Q4 2025 Inter & Co Inc Earnings Call (English, Portuguese) Transcript
Key Points
- Inter & Co Inc (INTR) achieved a 36% annual growth in its loan portfolio, demonstrating strong performance in a competitive market.
- The company successfully launched several innovative products in 2025, including a social media platform and enhancements to its investment and credit offerings.
- Inter & Co Inc (INTR) was ranked as the 7th most powerful brand in Brazil and the number one bank brand among Gen Z, highlighting strong brand recognition.
- The company secured a US bank license, which will enable it to expand its product offerings and reduce costs by utilizing its US deposit base.
- Inter & Co Inc (INTR) reported a significant increase in client engagement, with 21.5 million daily logins and nearly 1 billion transactions processed in December 2025.
- The efficiency ratio remains a concern, with investors questioning the slow progress in improving this metric.
- Fee income growth has been sluggish, with expenses related to fees acting as a headwind.
- The company faces increased competition in the private payroll loan segment, which could impact growth and pricing.
- There are concerns about asset quality, particularly with personal loans showing an increase in stage 3 formation.
- The global expansion efforts, while promising, have yet to significantly impact the P&L, and there are questions about the competitive landscape in the US market.
Hi everyone, I'm Hafa Vittore, IR officer at Inter, and I would like to welcome all to Interno's 4th 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 Mei, Inters Global CEO Alexandre Jesus, Brazil CEO, and Santiago Stel, senior Vice President and CFO.
Throughout this conference call, we will be presenting non-IFRS financial information. These are important financial measures for the company, but are not financial measures as defined by the IFRS. Reconciliations to the IFRS financial information are available in our earnings release. Earnings presentation
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