财务数据和关键指标变化 - 公司2023年第四季度实现创纪录的净收入BRL22亿,全年净收入达到BRL81亿,同比增长31% [37][38] - 公司2023年第四季度实现创纪录的净利润BRL1.6亿,全年净利润达到BRL6.4亿,ROE达到8.5% [42] - 公司2023年第四季度实现创纪录的EBITDA BRL2.08亿,同比增长50% [42] 各条业务线数据和关键指标变化 - 银行业务:第四季度交易总额超过BRL2,500亿,全年达到BRL8,510亿,同比增长45% [15] - 信用卡业务:信用卡交易额同比增长36% [15] - 保险业务:第四季度保险销售超过38.8万件,全年活跃客户达到170万,净收入创纪录达到BRL4,700万 [20] - 投资业务:客户数同比增长66%,管理资产达到BRL920亿,其中第三方固定收益产品达到BRL90亿 [21] - 全球业务:客户数超过200万,存款和资产管理规模达到3.6亿美元,同比增长4倍 [22] - 忠诚度业务:活跃客户达到540万,较上季度增加150万 [23] 各个市场数据和关键指标变化 - 公司在巴西PIX支付市场占有8%的份额,未来有望进一步提升 [48][49] - 公司在美国市场通过赞助奥兰多城市和奥兰多骄傲足球俱乐部,以及获得其球场命名权,提升品牌知名度 [22] 公司战略和发展方向及行业竞争 - 公司提出"60-30-30"五年战略目标,即到2027年实现6,000万客户、30%的效率比率和10%的ROE [6][8] - 公司通过不断创新和推出新产品,如PIX信贷、买现付后等,持续提升客户粘性和产品竞争力 [25][49] - 公司将继续专注于提升运营效率,预计2024年收入增速将高于成本增速,推动效率比率进一步改善 [58][59] 管理层对经营环境和未来前景的评论 - 管理层对公司2023年的业绩表现感到自豪,认为已经超越了"60-30-30"计划的第一年目标 [6][8][10] - 管理层对公司未来的发展前景充满信心,认为公司已经达到了盈利的拐点,未来的增长和盈利能力只会更好 [10] - 管理层表示将继续保持高度的创新和投入,同时也将更加注重提升运营效率,以确保公司能够持续高速增长和提升盈利能力 [44][58][59] 问答环节重要的提问和回答 问题1 **Thiago Batista 提问** 对PIX信贷业务的初步看法和未来发展潜力 [47][48][49] **João Vitor Menin 回答** 公司对PIX信贷业务非常看好,认为其用户体验和经济效益都优于传统信用卡,未来有望成为支付行业的"游戏规则改变者" [48][49] 问题2 **Tito Labarta 提问** 公司本季度利润率有所下降,是否会持续 [52][53][54][55][56] **Santiago Stel 回答** 公司通过主动重组不良贷款,在本季度采取了一些措施来降低风险成本,这对利润率产生了一定影响,但公司认为未来这种情况不会持续,利润率水平将保持稳定 [53][54][55][56] 问题3 **Neha Agarwala 提问** 公司2024年的贷款增长和ROE目标 [71][72][73][74][75][80] **Santiago Stel 回答** 公司没有具体提供2024年的数字目标,但表示将延续2023年下半年的良好趋势,在收入增长和成本控制方面继续保持优势,推动ROE和净利润持续改善 [80]

Consolidated Financial Statements For the year ended December 31, 2023 Contents Management report 2 Report of the independent auditors on the consolidated financial statements 4 Consolidated balance sheets 9 Consolidated income statements 10 Consolidated statements of comprehensive income 11 Consolidated statements of cash flows 12 Consolidated statements of changes in equity 13 Notes to the consolidated financial statements 14 Note 1. Activity and structure of Inter & Co, Inc. and its subsidiaries 14 Note ...

Inter & Co, Inc. (NASDAQ:INTR) Q3 2023 Earnings Conference Call November 6, 2023 11:00 AM ET Company Participants João Vitor Menin - CEO Alexandre Riccio - SVP, Retail Banking Santiago Stel - SVP, Finance and Risks Conference Call Participants Flavio Yoshida - Bank of America Rafael Frade - Citi Neha Agarwala - HSBC Yuri Fernandes - JPMorgan Eduardo Rosman - BTG Pedro Leduc - Itau BBA Thiago Batista - UBS Operator Good afternoon, and thank you for standing by. Welcome to the Inter & Co's Third Quarter Earni ...

Unaudited interim condensed consolidated financial statements As of for the twelve-months period ended September 30, 2023 Contents Management report 2 Report of the independent auditors on the condensed consolidated interim financial statements 4 Consolidated balance sheets 6 Consolidated statements of income 7 Consolidated statements of comprehensive income 8 Consolidated statements of cash flows 9 Consolidated statements of changes in equity 10 Consolidated statements of added value 11 Notes to the conden ...

EARNINGS PRESENTATION | 2Q23 2Q23 Earnings Presentation ...

Inter & Co, Inc. (NASDAQ:INTR) Q2 2023 Results Conference Call August 14, 2023 2:00 PM ET Company Participants João Vitor Menin - CEO Alexandre Riccio - SVP, Retail Banking Santiago Stel - SVP, Finance and Risks Conference Call Participants Thiago Batista - UBS Yuri Fernandes - JPMorgan Eduardo Rosman - BTG Rafael Frade - Citi Pedro Leduc - Itaú BBA Neha Agarwala - HSBC Tito Labarta - Goldman Sachs Operator Good afternoon, and thank you for standing by. Welcome to the Inter & Co Second Quarter Earnings Conf ...

EXHIBIT 99.1 1. THE ISSUER'S ACTIVITIES 1.1. The issuer’s history Briefly describe the history of the issuer Brief History of the Issuer - From Intermedium Financeira to Inter&Co, Inc We were founded in September of 1994 under the name Intermedium Crédito, Financiamento e Investimento S.A. ("Intermedium Financeira") and began operations in 1995, providing personal loans to individuals and working capital loans to small and medium-sized companies. From 1995 to 2007, we operated mainly in the state of Minas G ...

Unaudited Condensed consolidated interim financial statements as of for the three-month period ended March 31, 2023 Contents Management report 2 Report of the independent auditors on the condensed consolidated interim financial statements 4 Consolidated balance sheets 6 Consolidated statements of income 7 Consolidated statements of comprehensive income 8 Consolidated statements of cash flows 9 Consolidated statements of changes in equity 10 Consolidated statements of added value 11 Notes to the condensed co ...

As filed with the Securities and Exchange Commission on April 28, 2023 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 20-F ☐ REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to ...