 67% 35% 35% 34% 34% 33% 33% 35.6 37.4 40.2 43.8 48.3 49.8 - 1 0. 0 2 0 .0 3 0 .0 4 0 .0 5 0 .0 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 Loan Portfolio1 Breakdown In R$ billion Unsecured2 Secured3 The Vis
Slide 130: Resilient credit risk management
130 Owners' Day | 2026 9.4% 8.8% 6.5% 7.9% 8.2% 6.4% 7.6% 7.5% 7.4% 7.2% 4Q22 4Q23 4Q24 4Q25 1Q26 Unsecured1 Stages transfer in 12-month period In % Stage 1 and 2 Provision (%) Transfer from Stage 1 and 2 to Stage 3 (%) 975 1,455 1,925 2,598 2,765 722 1,073 1,627 1,991 2,110 4Q22 4Q23 4Q24 4Q25 1Q26
Slide 131: Risk management supports sustainable growth
131 Owners' Day | 2026 Risk management is designed to support our sustainable growth with a healthy risk position Equity/ Capital Assets Clients Products Partners Regulators Liabilities The Vision The Core Enablers Closing + Q&A Tech & Data Credit Engine Risk Management People & Culture The Executio
Slide 132: Highly dispersed funding base
132 Owners' Day | 2026 98% 78% 64% Median of Fintechs Median of Incumbents Inter 5.2% 7.3% 8.3% 9.4% 74.1 TOP 10 Top 30 Top 50 Top 100 Cost of Funding3 (% CDI1)2 In % Total Funding3 Total funding3 concentrated in Inter’s top 100 clients Funding Concentration3 In % of total funding A highly dispersed
Slide 133: Strong liquidity position
133 Owners' Day | 2026 200% 202% 181% 10 0 % 12 0 % 14 0 % 16 0 % 18 0 % 2 0 % 2 20 % 2025 1Q26 Top 5 Banks … built a strong liquidity position, consistently above market benchmark and regulatory minimum Liquidity Coverage Ratio (LCR)2 In % 2x 100% Regulatory Minimum 1 +21p.p. Liabilities Equity/ Ca
Slide 134: Risk management supports sustainable growth
134 Owners' Day | 2026 Risk management is designed to support our sustainable growth with a healthy risk position Equity/ Capital Clients Products Partners Regulators Liabilities Assets The Vision The Core Enablers Closing + Q&A Tech & Data Credit Engine Risk Management People & Culture The Executio
Slide 135: As a result, we are creating alpha
135 Owners' Day | 2026 18% 23% 28% 0% 10% 20% 30% 40% Market Fintechs Inter&Co 125% Growth since 3Q22 Total Assets CAGR1, 4 In % Total Deposits CAGR1,4 In % 19% 21% 38% 0% 10% 20% 30% 40% Market Fintechs Inter&Co 156% Growth since 3Q22 As a result, we are creating alpha Liabilities Equity/ Capital A
Slide 136: Structurally stronger balance sheet position
136 Owners' Day | 2026 86% 86% 89% 14% 14% 11% 2025 1Q26 Top 5 Banks 92% 92% 92% 8% 8% 8% 2025 1Q26 Top 5 Banks Balance Sheet Composition3,4 In % Earning Assets1 Non-Earning Assets Interest- Bearing Liabilities2 Non-Interest- Bearing Liabilities 6% 3% 3 3 59%63% 8% 37% 33% 1Q26 +12M Net Exposure4 by
Slide 137: Risk management supports sustainable growth
137 Owners' Day | 2026 Risk management is designed to support our sustainable growth with a healthy risk position Liabilities Clients Products Partners Regulators Assets Equity/ Capital The Vision The Core Enablers Closing + Q&A Tech & Data Credit Engine Risk Management People & Culture The Executio
Slide 138: Putting the capital to work
138 Owners' Day | 2026 Market1 3Q22 1Q26 4Q25 11.0x 9.6x 6.1x Assets ÷ Equity2 In x +57% Putting the capital to work, but we still have room to keep growing fast Liabilities Equity/ Capital Assets The Vision The Strategy The Core Enablers Closing + Q&A Tech & Data Credit Engine Risk Management Peopl
Slide 139: Sufficient capital to double our gross loan portfolio
139 Owners' Day | 2026 12.1% +1.9 p.p. +4.6 p.p. +3.3 p.p. 21.9% 0.0% 5.0% 10.0% 15.0% 20.0% 25.0% Tier 1 Capital Tier 2 Capital Capital at Holding Subordinated Debt Pro-Forma Capital Potential Subordinated Debt3 Pro-Forma Capital Ratio1 In % Tier 2 Capital Capital at Holding2 12.8% Regulatory Requi
Slide 140: Approaching self-funding with capital neutrality
140 Owners' Day | 2026 1.8% 8.2% 12.5% 15.1% 15.5% 2.5% 8.6% 13.8% 16.7% 17.2% -1.0% 4.0% 9.0% 14.0% 19.0% 2022 2023 2024 2025 1Q26 Approaching self-funding with capital neutrality as we increase ROE4 RWA2 In R$ billions ROE1,4 & Capital Accumulation Rate1 In % 25.1 45.7 Dec/22 Dec/25 22% Average An
Slide 141: How does risk management enhance our vision?
141 Owners' Day | 2026 Principality + Deposits + Credit Rule of 50 New Growth Opportunities How does risk management enhances our vision? Risk Management Market & Liquidity Risks Changing economic environment Challenging competitive landscape Credit Risk & Capital Management Operational Risks Safe G
Slide 142: Our People & Culture
142 Owners' Day | 2026 Our People & Culture Thaís Lemos | CHRO
Slide 143: Who will make it possible?
143 Owners' Day | 2026 Who will make it possible? The Vision The Core Enablers Closing + Q&A Tech & Data Credit Engine Risk Management People & Culture The ExecutionThe Financial Strategy
Slide 144: People
144 Owners' Day | 2026 People The Vision The Core Enablers Closing + Q&A Tech & Data Credit Engine Risk Management People & Culture The ExecutionThe Financial Strategy
Slide 145: We keep evolving our organizational structure
145 Owners' Day | 2026 Global CLCO Global CROBrazil CEO João Vitor Menin Alexandre Riccio Brazil CEO P R I O R C O M P A N I E S Marco Araújo CLCO Guilherme Ximenes CIO Rodrigo Gouveia CNBO Cassio Segura U.S. Country Manager Thaís Lemos CHRO Santiago Stel CFO Marlos Araújo CRO Global CEO We keep evo
Slide 146: Structure aligned with our ambition
146 Owners' Day | 2026 João Vitor Menin Global CEO Alexandre Riccio Brazil CEO P R I O R C O M P A N I E S Marco Araújo CLCO Guilherme Ximenes CIO Rodrigo Gouveia CNBO Cassio Segura U.S. Country Manager Thaís Lemos CHRO Santiago Stel CFO Marlos Araújo CRO Global CEOWe keep evolving our organizationa
Slide 147: We brought strategic talent: over 15 new officers since 2022
147 Owners' Day | 2026 We brought strategic talent to build a world-class Over 15 new officers since 2022 2022 & 2023 2024 Yasmin Rozwadowski Securities Chief Operations Officer Rui Leandro Junior Tax Director Monica Sacarelli Investments Director Pierre Magalhães Internal Audit Director Andrea Nocc
Slide 148: Our competitive advantage to build a world-class team
148 Owners' Day | 2026 Our competitive advantage to build a world-class team ˜50% Of our leaders have top-tier experience from the market ˜50% Of our leaders are homegrown at Inter, with years of hands-on experience Our leadership combines top-tier external experience with homegrown leaders at Inter
Slide 149: Our competitive advantage to build a world-class team
149 Owners' Day | 2026 ˜50% Of our leaders are homegrown at Inter, with years of hands-on experience Our competitive advantage to build a world-class team Our leadership combines top-tier external experience with homegrown leaders at Inter. ˜50% Of our leaders have top-tier experience from the marke
Slide 150: Priorities for a future-ready workforce
150 Owners' Day | 2026 3 6 2022 2025 Increasing Re-skiling with AI to improve efficiency Attract and hire talent with future skills Build our team’s capabilities to lead in the AI era Enable our people to work smarter to create more value Priorities for a future-ready workforce: +2x Re-skiling is th
Slide 151: Culture and values
151 Owners' Day | 2026 To create a world where interactions between people generate more value Client Centricity Operational Excellence Driven by InnovationWinning Mentality Enterprise Thinking r '
Slide 152: How do we ensure our people achieve the plan?
152 Owners' Day | 2026 How do we ensure our people achieve the plan?
Slide 153: DAC: Inter's core management framework
153 Owners' Day | 2026 COMMITMENT DIRECTION ALIGNMENT DAC: Inter's core management framework VIRTUOUS CYCLE Our purpose + Rule of 50 A top-tier team with the right incentives Strong culture as an accelerator The Vision The Core Enablers Closing + Q&A Tech & Data Credit Engine Risk Management People
Slide 154: Execution, The Core Enablers, Closing Remarks + Q&A
154 Owners' Day | 2026 1 2 3 4 5 The Vision The Financial Strategy The Execution The Core Enablers Closing Remarks + Q&A
Slide 155: Key Takeaways
155 Owners' Day | 2026 7 Key Takeaways Future Vision1 Innovative DNA Execution Capability2 60/30/30: On Track! Powerful Team3 To Execute The Plan Value Creation Flywheel 4 3SA & Data Vault & Seven Improving Unit Economics Increasing Deposits Credit & Principality Clear “Battle Plan” 6 Driving Higher
Slide 156: Appendix
156 Owners' Day | 2026 Appendix 156
Slide 157: Glossary: Activation Rate, Active clients
157 Owners' Day | 2026 Activation Rate Number of active clients at the end of a given period Total number of clients at the end of a given period Active clients We define an active client as a client at any given date that was the source of any amount of revenue for us in the preceding three months,
Slide 158: Glossary: Cost-to-serve, Coverage ratio, CSI
158 Owners' Day | 2026 Cost-to-serve (CTS) Personnel Expense + Administrative Expenses + Depreciation and Amortization ÷ 3 Average of the last 2 periods Active Clients Coverage ratio Provision for expected credit loss + Provision for expected credit losses on loan commitments Overdue higher than 90
Slide 159: Glossary: Liquidity-Based ARPAC, Marginal ROE
159 Owners' Day | 2026 Liquidity-Based ARPAC (Income from securities, derivatives and foreign exchange) ÷ 3 Average of the last 2 periods Active Clients Liquidity Coverage Ratio HQLA (High Quality Liquid Assets) Net Cash OutLlows Marginal ROE Return on equity generated by the portfolio's current ori
Slide 160: Glossary: Primary Banking Relationship, ROE
160 Owners' Day | 2026 Primary Banking Relationship The primacy score analyzes 17 features and holistically measures customers' relationship with Inter against their relationship with other financial institutions¹, such that we consider "Primary" customers those who have Inter as one of their most e
Slide 161: Inter | Nasdaq Listed
sinter INTR | Nasdaq Listed