Inter & Co (INTR) investor relations material

Strategic vision and new financial targets

• Introduced the Rule of 50, combining revenue growth and ROE, as the new North Star, building on the previous 60-30-30 plan.

• Aims for 30%+ annual revenue growth and ROE expansion to 28%-30% by 2029, with a 3.5-year plan horizon.

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

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

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

Business model and technology enablers

• Built a unified Super App offering over 180 products across seven verticals, driving engagement, cross-sell, and monetization.

• Leveraged a massive real-time data vault and AI-powered tools for hyper-personalized client experiences and operational efficiency.

• Introduced 'Seven', a multi-agent AI tool for clients, and scaled generative AI for employees and operations.

• Platformized core systems for efficient product launches and global scalability.

• Data-driven credit engine and risk management underpin sustainable growth and controlled risk.

Financial strategy and guidance

• Focuses on sustainable, diversified growth through secured lending, robust deposit franchise, and technology-driven efficiency.

• Achieved 33% CAGR in net revenue and 15.5% ROE as of 1Q26, with expanding profitability.

• Maintains a balanced approach between growth and profitability, emphasizing capital neutrality and self-funded expansion.

• Maintained a highly diversified, fast-growing deposit base and low cost of funding (64% of CDI).

• Sufficient capital to double the loan portfolio, with a pro-forma capital ratio of 21.9%.