Inter & Co (INTR) investor relations material

Strategic vision and guidance

• Introduced the Rule of 50, combining revenue growth and ROE, as the new North Star, building on the previous 60-30-30 plan and aiming for 50%+ annually through 2029.

• Achieved strong growth since 2022, doubling active clients and improving capital allocation and deposit franchise strength.

• Recognized as a leading digital financial super app, with top rankings in brand strength and app usage in Brazil.

• Maintains focus on sustainable, profitable growth, targeting 30%+ revenue growth and ROE expansion to 28-30% by 2029.

• Share price increased 2.7x over three years, reflecting disciplined execution and market recognition.

Technology, data, and AI as core enablers

• Platformization of technology enables rapid product launches and geographic expansion, with a single code base and reusable features.

• Data Vault aggregates vast client data, supporting advanced AI models for underwriting, cross-sell, and customer experience.

• AI is deployed at enterprise scale, with over 550 models in production and the Seven agentic platform driving hyper-personalization and operational efficiency.

• AI-driven credit underwriting and collections have improved risk-adjusted NIM, asset quality, and recovery rates, with dynamic, individualized pricing.

• Technology and AI are expected to further reduce cost-to-serve and enhance margins, supporting the Rule of 50 targets.

Execution priorities and financial performance

• Principality, deposits, and credit penetration are the three pillars driving monetization and engagement.

• Super App ecosystem with 180+ products across seven verticals increases cross-sell, client stickiness, and ARPAC.

• Deposit franchise is highly diversified, low-cost, and sticky, supporting an 80% loan-to-deposit ratio and robust funding.

• Credit portfolio growth is led by secured products, with private payroll and real estate loans targeted for market share gains and high ROE.

• Fee-based revenue and credit ARPAC are rising, with credit clients generating 3x higher ARPAC than average.