Nu (NU) Investor presentation summary

Market position and customer base

• Among the largest digital financial services platforms globally, serving 131 million customers across Brazil, Mexico, and Colombia.

• Holds leading positions in customer numbers: 113M in Brazil, 14M in Mexico, and 4M in Colombia.

• In Brazil, 62% of adults are customers, and 25M gained their first credit card or account through the platform.

• In Mexico, ranks third in credit cards issued and is among the top five financial institutions by customer count.

• In Colombia, is the third largest issuer of CDTs and has 11% population penetration.

Product and service offerings

• Offers a broad suite of products: credit cards, personal loans, accounts, investments, crypto, SME services, and more.

• Provides specialized products for different markets, including secured and unsecured loans, money boxes, and youth accounts.

• Continues to expand offerings, such as NuCel, NuPay, and Turbo Money Boxes.

Regulatory and operational footprint

• Holds key licenses: US national bank charter (pending), Mexican banking license (approved), and multiple Brazilian licenses.

• Operates with a low-cost model: $7 customer acquisition cost, <$1 cost to serve, and high customer-to-employee ratios.

• Achieves high operational leverage and advantaged unit economics that improve with scale.