财务业绩 - 2023年12月31日实现352.3百万雷亚尔利润，而2022年同期为14.1百万雷亚尔亏损[7] - 2023年12月31日收入达到7,775.7百万雷亚尔，较2022年同期增加2,111.0百万雷亚尔[8] - 2023年12月31日累计管理费用和人工费用为1,461.3百万雷亚尔，较2022年同期减少33.1百万雷亚尔[9] - 2023年12月31日总资产达604.4亿雷亚尔，较2022年12月增长30.2%[10] - 2023年12月31日股东权益达76.0亿雷亚尔，较2022年12月31日增长7.2%[11] 业务发展 - 公司客户数超过3,040万，激活率达54.0%，较2022年12月31日增加300个基点[4] - 贷款组合余额达到298亿雷亚尔，较2022年12月31日增长31%[5] - 总存款和发行证券等总融资达到407亿雷亚尔，较2022年12月31日增长36.5%[6] - 公司的主要业务包括房地产贷款、工资贷款、企业贷款、农村贷款、信用卡业务、支票账户、投资、保险服务以及非金融服务的市场[35] - 公司于2022年6月23日完成了与Banco Inter的公司重组,成为Banco Inter的间接控股公司[33] - 公司于2022年1月收购了Inter&Co Payments, Inc.以加快全球扩张计划[34] 会计政策和估计 - 公司采用国际财务报告准则(IFRS)编制合并财务报表[36] - 公司在应用会计政策和估计过程中做出了重大判断和假设,涉及合并基础、权益法投资、金融资产分类、预期信用损失计量、企业合并和商誉减值测试等[39][40][41][42][43] - 公司在2023年采用了多项新的或经修订的会计准则,对财务报表无重大影响[44][45][46][47][48][49] - 公司将金融资产分类为以摊余成本计量、以公允价值计量且其变动计入其他综合收益或以公允价值计量且其变动计入当期损益[76,77,78,79,80,81,82,83] - 公司将现金及现金等价物定义为原到期日不超过3个月的现金及银行存款[74] - 公司采用权益法对外币交易和外币报表折算进行会计处理[69,70,71,72,73] - 公司采用公允价值计量且其变动计入其他综合收益的金融资产[84] - 公司采用公允价值计量且其变动计入损益的金融资产[85] - 公司对金融资产和金融负债进行抵销并在资产负债表中以净额列示[87] - 公司采用实际利率法计算利息收入[88] - 公司采用预期信用损失模型计量金融资产的减值[89,90,91,92,93,95,96,97,98,99,100,101,102] - 公司采用三阶段法计量预期信用损失[95,96,97] - 公司使用衍生金融工具进行公允价值套期会计[104,105,106,107] - 公司将收回贷款的资产重分类为持有待售资产[109] 企业合并 - 公司拥有100%的直接和间接子公司股权[53] - 公司于2023年1月24日通过"Inter US Holding, Inc."控股公司收购了Inter US Finance, LLC和Inter US Management, LLC两家公司100%股权[63,64] - 收购Inter US Finance, LLC和Inter US Management, LLC产生了18.18亿雷亚尔的商誉[66] - 收购Inter US Finance, LLC和Inter US Management, LLC的交易成本为362万雷亚尔[67] - 2023年收购的两家公司为集团贡献了81.22亿雷亚尔的净收入和亏损47.96亿雷亚尔[68] - 公司采用收购法对业务合并进行会计处理[59,60,61,62] - 公司对Inter&Co Payments, Inc.的商誉未发生减值[117,118,119] 资产减值 - 公司使用了基于风险投资回报率的折现率来评估业务阶段[120] - 收入增长预测考虑了修订后的美国客户曲线，符合公司未来5年的国际业务战略[121] - 预算的税前利润、折旧和摊销基于对未来业绩的预期,并考虑了过去的经验和预期的收入增长[121] - 可收回金额超过了2023年9月30日的账面金额,主要假设包括折现率55%和增长率3%[122] - 2023年8月31日,Granito Soluções em Pagamentos S.A.的可收回金额高于账面价值,未计提减值[124,129] - Granito Soluções em Pagamentos S.A.的可收回金额基于使用价值计算,折现率为17.8%,增长率为3%[129] - 公司定期评估非金融资产的减值迹象,并采用使用价值法计算可收回金额[134,135,136] 预计负债 - 公司根据法律顾问意见、诉讼性质等因素,评估计提预计负债的可能性和金额[138,139,140] 租赁 - 公司确认在租赁开始日确认使用权资产和租赁负债[164] - 使用权资产后续采用直线法在租赁期内计提折旧，除非租赁在租赁期末将相关资产所有权转移给公司或公司合理确定将行使购买选择权[165] - 租赁负债初始按尚未支付的租赁付款额的现值计量，采用租赁内含利率或公司的增量借款利率折现[166,167] - 租赁负债包括固定付款、取决于指数或利率的可变租赁付款、预计支付的残值担保金额、合理确定将行使购买选择权的行权价以及支付终止租赁罚款的金额[168] - 当租赁负债重新计量时，相应调整使用权资产的账面价值，如使用权资产账面价值已减记至零，则计入损益[169] - 公司将

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 ...

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 ...

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 ...

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 ...

inter Staying away from the comfort zone Quarterly Earnings Presentation August 2022 Inter's Latest Milestone Inter&Co Nasdaq Listing First ever conversion from Brazil to US Inter&Co now part of the Nasdaq family Another milestone on our history of re-defying boundaries 2 Quarterly performance highlights 20.7 mm Clients +73% YoY growth R$1.5 bn Revenues1 +130% YoY growth R$19.5 bn Gross Loan Portfolio +56% YoY growth +46% YoY growth 2Q22 R$25.9 bn Funding R$32 Monthly ARPAC +16% YoY growth R$14 Monthly CTSA ...