Inter & Co (INTR) investor relations material

Strategic vision and new guidance

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

• Rule of 50 targets at least 50% combined annual revenue growth and ROE, aiming for 28-30% ROE by 2029.

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

• Focus remains on sustainable, profitable growth, leveraging a diversified product ecosystem and expanding credit penetration.

• Expansion strategy includes scaling the Super App model internationally, starting with Latin American expatriates in the U.S.

Financial performance and operational achievements

• Achieved significant progress on 60-30-30: client base doubled, efficiency ratio improved from 75% to 44%, and ROE increased from -1.7% to above 15%.

• Revenue growth consistently above 30% since 2018, with credit portfolio growth outpacing client growth (36% in the last year).

• Fee-based revenue now exceeds 20% of total revenue, supported by a diversified product suite and strong cross-sell.

• Maintains a low cost of funding (64% of CDI) and a sticky, diversified deposit base, supporting an 80% loan-to-deposit ratio.

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

Technology, AI, and risk management

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

• Over 550 AI models in production, including the Seven agentic platform, driving efficiency and revenue growth.

• Data points per client increased 180% since 2024, fueling advanced AI models for underwriting, collections, and hyper-personalization.

• AI-driven credit underwriting and collections have improved risk-adjusted NIM from 3.9% to 5.6% and enabled hyper-personalized pricing.

• Risk management framework ensures a healthy balance sheet, capital flexibility, and readiness for regulatory and macroeconomic changes.