Inter & Co Inc (FRA:QN7)

Q3 2025 Inter & Co Inc Earnings Call (English, Portuguese) Transcript

Nov 13, 2025 / 04:00 PM GMT

Release Date Price: €7.8 (-6.59%)

Transcript

Key Points

Positve

Inter & Co Inc (INTR) achieved a record net income of 336 million HIs, marking a significant milestone in their financial journey.
The company reported a 30% year-over-year growth in their loan book, with strong performance in private payroll loans and credit cards.
Inter & Co Inc (INTR) successfully added 2 million new clients in the third quarter, the highest number ever recorded.
The company's net revenue increased by 29% year-over-year, driven by strong growth in their credit book.
Inter & Co Inc (INTR) maintained a high net promoter score of 895 points, indicating strong customer satisfaction and engagement.

Negative

The high interest rate environment in Brazil poses a significant headwind for achieving the company's long-term ROE targets.
The cost of risk increased to 5.35% this quarter, primarily due to the new private payroll portfolio requiring upfront provisioning.
The company's fee income growth has been slower compared to net interest income, partly due to one-off impacts.
Stage 2 and Stage 3 loan balances saw increases, with private payroll loans contributing to the rise in provisions.
Inter & Co Inc (INTR) faces challenges in maintaining high growth rates in a competitive market, especially as traditional banks may accelerate their growth.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

INTR.OQ - Inter & Co Inc
Q3 2025 Inter & Co Inc Earnings Call (English, Portuguese)
Nov 13, 2025 / 04:00PM GMT

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Presentation
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Unidentified_1 [1]
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Hello everyone, I'm Jafa Vittore, IR officer at Inter, and I would like to welcome all to Intern calls 3rd quarter 2025 earnings conference call. First of all, some instructions. This call is also available in Portuguese. To access it, press the globe icon on the lower right side of your Zoom screen, then select the Portuguese room.

Please be advised that all participants will be in listen-only mode and that the conference is being recorded.

You may submit online questions at any time today using the Q&A box on the webcast. A replay will be available at the company's IR website.

With me on today's call are Jean Vito Meni, Inter's Global CEO Alessandre Yiso, Brazil's CEO, and Santiago

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