Inter&Co (INTR) lifts 2Q26 ROE to 16.3% on 32% net revenue growth

Rhea-AI Filing Summary

Inter&Co reported a record 2Q26 net income of R$421 million, up 34% from R$315 million in 2Q25, with ROE at 16.3% (up 240 bps year over year). Net revenue reached R$2.6 billion, growing 32% YoY, and gross revenue was R$4.6 billion, up 29%. All-in NIM 2.0 rose to 10.12%, helped by expansion in Private Payroll and credit card interest portfolios.

The franchise scaled efficiently: active clients reached 26.4 million (3.7 million added in 12 months) with a 58.3% activation rate, about 22 million daily logins and 32 million daily financial transactions. Cards and Pix TPV in 2Q26 was R$453 billion, with Pix market share around 9% and NPS of 88. Net ARPAC increased to R$35.5 per month, while cost to serve stayed near R$13.2, lifting margin per active client to R$22.2. The expanded loan portfolio grew 29% YoY to R$55.4 billion, though NPL >90 days increased to 5.1%, mainly from fast-growing Private Payroll loans. Funding remained strong at R$77 billion of deposits (24% YoY), with cost of funding at 66% of CDI and a Banco Inter Basel ratio of 14.4%. The company states it surpassed R$100 billion in total assets and “capital neutrality,” aligning its 2Q26 Rule of 50 mix of 31.7% net revenue growth and 16.3% ROE (sum 48).

Positive

• R$421 million net income in 2Q26, up 34% from R$315 million a year earlier, with ROE improving to 16.3%, reflects materially stronger profitability.
• Net revenue reached R$2.6 billion, growing 32% year over year, supported by 29% loan growth and a higher 10.12% NIM 2.0, signaling robust top-line expansion.
• Efficiency ratio improved to 42.1%, as operating expenses rose 19% versus 32% net revenue growth, demonstrating clear operating leverage and cost discipline.

Negative

• NPL >90 days increased to 5.1% from 4.4% year over year and all-in cost of risk rose to 5.9%, largely driven by the rapid build-out of the Private Payroll loan portfolio.

Key Figures

Net Income: R$421 million Net Revenue: R$2.6 billion ROE: 16.3% +5 more

8 metrics

Net Income R$421 million 2Q26 net income, up 34% from R$315 million in 2Q25

Net Revenue R$2.6 billion 2Q26 net revenue, 32% year-over-year growth

ROE 16.3% Return on average equity in 2Q26, 240 basis points higher year over year

NIM 2.0 10.12% All-in NIM 2.0 in 2Q26, about 105 basis points above 2Q25

Active Clients 26.4 million Active clients at the end of 2Q26, after adding 3.7 million in 12 months

Expanded Loan Portfolio R$55.4 billion Expanded loan portfolio in 2Q26, representing 29% year-over-year growth

NPL >90 days 5.1% Gross loan portfolio non-performing loans over 90 days in 2Q26, up from 4.4% in 2Q25

Basel Ratio 14.4% Banco Inter S.A. Basel capital ratio as of 2Q26

Key Terms

Rule of 50, NIM 2.0, Cost of Risk, Coverage Ratio, +2 more

6 terms

Rule of 50 financial

"This quarter, the Rule of 50 is already a reality, with revenue growth"

NIM 2.0 financial

"NIM 2.0 surpassed the 10% mark in 2Q26"

Cost of Risk financial

"These segments were key drivers of the increases in NPL, Cost of Risk, and Stage 3 Formation"

Cost of risk is the total expected financial hit a business expects from its exposure to loss, combining actual payouts (like claims or write‑downs), administrative expenses to handle those losses, and the capital set aside to cover them. Think of it as the combined “insurance premium, deductible and emergency fund” for a company; it directly affects profitability, cash flow and how much capital is tied up, so investors watch it to judge future earnings stability and management quality.

Coverage Ratio financial

"All-in Cost of Risk & Coverage Ratio"

Basel ratio regulatory

"the Basel ratio stood at 14.4% as of June 2026"

Private Payroll loans financial

"private payroll loans, which reached R$2.8 billion through a scalable model"

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FAQ

How did Inter&Co (INTR) perform financially in 2Q26?

Inter&Co posted R$421 million net income in 2Q26, up 34% from R$315 million in 2Q25. Net revenue reached R$2.6 billion, growing 32% year over year, while ROE rose to 16.3% and NIM 2.0 improved to 10.12%.

How fast is Inter&Co (INTR) growing its client base and engagement?

Active clients reached 26.4 million in 2Q26, with 3.7 million added over 12 months and a 58.3% activation rate. The platform saw about 22 million daily logins and 32 million daily financial transactions, with Cards+Pix TPV of R$453 billion in the quarter.

What happened to Inter&Co (INTR) loan portfolio and asset quality in 2Q26?

The expanded loan portfolio grew 29% year over year to R$55.4 billion, supported by Private Payroll loans of R$2.8 billion. Asset quality softened: NPL >90 days rose to 5.1% from 4.4%, and cost of risk increased to 5.9%, mainly from Private Payroll exposure.

How strong is Inter&Co (INTR) funding and capital position in 2Q26?

Total deposits reached R$77 billion, up 24% year over year, with funding cost at 66% of CDI and strong contribution from time deposits and My Piggy Bank. Banco Inter’s Basel ratio stood at 14.4%, and the holding reported R$2.3 billion excess capital.

What is Inter&Co (INTR) "Rule of 50" performance in 2Q26?

Management highlights a combined 31.7% net revenue growth and 16.3% ROE in 2Q26, giving a Rule of 50 metric of 48. They present this as evidence of scalable, profitable growth after surpassing capital neutrality and achieving double-digit NIM.

How are Inter&Co (INTR) unit economics and efficiency evolving?

Monthly net ARPAC reached R$35.5, up 10% year over year, while cost to serve stayed around R$13.2, lifting margin per active client to R$22.2, a 16% increase. The efficiency ratio improved to 42.1%, showing revenue growth outpacing operating expenses.

FALSE00018641632026-08-05--12-3100018641632026-08-052026-08-05

United States Securities and Exchange Commission

Washington, D.C. 20549

FORM 6-K

REPORT OF FOREIGN PRIVATE ISSUER

PURSUANT TO RULE 13a-16 OR 15d-16

UNDER THE SECURITIES EXCHANGE ACT OF 1934

For the month of April 2026

Commission File Number 132-02847

INTER & Co, INC.

(Exact name of registrant as specified in its charter)

N/A

(Translation of Registrant’s executive offices)

Maples Corporate Services Limited, PO Box 309, Ugland House,

Grand Cayman, KY1-1104, Cayman Islands.

(Address of registered executive offices)

Av Barbacena, 1,219, 22nd Floor

Belo Horizonte, Brazil, ZIP Code 30 190-131

(Address of principal executive office)

Telephone: +55 (31) 2138-7978

Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F.

Form 20-F ☒ Form 40-F ☐

Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(1):

Yes ☐ No ☒

Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(7):

Yes ☐ No ☒

EXHIBIT INDEX

Exhibit No.						Description of Exhibit
99.1						2Q26 Earnings Release
99.2						2Q26 Earnings Presentation

1

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

			INTER & Co, INC.
			By:			/s/ Rafaela de Oliveira Vitoria
						Name:			Rafaela de Oliveira Vitoria
						Title:			Head of Investor Relations

Date: August 8, 2026

2Q26 Earnings Release August 2026

26.3 27.8 29.4 30.4 31.7 33.3 34.9 36.1 37.7 39.3 41.3 43.1 44.0 45.3 2Q26 Highlights Net Income Total Clients 11 49 91 151 183 206 243 275 287 315 336 374 395 421 - 5 0 1 0 1 50 2 0 2 50 3 0 3 50 4 0 4 50 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 +16.3%+31.7% YoY Net Revenue Growth ROE +240 Basis Points YoY Note: Definitions are in the Appendix section of this Earnings Presentation. 1 Rule of 50 in action

CEO Letter 2 We are pleased to share another quarter of outstanding results, reinforcing Inter’s leadership in delivering strong growth, innovation, and disciplined execution. Our 2Q26 results showcase our ability to grow sustainably while continuing to gain market share across our seven verticals, even amid slower market growth. Inter's consistency highlights the strength of our model and our unwavering focus on creating value for clients and investors. This quarter, the Rule of 50 is already a reality, with revenue growth reaching 32% and ROE surpassing 16%. This reflects our ability to achieve scalable and profitable growth, powered by a model that surpassed capital neutrality, meaning our growth will continue to be funded by our profitability. Credit growth remains robust at 29% YoY, supported by a remarkable 11% growth in loans per active client. This performance demonstrates the depth and strength of our offerings, particularly private payroll loans, which continue to represent a significant opportunity for expansion with further enhancements planned. Our focus on monetization remains a driving force behind our flywheel, as ARPAC continues to increase. By cultivating deeper engagement with our clients and delivering tailored financial solutions, we are effectively converting trust into sustainable value creation. At the same time, innovation continues to define our strategy. Seven, our AI agent for clients, is reshaping client experiences, with 6 million active users, enhancing decision-making and streamlining transactions within our ecosystem. Our cost of funding remains as a key competitive advantage, which stands at 66% of CDI, one of the lowest in our industry. This is supported by an engaged and growing client base, as Inter has achieved a remarkable 9% market share of Pix transactions. This level of engagement underscores our ability to build meaningful relationships with clients and reinforcing trust in our platform. As we look ahead, we remain committed to growth, innovation, and delivering sustainable profitability. This was our strongest quarter ever, with the Rule of 50 in action. For the first time, we surpassed R$100 billion in total assets, achieved double-digit NIM, and surpassed capital neutrality. These accomplishments reflect our disciplined execution and the dedication of our employees, whose talent and commitment drive our success. Thank you for your continued support as we transform the way financial services are delivered. From Global CEO João Vitor Menin Inter&Co Global CEO João Vitor Menin

Strategic Update 3 Portfolio & Funding NIM & Fees Growth & Innovation Activation & Engagement Net Income & ROE • Loan portfolio growth of 29% YoY, 3x the Brazilian market • Funding reached R$77 billion, + 24% YoY and 66% of CDI cost of funding • NIM 2.0 surpassed the 10% mark in 2Q26 • Net revenue increased by 32% YoY, driven by robust credit growth • Added 3.7 million net new active clients in 12 months • 6 million of Seven active clients , our multi-agent AI tool • Activation rate of 58.3%, with over 21 million logins per day • Run-rate TPV of R$1.8 trillion, with Pix market share of 9% • Record R$421 million net income in the quarter • ROE with another sequential growth reached 16.3% in 2Q26 Rule of 50ROETotal Net Revenue growth (YoY) = 48%16.3% Rule of 50 31.7% +

Note: Definitions are in the Appendix section of this Earnings Release. Quarter Highlights 4Strategic Update Quarter Highlights Unit Economics Loan Porfolio Asset Quality Funding Capabilities Financial Performance Capital Ratio Appendix

In 2Q26 we reached 26.4 million active clients with an activation rate of 58.3%, Over the past 12 months, we added 3.7 million new active clients to our platform. We adopted a more selective approach to increase the number of clients, maintaining high activation rates during the onboarding process, resulting in a more efficient journey and driving faster CAC payback with a focus on potential monetization and ARPAC increase. With an average of 22 million daily logins in 2Q26, up from 18 million in 2Q25, transaction volumes reached another record. We processed an average of 32 million financial transactions daily, compared with 26 million in June 2025. TPV growth continued to outpace client growth, with R$453 billion in transactions during 2Q26 across Pix, debit, and credit cards. Our focus on engagement has resulted in another market share increase in Pix transactions to approximately 9%, with a 26% growth YoY. Credit card TPV also demonstrated solid growth of 18% YoY, driven by the success of our value proposition across different card segments: Win, for wealthier clients; Prime, for middle-upper-income clients; and One, for retail. Our ability to deliver a consistent and superior client experience is also reflected in our industry-leading Net Promoter Score (NPS) of 88, which highlights both the satisfaction and loyalty of our client base. These results underscore the trust our clients place in Inter to meet their financial needs, further strengthening their engagement with our platform. We also achieved significant progress in quality metrics by the Central Bank, moving from 5th to 10th place in the claims ranking during 2Q26, driven by a remarkable 33% improvement in our index within just one quarter. Strategic Update Quarter Highlights Unit Economics Loan Porfolio Asset Quality Funding Capabilities Financial Performance Capital Ratio Appendix logins per day2 vs. 18.1mm in Jun/25 fin. transactions per day3 vs. 26mm in Jun/25 88 NPS1 Excellence zone 21.5mm 32mm 55.3% 55.9% 56.9% 57.2% 57.7% 57.9% 58.0% 58.6% 58.3% 18.4 19.5 20.6 21.6 22.7 23.9 25.0 25.8 26.4 33.3 34.9 36.1 37.7 39.3 41.3 43.1 44.0 45.3 1 .0 6 .0 1 1.0 1 6.0 2 1.0 2 6.0 3 1.0 3 6.0 4 1.0 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 Active Clients Total Clients In millions Cards + Pix TPV4 In R$ billions Note: Definitions are in the Appendix section of this Earnings Release. Note 1: As June/2026. Note 2: The login volume used in this calculation was based on the average of total logins per day of June/26 and June/25. Note 3: June/26. Note 4: Scale of PIX volume was reduced to fit on page. 5 Unit Economics 12.3 12.9 14.1 13.7 14.6 15.6 16.9 16.5 17.2 12.0 12.6 13.7 13.2 13.9 14.2 15.8 14.3 15.2 266 294 337 315 346 383 430 396 420 290 320 364 342 374 412 462 427 453 - 2 0 .0 4 0 .0 6 0 .0 8 0 .0 1 0 .0 1 20 .0 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26

18.1 18.7 19.6 18.2 19.1 20.2 21.2 21.0 22.2 30.4 32.5 33.6 31.4 32.3 33.2 35.1 34.1 35.5 12.3 13.8 14.0 13.1 13.1 13.1 13.8 13.1 13.2 44.7 47.2 49.3 50.0 53.7 56.8 58.5 57.0 58.6 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 Margin per Active Client (Net of Interest Expenses) Net ARP AC Cost to Serve Gross ARPAC ARPAC and CTS Evolution In R$, monthly Note: Definitions are in the Appendix section of this Earnings Release. Gross ARPAC By Cohort In R$, monthly Quarters of Relationship 6 By focusing on attracting clients who drive revenue growth and maximizing ARPAC, we are reinforcing the long- term sustainability of our business model. Not only volume of transactions show higher engagement and increasing principality, but also net ARPAC reached a record R$35.5 in 2Q26, a 10% increase YoY. At the same time, our commitment to operational efficiency is evident in a stable CTS of R$13.2, resulting in net margin per active client to an all-time high of R$22.2, a 16% improvement YoY. High level of client activation and engagement continue to fuel revenue growth across both newer and more established client cohorts, as demonstrated by our cohort chart. Mature ones delivered a gross ARPAC of more than R$100, highlighting the enduring strength, resilience, and long-term value of our client relationships. 2Q26 2Q18 Strategic Update Quarter Highlights Unit Economics Loan Porfolio Asset Quality Funding Capabilities Financial Performance Capital Ratio Appendix Unit Economics 0 10 20 30 40 50 60 70 80 90 100 110 12 0 13 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 282930 31 +R$100 Mature Gross ARPAC R$59 Avg. Gross ARPAC

Payroll + Personal⁴ SMBs³ Credit Card Total R$ millions Loans per Active Client² 7 In 2Q26, our diversified loan portfolio grew 29% YoY, driven by consistent market share gains across key segments. This growth was more than three times the pace of the Brazilian market during the same period and underscores the success of our strategy in delivering tailored, scalable credit solutions, capturing opportunities while maintaining adequate risk control. Key highlights include private payroll loans, which reached R$2.8 billion through a highly scalable, low-cost, and collateralized model, as well as home equity and mortgages, which expanded by 37% YoY, solidifying our position in real estate financing. Credit card portfolio was 23% higher YoY, supported by enhanced underwriting models, new customer segmentation, and a focus on improving profitability. The expanded portfolio also posted a 29% growth YoY with the contribution of treasury allocation in new FIDCs and debentures, within the optimization strategy and focus on higher ROE. We are bringing this new metric into our main credit portfolio disclosure because treasury optimization is one of the ROE drivers we committed to at Owners' Day as part of our Rule of 50. Mortgage + Home Equity⁵ 1.79 1.73 1.73 1.73 1.77 1.83 1.93 1.93 1.97 1 .7 1 .7 1 .8 1 .8 1 .9 1 .9 2 .0 2 .0 Expanded Loan Portfolio¹ & Loan per active client In R$ billion & in R$ thousands Strategic Update Quarter Highlights Unit Economics Loan Porfolio Asset Quality Funding Capabilities Financial Performance Capital Ratio Appendix Loan Portfolio Gross Loan Portfolio Private Securities⁶ Note: Definitions are in the Glossary section of this Earnings Presentation. Note 1: Expanded Loan Portfolio = Loans and advancements to costumers, gross of provision expenses + private securities. Note 2: Total gross loan portfolio divided by total active clients. Note 3: SMB includes Agribusiness loans. Note 4: Personal includes payroll deductible loans, overdraft, credit card renegotiations, FGTS, Private Payroll, and other loans. Note 5: Home Equity, business and individuals’ portfolio, Mortgage and US Mortgage. Note 6: Private Securities = Debentures, Certificates of Real Estate Receivables, Investment Fund Quotas, Certificates of Agricultural Receivables, Commercial Promissory Notes, Fixed-Term Deposit with Special Guarantee, Rural Product Bill, Financial Bills, Bank Deposit Certificates, Agribusiness Credit Bills (LCA), Real Estate Credit Bills (LCI), and Development Bills of Credit. 7.6; 21.6% 8.0; 22.4% 8.2; 21.8% 8.9; 22.4% 10.0; 23.2% 11.1; 23.8% 12.1; 23.7% 12.8; 24.2% 12.9; 23.3% 9.7; 27.8% 10.3; 28.8% 11.3; 29.8% 12.2; 30.6% 13.3; 31.1% 14.5; 31.3% 16.2; 31.7% 17.3; 32.8% 18.2; 32.9% 5.2; 14.9% 4.7; 13.1% 4.3; 11.4% 4.0; 10.1% 4.0; 9.3% 4.3; 9.2% 4.7; 9.2% 4.1; 7.8% 4.7; 8.5% 10.5; 30.1% 10.8; 30.2% 11.8; 31.2% 12.3; 30.8% 13.0; 30.3% 14.0; 30.1% 15.3; 29.9% 15.6; 29.5% 16.0; 28.9% 33.0 33.7 35.6 37.4 40.2 43.8 48.3 49.8 51.9 34.9 35.7 37.8 39.8 42.9 46.4 51.0 52.9 55.4 2.0; 6% 2.0; 5% 2.2; 6% 2.4; 6% 2.6; 6% 2.6; 6% 2.8; 5% 3.1; 6% 3.5; 6.3% - 1 0. 0 2 0 .0 0 3 0 .0 0 4 0 .0 0 5 0 .0 0 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26

Asset quality metrics in 2Q26 reflect anticipated adjustments driven by the portfolio mix, particularly the increased allocation in Private Payroll loans, a new portfolio that grew from R$700 to R$2.8 billion in 12 months. In addition, interest-earning Credit Card portfolio has also increased, influenced by our strategic reshaping approach which, as a result, generated 64% higher net interest income in the quarter YoY. These segments were key drivers of the increases in NPL, Cost of Risk, and NPL and Stage 3 Formation. In Private Payroll loans, the majority of observed delinquency continue to stem from the operational process yet to mature, as the product is relatively new and systems are not fully optimized. To address this, we are investing in improving collection, particularly to relink employees to new employers, which remains the primary cause of payment interruptions. In 2Q26, we focused on reducing risk by prioritizing higher quality clients and this quarter we are introducing a new insurance product — measures that are expected to result in lower cost of risk over the next months. Within the NPL bridge, Private Payroll accounts for 53 basis points of the yearly increase, and while delinquency has remained elevated for longer than anticipated, our conviction in this product remains unchanged, as the economics stay highly attractive and the ROE profile compelling even at current levels. In the case of credit cards, higher delinquency rate is more than offset by the product's revenue growth, which reinforces our successful strategy of offering more installment options. It is worth noting that, in 2Q26, as part of our continuous reassessment of write-off policy and operational efficiencies, we adjusted the write-off of credit cards, resulting in a non-recurring impact of 30bps on the NPL ratio over 90 days, with no effect on the provision or cost of risk levels. Overall, credit risk remains well-managed and supports our credit expansion strategy, with focus on generating higher revenue and reinforcing our balanced, sustainable, and profitable growth. NPLs1 In % Note: Definitions are in the Appendix section of this Earnings Release. Note 1: Considering Gross Loan Portfolio, which includes anticipation of C.C. receivables. Note 2: Cohorts defined as the first date when the client has his limit available. NPL per cohort = NPL > 90 days balance of the cohort divided by total credit card portfolio of the same cohort. Note 3: Considering Gross Loan Portfolio (which includes anticipation of C.C. receivables) and securities that generates provision expenses. Note 4: Considering “Provision for expected credit losses on loan commitments”. Note 5: Reflects the net impact of NPL variation across all other credit portfolios, including credit card, SMB, home equity, and mortgages. Credit Cards NPL 90 days per cohort2 In % NPL and Stage 3 Formation In % 8 130% 130% 136% 143% 143% 146% 141% 137% 134% 0 .0 % 2 0. 0% 4 0. 0% 6 0. 0% 8 0. 0% 10 0 .0 % 12 0 .0 % 14 0 .0 % 16 0 .0 % 18 0 .0 % 2 0 .0 % 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 All-in Cost of Risk3 & Coverage Ratio4 In % 1Q26 4Q21 Strategic Update Quarter Highlights Unit Economics Loan Porfolio Asset Quality Funding Capabilities Financial Performance Capital Ratio Appendix 4.7% 4.9% 4.8% 4.6% 5.0% 5.4% 5.3% 5.6% 5.9% 4.6% 4.7% 5.2% 5.0% 5.1% 5.5% 0 .0 % 1. 0% 2 .0 % 3 . 4 .0 % 5 .0 % 6 .0 % Cost of Risk Cost of Risk Excl. Private Payroll Coverage Ratio Asset Quality 3 4 5 6 7 8 9 10 11 12 1.65% 1.65% 1.23% 1.21% 1.52% 1.46% 1.62% 1.69% 1.83% 1.67% 1.87% 1.85% 1.66% 1.60% 1.65% 1.95% 1.99% 2.12% 1.54% 1.74%1.55% 2.00% 1. 0% 1. 2% 1. 4% 1. 6% 1. 8% 2 .0 % 2 .2 % 2 .4 % 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 NPL Fo rmatio n Stag e 3 Formati on NPL Fo rmatio n (e xpanded portfo li o) Stag e 3 Formati on (exp ande d portfol io) 3 .0% 3 .5% 4 .0% 4 .5% 5 .0% 5 .5% 6 .0% 2Q25 Private Payro ll Other Combined Effects⁵ 2Q26 4.4% 5.1%+12 bps+53 bps NPL > 90 YoY Bridge In % 5.0% 5.1% 4.9% 4.6% 4.6% 4.5% 4.7% 5.1% 5.3% 4.8% 4.8% 4.6% 4.4% 4.3% 4.3% 4.4% 4.8% 5.0% 3 .0 % 3 .5 % 4 .0 % 4 .5 % 5 .0 % 5 .5 % 6 .0 % 6 .5 % 7 .0 % 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 NPL > 90 days NPL > 90 (Exp anded po rtfol io ) 4.3% 4.1% 4.0% 4.3% 4.1% 4.1% 4.0% 4.6% 4.8% 4.0% 3.8% 3.7% 4.0% 3.8% 3.8% 3.8% 4.3% 4.5% 3 .0 % 3 .5 % 4 .0 % 4 .5 % 5 .0 % 5 .5 % 6 .0 % 6 .5 % 7 .0 % 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 NPL 15-90 days NPL 15 to 90 d (Expanded Portfo lio )

Note: Definitions are in the Appendix section of this Earnings Release. Note 1: Deposits per active client considers total demand deposits plus time deposits by the total number of active clients of the quarter. Note 2: Includes saving deposits, creditors by resources to release and liabilities with financial institutions (securities sold under agreements to repurchase, interbank deposits and borrowing and onlending). Note 3: Excluding Conta com Pontos balance. Note 4: Includes Conta com Pontos correspondent balance and demand deposits. Note 5: Total loans/(Total funding excluding eligible capital instruments). Note 6: : Average CDI daily rate during the quarter. Cost of Funding⁶ In %, annualized 9 15.1; 32% 15.9; 32% 17.6; 32% 16.5; 28% 17.1; 28% 18.4; 27% 20.2; 28% 19.1; 26% 20.0; 26% 18.8; 39% 21.2; 42% 23.0; 42% 25.1; 42% 27.3; 44% 30.9; 45% 32.4; 44% 33.1; 45% 34.8; 45% 8.5; 18% 9.0; 18% 9.9; 18% 10.7; 18% 11.4; 18% 12.2; 18% 14.1; 19% 15.0; 20% 16.2; 21% 5.3; 11% 4.1; 8% 4.5; 8% 6.8; 12% 6.4; 10% 6.4; 9% 6.1; 8% 6.9; 9% 6.2; 8% 47.8 50.3 55.1 59.1 62.2 67.9 72.9 74.1 77.2 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 Funding & Funding per Active Clients In R$ billions & in R$ thousand In 2Q26, our platform experienced robust funding growth, with total deposits reaching R$77 billion, an increase of 24% YoY and 9 million clients in the investment avenue. This growth was primarily driven by time deposits, which expanded by an impressive 27% YoY. My Piggy Bank remains a key contributor, with R$10.3 billion invested by over 4 million clients. This reflects the product’s strong appeal, promoting financial education and deepening client engagement. The diversification of our deposit base supports one of the lowest funding costs in the market, standing at 66% of CDI in 2Q26. This achievement is particularly remarkable in light of the elevated SELIC rate in Brazil, underscoring the strength and efficiency of our funding franchise, which is powered by the robust, interconnected ecosystem we’ve built. 1.85 1.90 1.98 1.93 1.96 2.06 2.11 2.02 2.08 1 .70 1 .80 1 .90 2 .0 2 .10 2 .20 Strategic Update Quarter Highlights Unit Economics Loan Porfolio Asset Quality Funding Capabilities Financial Performance Capital Ratio Appendix Funding 10.5% 10.4% 11.1% 13.0% 14.5% 14.9% 14.9% 14.9% 14.5% 6.8% 6.8% 7.1% 8.3% 9.4% 10.2% 9.8% 9.5% 9.6% 64.3% 65.4% 64.2% 63.8% 64.8% 68.2% 65.6% 64.1% 65.9% 2.0% 7.0% 12.0% 17.0% 22.0 % 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 LFs issued in the quarter and in July 69% 67% 65% 63% 65% 65% 67% 68% 68% 6 0% 6 5% 7 0% 7 5% 8 0%

R$ millions Note: Definitions are in the Appendix section of this Earnings Release. 10 Our diversified revenue mix continues to drive solid growth. In 2Q26, we achieved gross revenues of R$4.6 billion and net revenues of R$2.6 billion, reflecting YoY growth of 29% and 32%, respectively. Net interest income 39% YoY growth was supported by the evolution of our credit portfolio and NIM. This was driven by the strong expansion of Private Payroll loans and higher Credit Card interest earnings, following our ongoing reshaping strategy. In addition, net fee income grew 11% YoY, led by interchange revenues, insurance fees, among other sources, which grew in line with the expansion of our client base. Revenue In R$ millions Strategic Update Quarter Highlights Unit Economics Loan Porfolio Asset Quality Funding Capabilities Financial Performance Capital Ratio Appendix Financial Performance 1,042; 70% 1,164; 69% 1,258; 68% 1,363; 74% 1,470; 73% 1,623; 75% 1,819; 76% 1,882; 77% 2,044; 78% 437; 30% 512; 31% 586; 32% 475; 26% 534; 27% 539; 25% 579; 24% 559; 23% 593; 22% 1,479 1,676 1,844 1,838 2,003 2,162 2,398 2,441 2,637 2,404 2,684 2,963 3,162 3,567 3,977 4,294 4,346 4,589 - 5 00 1, 00 0 1, 50 0 2 ,0 00 2 ,50 0 3 ,0 00 3 ,50 0 4 ,0 00 4 ,5 00 5 ,0 00 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26

10.5% 10.4% 11.1% 13.0% 14.5% 14.9% 14.9% 14.9% 14.5% 4.3% 3.2% 6.0% 8.4% 3.8% 2.5% 2.4% 7.9% 5.8% 1.0 % 3. 0% 5. 0% 7. 0% 9. 0% 11.0 % 13. 0% 15. 0% Financial Performance Note: Definitions are in the Appendix section of this Earnings Release. Note 1: All-in NIM 2.0 and Risk-Adjusted All-in NIM 2.0 do not include transactor credit card portfolio. Note 2: IFRS Financial Statements lines: “Personnel expenses”, “Depreciation and Amortization”, “Administrative Expenses”. 11 Strategic Update Quarter Highlights Unit Economics Loan Porfolio Asset Quality Funding Capabilities Financial Performance Capital Ratio Appendix Our NIM 2.0 increased by 105 bps YoY in 2Q26, marking our second-best performance on record. This growth was driven by repricing measures, the continued expansion of Private Payroll Loans, and higher credit card interest income. Additionally, we observed a one-time tailwind from our IPCA hedge, as part of the 1Q26 IPCA impacted our P&L during the second quarter. NIM after cost of risk reflects the evolution of our credit mix, largely influenced by the growing Private Payroll Loan portfolio and the provisioning associated with its expansion. NIM1 In % 8.24% 8.68% 8.74% 8.84% 9.07% 9.28% 9.57% 9.54% 10.12% 4.91% 5.16% 5.30% 5.51% 5.56% 5.62% 5.92% 5.58% 5.86% 3 .0 0% 4 .0 0% 5 .0 0% 6 .0 0% 7 .0 0% 8 .0 0% 9 .0 0% 10 .0 0 % 1 .0 0 % 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 NIM 2.0 NIM 2.0 Risk-Adjusted Average CDI of the Quarter Annualized IPCA of the Quarter At Inter, maintaining cost discipline remains a key priority. In 2Q26, total operational expenses grew 19% YoY, well below the 32% growth in net revenues over the same period, demonstrating our commitment to operational efficiency. Headcount remained stable at approximately 4,000 employees, with a more senior and experienced team and regulatory profit-sharing contributing to an 18% YoY rise in costs. D&A increased 44% YoY, as amortization of investments in the Super App expands. Administrative expenses grew 15% in the year, in line with the natural increase in clients and transaction volumes, reflecting the operational demand accompanying our sustained growth. 403; 61% 475; 60% 496; 59% 528; 64% 540; 62% 543; 60% 589; 58% 618; 62% 623; 60% 204; 31% 259; 33% 284; 34% 235; 28% 257; 29% 285; 31% 313; 31% 285; 29% 303; 29% 53; 8% 53; 7% 61; 7% 67; 8% 77; 9% 85; 9% 112; 11% 93; 9% 110; 11% 660 787 841 831 873 913 1,015 996 1,036 - 2 0 0 4 0 0 6 0 0 8 0 0 1 ,0 0 1 ,2 0 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 Expenses Breakdown2 In R$ millions

100 97 103 105 105 111 132 141 139 147 153 170 167 174 113 124 128 138 145 163 181 180 194 212 234 238 258 1Q 23 2Q2 3 3Q 23 4Q23 1Q 24 2Q2 4 3Q 24 4Q24 1Q 25 2Q2 5 3Q 25 4Q25 1Q 26 2Q2 6 Personnel & Administrative Expenses Net Revenue IOC adjusted Efficiency Ratio1 In % Note: Definitions are in the Glossary section of this Earnings Presentation. Note 1: Excluding taxes on interest on won capital. Note 2: Revenues minus taxes on interest on won capital. R$ millions Revenue vs. Expenses index in a 100 basis 12 Inter Pag acquisition Strategic Update Quarter Highlights Unit Economics Loan Porfolio Asset Quality Funding Capabilities Financial Performance Capital Ratio Appendix In 2Q26, our efficiency ratio reached 42.1%, demonstrating our strong commitment to cost discipline as efficiency gains continued to advance. We anticipate the gap between net revenue and expenses to widen further, supported by ongoing operational improvements and sustained revenue growth. 2 Financial Performance 62.4% 53.4% 51.7% 51.4% 47.7% 47.6% 50.4% 48.5% 48.3% 47.1% 45.2% 45.5% 43.8% 42.1% 4 0. 0% 4 5. 0% 5 0. 0% 5 5. 0% 6 0. 0% 6 5. 0% 1Q 23 2Q2 3 3Q 23 4Q23 1Q 24 2Q2 4 3Q 24 4Q24 1Q 25 2Q2 5 3Q 25 4Q25 1Q 26 2Q2 6

0.7% 3.0% 5.5% 9.0% 10.0% 10.6% 12.3% 13.7% 14.1% 15.2% 15.5% 16.4% 16.8% 17.6% 0.7% 2.7% 5.0% 8.2% 9.2% 9.8% 11.3% 12.5% 12.9% 13.9% 14.2% 15.1% 15.5% 16.3% 11 49 91 151 183 206 243 275 287 315 336 374 395 421 - 5 0 1 0 1 50 2 0 2 50 3 0 3 50 4 0 4 50 5 0 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 Note: Definitions are in the Appendix section of this Earnings Release. Net Income Including Minority Interest ROE Including Minority Interest Net Income 13 195 223 260 295 307 356 402 9.7% 10.4% 11.9% 13.2% 13.6% 14.4% 14.8% 15.9% ROE Strategic Update Quarter Highlights Unit Economics Loan Porfolio Asset Quality Funding Capabilities Financial Performance Capital Ratio Appendix 418 16.1% We delivered a record net income of R$421 million in 2Q26, a marked increase of 34% from R$315 million in 2Q25, alongside an improvement in our annual ROE, which reached 16.3% this quarter. These results highlight our strong performance, supported by disciplined execution and a clear focus on sustainable growth and profitability. 16010464 8.5%5.7%3.6% Net Income & ROE In R$ millions & In % Financial Performance 447 17.0% 33224 1.4% ROTE (Excluding only goodwill)

Our capital base remains solid, and, for the first time, surpassing capital neutrality, underpinned by an ROE-driven underwriting framework focused on optimizing returns on capital allocation. To further enhance our corporate structure, we have continued to strengthen our capital base at the holding level, which carries excess capital of R$2.3 billion as of 2Q26. At the banking level (Banco Inter S.A.), the Basel ratio stood at 14.4% as of June 2026. Loan Portfolio Growth QoQ RWA Growth QoQ RWA & Basel Ratio In R$ millions & In % Minimum Capital Requirement3 Banco Inter S.A. Excess Capital2 Banco Inter S.A. Source: Banco Inter Bacen GAAP Financial Statements. Note 1: Capital hold outside Conglomerado Prudencial Banco Inter S.A. level. Note 2: Excess capital within Conglomerado Prudencial Banco Inter S.A. Note 3: Additional and minimum tier 1 capital requirements. Note 4: Considering Basel Ratio of 14.0%. 2% 7% 8% 1% 1% 8% 9 10% 3% 4% -3% 2% 7% 12% 3.8 3.8 1.6 1.6 2.3 5.5 7.8 - 1 .0 2 .0 3 .0 4 .0 5 .0 6 .0 7 .0 8 .0 9 .0 Banco Inte r Inter&Co Excess Capital Inter&Co1 14 Tier 1 Core Capital Tier 2 Additional Capital Basel Ratio Tier I Capital In R$ billions 39% Variation % 2Q26 1Q26 2Q25 ∆QoQ ∆YoY Basel Ratio Reference Equity (RE) 6,606 6,327 6,035 +4.4% +9.5% Risk-Weighted Asset (RWA) 45,868 45,246 38,407 +1.4% +19.4% Basel Ratio (RE/RWA) 14.4% 14.0% 15.7% +0.4p.p. -1.3p.p. Tier I Capital (TI) 5,842 5,490 5,522 +6.4% +5.8% Risk-Weighted Asset (RWA) 45,868 45,246 38,407 +1.4% +19.4% Tier I Capital Ratio (TI/RWA) 12.7% 12.1% 14.4% +0.6 p.p. -1.7 p.p. Tier 1 Perpetual Basel Ratio - Banco Inter S.A. In % Strategic Update Quarter Highlights Unit Economics Loan Porfolio Asset Quality Funding Capabilities Financial Performance Capital Ratio Appendix Capital 14.4% 13.3% 12.0% 11.6% 11.5% 0.6% 0.6% 1.2% 1.3% 1.3% 1.8% 1.9% 1.7% 15.7% 14.6% 14.4% 14.0% 14.4% 0 .0 % 2 .0 % 4 .0 % 6 .0 % 8 .0 % 10 .0 % 12 .0 % 14 .0 % 16 .0 % 18 .0 % 2Q25 3Q25 4Q25 1Q26 2Q26

R$ millions 15 Balance Sheet Strategic Update Quarter Highlights Unit Economics Loan Porfolio Asset Quality Funding Capabilities Financial Performance Capital Ratio Appendix Appendix

R$ millions 16 2Q26 Income Statement Strategic Update Quarter Highlights Unit Economics Loan Porfolio Asset Quality Funding Capabilities Financial Performance Capital Ratio Appendix Appendix

Activation Rate: Number of active clients at the end of the quarter Total number of clients at the end of the quarter Active clients: We define an active client as a customer at any given date that was the source of any amount of revenue for us in the preceding three months, or/and a customer that used products in the preceding three months. For Inter insurance, we calculate the number of active clients for our insurance brokerage vertical as the number of beneficiaries of insurance policies effective as of a particular date. For Inter Invest, we calculate the number of active clients as the number of individual accounts that have invested on our platform over the applicable period. Annualized interest rates: Yearly rate calculated by multiplying the quarterly interest by four, over the average portfolio of the last two quarters. All-in loans rate considers Real Estate, Personnal +FGTS, SMBs, Credit Card, excluding non-interest earnings credit card receivables, and Anticipation of Credit Card Receivables. Anticipation of credit card receivables: Disclosed in note 9.a of the Financial Statements, line " "Loans to financial institutions”. ARPAC gross of interest expenses: (Interest income + (Revenue from services and comissions − Cashback − Inter rewards) + Income from securities and derivarives + Other revenue) ÷ 3 Average of the last 2 quarters Active Clients ARPAC net of interest expenses: (Revenue − Interest expenses) ÷ 3 Average of the last 2 quarters Active Clients ARPAC per quarterly cohort: Total Gross revenue net of interest expenses in a given cohort divided by the average number of active clients in the current and previous periods1. Cohort is defined as the period in which the client started his relationship with Inter. Assets under custody (AuC): We calculate assets under custody, or AUC, at a given date as the market value of all retail clients’ assets invested through our investment platform as of that same date. We believe that AUC, as it reflects the total volume of assets invested in our investment platform without accounting for our operational efficiency, provides us useful insight on the appeal of our platform. We use this metric to monitor the size of our investment platform. Basel ratio: Referential equity Risk weighted assets Card+PIX TPV: PIX, debit and credit cards and withdrawal transacted volumes of a given period. PIX is a Central Bank of Brazil solution to bring instant payments among banks and financial institutions in Brazil. 17 Non-IFRS measures and KPIs Strategic Update Quarter Highlights Unit Economics Loan Porfolio Asset Quality Funding Capabilities Financial Performance Capital Ratio Appendix Appendix

Card+PIX TPV per active client: Card+PIX TPV for a given period divided by the number of active clients as of the last day of the period. Cost of funding: Interest expenses × 4 Average of last 2 quarters Interest bearing liabilities (demand deposits, time deposits, savings deposits, creditors by resources to release, securities issued, securities sold under agreements to repurchase, interbank deposits and others) Cost of funding normalized by business days: Interest expenses × 4 ÷ business days in the quarter x 63 Average of last 2 quarters Interest bearing liabilities (demand deposits, time deposits, savings deposits, creditors by resources to release, securities issued, securities sold under agreements to repurchase, interbank deposits and others) Cost of risk: Impairment losses on Linancial assets × 4 Average of last 2 quarters of: Loans and advances to customers + Commercial promissory notes + Certificates of agricultural receivables + Certificates of real estate receivables + Debenture (Fair value through other comprehensive income) + Rural product bill + Debentures Amortized cost + Investment fund quotas + CertiLicates of real estate receivables + Debentures + Bank deposit certiLicates + CertiLicates of agricultural receivables + Agribusiness credit bills + Commercial promissory notes + Real estate credit bills (Fair value through proLit or loss) Cost-to-serve (CTS): Personnel Expense + Administrative Expenses + Depreciation and Amortization ÷ 3 Average of the last 2 quarters Active Clients Coverage ratio: Provision for expected credit loss + Provision for expected credit losses on loan commitments Overdue higher than 90 days Earning portfolio (IEP): Earnings Portfolio includes “Amounts due from financial institutions” + “Loans and advances to customers” + “Securities” + “Derivatives” from the IFRS Balance Sheet Efficiency ratio: Personnel expense + Administrative expenses + Depreciation and amortization Net Interest Income + Net result from services and comissions + Other revenue − Tax expenses + Taxes on interest on own capital Expanded Loan Portfolio: Expanded Loan Portfolio considers “Loan Portfolio” + “Private Securities” Fee income ratio: Net result from services and commissions + Other revenue Net Interest Income + Net result from services and comissions + Other revenue − Tax expense 18 Non-IFRS measures and KPIs Strategic Update Quarter Highlights Unit Economics Loan Porfolio Asset Quality Funding Capabilities Financial Performance Capital Ratio Appendix Appendix

Funding: Demand Deposits + Time Deposits + Securities Issued + Savings Deposits + Creditors by Resources to Release + Securities sold under agreements to repurchase + Interbank deposits + Borrowing and onlending Global Clients: Includes Brazilian Global Account clients, US clients and international investors. Gross loan portfolio: Loans and Advance to Customers + Loans to financial institutions Gross merchandise volume (GMV): Gross merchandise value, or GMV, for a given period as the total value of all sales made or initiated through our Inter Shop & Commerce Plus platform managed by Inter Shop & Commerce Plus. Gross take rate: Inter Shop gross revenue GMV Loan portfolio: "Loans and Advance to Customers", gross of provision for expected losses Margin per active client gross of interest expenses: ARPAC gross of interest expenses – Cost to Serve Margin per active client net of interest expenses: ARPAC net of interest expenses – Cost to Serve Net fee income: Net result from services and commissions + Other Revenue + Revenue foreign Exchange Net interest income: Interest Income + Interest Expenses + Income from securities + Income from derivatives Net revenue: Net interest income + Net fee income Net take rate: Inter Shop net revenue GMV Net revenue IOC adjusted: Net interest income + Net fee income + Taxes on interest on own Capital 19 Non-IFRS measures and KPIs Strategic Update Quarter Highlights Unit Economics Loan Porfolio Asset Quality Funding Capabilities Financial Performance Capital Ratio Appendix Appendix

NIM 2.0 – IEP Only: Net interest income and income from securities, derivatives and foreign Exchange x 4 Average of 2 Last Quarters Earning Portfolio (Cash and cash equivalents + Amounts due from Linancial institutions, net of provisions for expected credit losses + Deposits at Central Bank of Brazil + Securities, net of provisions for expected losses + Derivative Linancial assets + Loans and advances to customers, net of provisions for expected credit losses – Interbank deposits) NPL 15 to 90 days - Excluding Credit Card Receivables: Overdue 15 to 90 days Loans and Advance to Costumers NPL > 90 days - Excluding Credit Card Receivables: Overdue higher than 90 days Loans and Advance to Costumers NPL formation: Overdue balance higher than 90 days in the current quarter – Overdue balance higher than 90 days inthe previous quarter + Write − off change in the current quarter Total loans and advance to customers in the previous quarter Primary Banking Relationship: A client who has 50% or more of their income after tax for that period flowing to their bank account with us during the month. Private Securities: Private Securities comprise the following instruments: Debentures, Certificates of Real Estate Receivables, Investment Fund Quotas, Certificates of Agricultural Receivables, Commercial Promissory Notes, Fixed-Term Deposit with Special Guarantee, Rural Product Bill, Financial Bills, Bank Deposit Certificates, Agribusiness Credit Bills (LCA), Real Estate Credit Bills (LCI), Development Bills of Credit, and FIDC Fund Quotas. Return on average equity (ROE): (ProLit / (loss) for the quarter)× 4 Average of last 2 quarters of total shareholder`s equity Return on Average Tangible Equity (ROTE): (ProLit (loss) for the quarter)× 4 Average of last 2 quarters of total shareholder`s equity − intangible asse𝑡𝑠 Risk-adjusted efficiency ratio: Personnel expense + Administrative expenses + Depreciation and amortization Net Interest Income + Net result from services and comissions + Other revenue − Tax expense − Impairment losses on Linancial assets 20 Non-IFRS measures and KPIs Strategic Update Quarter Highlights Unit Economics Loan Porfolio Asset Quality Funding Capabilities Financial Performance Capital Ratio Appendix Appendix

Risk-Adjusted NIM 2.0: Net interest income and income from securities, derivatives and foreign exchange − Impairment losses on Linancial assets x 4 Average of 2 Last Quarters Earning Portfolio (Cash and cash equivalents + Amounts due from Linancial institutions, net of provisions for expected credit losses + Deposits at Central Bank of Brazil + Securities, net of provisions for expected losses + Derivative Linancial assets + Loans and advances to customers, net of provisions for, expected credit losses – Interbank deposits − Credit card transactor portfolio) SG&A: Administrative Expenses + Personnel Expenses + Depreciation and Amortization Securities: Income from securities and derivatives – Income from derivatives Stage 3 formation: Stage 3 balance in the current quarter – Stage 3 balance in the previous quarter +Write − off change in the current quarter Total loans and advance to customers in the previous quarter Total gross revenue: Interest income + Revenue from services and commissions − Cashback expenses − Inter rewards + Income from securities and derivatives + Other revenue 21 Non-IFRS measures and KPIs Strategic Update Quarter Highlights Unit Economics Loan Porfolio Asset Quality Funding Capabilities Financial Performance Capital Ratio Appendix Appendix

This report may contain forward-looking statements regarding Inter, anticipated synergies, growth plans, projected results and future strategies. While these forward-looking statements reflect our Management’s good faith beliefs, they involve known and unknown risks and uncertainties that could cause the company’s results or accrued results to differ materially from those anticipated and discussed herein. These statements are not guarantees of future performance. These risks and uncertainties include, but are not limited to, our ability to realize the amount of projected synergies and the projected schedule, in addition to economic, competitive, governmental and technological factors affecting Inter, the markets, products and prices and other factors. In addition, this presentation contains managerial numbers that may differ from those presented in our financial statements. The calculation methodology for these managerial numbers is presented in Inter’s quarterly earnings release. Statements contained in this report that are not facts or historical information may be forward-looking statements under the terms of the Private Securities Litigation Reform Act of 1995. These forward-looking statements may, among other things, beliefs related to the creation of value and any other statements regarding Inter. In some cases, terms such as “estimate”, “project”, “predict”, “plan”, “believe”, “can”, “expectation”, “anticipate”, “intend”, “aimed”, “potential”, “may”, “will/shall” and similar terms, or the negative of these expressions, may identify forward looking statements. These forward-looking statements are based on Inter's expectations and beliefs about future events and involve risks and uncertainties that could cause actual results to differ materially from current ones. Any forward-looking statement made by us in this document is based only on information currently available to us and speaks only as of the date on which it is made. We undertake no obligation to publicly update any forward-looking statement, whether written or oral, that may be made from time to time, whether as a result of new information, future developments or otherwise. For additional information that about factors that may lead to results that are different from our estimates, please refer to sections “Cautionary Statement Concerning Forward-Looking Statements” and “Risk Factors” of Inter&Co Annual Report on Form 20-F. The numbers for our key metrics (Unit Economics), which include active users, as average revenue per active client (ARPAC), cost-to-serve (CTS), are calculated using Inter’s internal data. Although we believe these metrics are based on reasonable estimates, but there are challenges inherent in measuring the use of our business. In addition, we continually seek to improve our estimates, which may change due to improvements or changes in methodology, in processes for calculating these metrics and, from time to time, we may discover inaccuracies and make adjustments to improve accuracy, including adjustments that may result in recalculating our historical metrics. About Non-IFRS Financial Measures To supplement the financial measures presented in this press release and related conference call, presentation, or webcast in accordance with IFRS, Inter&Co also presents non-IFRS measures of financial performance, as highlighted throughout the documents. The non-IFRS Financial Measures include, among others: Adjusted Net Income, cost-to- serve, Cost of Funding, Efficiency Ratio, Underwriting, NPL > 90 days, NPL 15 to 90 days, NPL and Stage 3 Formation, Cost of Risk, Coverage Ratio, Funding, All-in Cost of Funding, Gross Merchandise Volume (GMV), Premiuns, Net Inflows, Global Services Deposits and Investments, Fee Income Ratio, Client Acquisition Cost, Cards+Pix TPV, Gross ARPAC, Net ARPAC, Marginal NIM 1.0, Marginal NIM 2.0, Net Interest Margin IEP + Non-int. CC Receivables (1.0), Net Interest Margin IEP (2.0), Cost-to-Serve. A “non-IFRS financial measure” refers to a numerical measure of Inter&Co’s historical or financial position that either excludes or includes amounts that are not normally excluded or included in the most directly comparable measure calculated and presented in accordance with IFRS in Inter&Co’s financial statements. Inter&Co provides certain non-IFRS measures as additional information relating to its operating results as a complement to results provided in accordance with IFRS. The non-IFRS financial information presented herein should be considered together with, and not as a substitute for or superior to, the financial information presented in accordance with IFRS. There are significant limitations associated with the use of non-IFRS financial measures. Further, these measures may differ from the non-IFRS information, even where similarly titled, used by other companies and therefore should not be used to compare Inter&Co’s performance to that of other companies. 22 Disclaimer Strategic Update Quarter Highlights Unit Economics Loan Porfolio Asset Quality Funding Capabilities Financial Performance Capital Ratio Appendix Appendix

Earnings Presentation | 2Q26 1 2Q26 Earnings Presentation August 2026 Rule of 50 in action

Earnings Presentation | 2Q26 2 1. CEO Overview 2. Business Overview 3. Financial Performance João Vitor Menin | Global CEO Alexandre Riccio | Brazil CEO Santiago Stel | SVP CFO Agenda

Earnings Presentation | 2Q26 3 26.3 27.8 29.4 30.4 31.7 33.3 34.9 36.1 37.7 39.3 41.3 43.1 44.0 45.3 1 5.0 2 0. 2 5.0 3 0. 3 5.0 4 0. 4 5.0 11 49 91 151 183 206 243 275 287 315 336 374 395 421 - 5 0 1 0 1 50 2 0 2 50 3 0 3 50 4 0 4 50 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 Note: Definitions are in the Glossary section of this Earnings Presentation. Net Income Total Clients Highlights 2Q26 +16.3% ROE +240 Basis Points YoY +31.7% Net Revenue Growth YoY Rule of 50 in action

Earnings Presentation | 2Q26 4 CEO Overview João Vitor Menin | Global CEO

Earnings Presentation | 2Q26 5 Rule of 50 in action Total Net Revenue growth (YoY) ROE1 31.7% 16.3% + = Rule of 50 48% AppendixBusiness UpdateCEO Overview Financial Performance Rule of 50 ROE Buffer zone Profitability Growth Net Revenue Growth Rule of 50 trajectory In % 37.6% 45.8% 45.0% 48.0% ~50% 4.2% 11.1% 13.8% 16.3% 2023 2024 2025 2Q26 2026E 2027E 2028E 2029E Note: Definitions are in the Glossary section of this Presentation. Note 1: Return on Average Equity. Non-IFRS Financial Measure. For a reconciliation with most comparable IFRS measure, please refer to the glossary of this presentation.

Earnings Presentation | 2Q26 6 Sustainable Revenue Growth Scalable Distribution Capabilities Unique Cost Efficiencies Profitable Growth Inter by Design delivering sustainable and profitable growth +3.0x Gross Revenue Growth since 3Q22 +2.3x Active Clients Growth since 3Q22 -32p.p. Efficiency Ratio1 Improvement since 3Q22 +18p.p. ROE2 Expansion since 3Q22 AppendixBusiness UpdateCEO Overview Financial Performance Note: Definitions are in the Glossary section of this Presentation. 3Q22 comparison: based on the announcement of 603030 plan. Note 1: Excluding taxes on interest on own capital. Note 2: Return on Average Equity.

Earnings Presentation | 2Q26 7 4. 2% 7. 8% 3. 2% 2. 0 % 0 .1 % 1. 5% 0 .4 % 9.6% 8.6% 7.7% 4.2% 2.5% 2.0% 0.7% Home Equity PF PIX Transactions FX Transactions Tesouro Direto Investing Private Payroll Credit Cards TPV Mortgage Loans 3Q22 Market Share In % Inter's flywheel getting stronger every quarter Current + 54 5 b p s + 28 b p s + 44 6 b p s + 31 b p s + 21 7 b p s 2 6 Note 1: Total number PIX transactions in 1Q26 and 3Q22 excluding transactions made outside de SPI. Market data from Banco Central do Brasil. Note 2: Total Home Equity PF Portfolio in March/2026 and September/2022. Market data from ABECIP. Note 3: Market data from Banco Central do Brasil, from June/2026 and September/2022. Note 4: Tesouro Direto Balance. Market data from Tesouro Transparente: June/2026 and September/2022. Note 5: Creditl Cards TPV in 1Q26 and 3Q22, market data from ABECS. Note 6: Amount of FX Transfers to Abroad from 3Q25 and 2Q22 Data from Banco Central do Brasil. + 24 1 b p s AppendixBusiness UpdateCEO Overview Financial Performance + 57 b p s 1 4 3 5 3

Earnings Presentation | 2Q26 8 Growing opportunity as we deepen and expand our addressable market AppendixBusiness UpdateCEO Overview Financial Performance Cards Personal Others Mortgage Payroll Auto Home Equity, FGTS & Others Rural SME/Corporate 0.7 0.5 0.1 1.4 0.8 0.4 0.2 0.7 2.0 Brazilian Loan Market – June 20261 67% Unsecured3 Personal Loans Top 5 Banks Market Share2 Δ 2019 - 2026 -10 p.p. 82% Secured4 Personal Loans -6 p.p. R$1.3 Trillion R$ 2.7 Trillion R$2.6 Trillion Unsecured3 Personal Loans Secured4 Personal Loans SME/Corporate + Rural 65% SME/Corporate + Rural -11 p.p. Source: Banco Central do Brasil and Inter. Note 1: Excludes development bank loans, following Banco Central do Brasil's classification. Note 2: According to IF Data, Loans to Individuals. Note 3: Non-collateralized: credit card loans + personal loans that aren’t payroll linked or has any guarantees. Note 4: Collateralized: Loans and advancements to clients – Non-collateralized.

Earnings Presentation | 2Q26 9 1st quarter of: R$100+ bn in Total Assets Surpassed capital neutrality Double-digit NIM AppendixBusiness UpdateCEO Overview Financial Performance Rule of 50 in action Our strongest quarter ever Note: Definitions are in the Glossary section of this Earnings Presentation. Gaining Scale Expanding Margin Creating Value

Earnings Presentation | 2Q26 10 Business Update Alexandre Riccio | Brazil CEO

Earnings Presentation | 2Q26 11 0 10 20 30 40 50 60 70 80 90 100 110 12 0 1 4 7 10 13 16 19 22 25 28 31 55.3% 55.9% 56.9% 57.2% 57.7% 57.9% 58.0% 58.6% 58.3% 18.4 19.5 20.6 21.6 22.7 23.9 25.0 25.8 26.4 33.3 34.9 36.1 37.7 39.3 41.3 43.1 44.0 45.3 - 5 .0 1 0. 1 5.0 2 0. 2 5.0 3 0. 3 5.0 4 0. 4 5.0 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 Total Number of Clients In millions Note: Definitions are in the Glossary section of this Earnings Presentation. Note 1: Active clients with credit products as of 2Q26. Client growth fueling a stronger and more active base Active clients AppendixBusiness UpdateCEO Overview Financial Performance Quarters of Relationship Gross ARPAC By Cohort In R$, monthly +R$100 Mature Gross ARPAC R$59 Avg. Gross ARPAC 2Q26 2Q18 ˜45MM Total Clients ˜9MM Credit Clients Record ARPAC driven by increase in credit penetration 10 20 +R$10 in early ARPAC from newer cohorts 1

Earnings Presentation | 2Q26 12 18.1 18.7 19.6 18.2 19.1 20.2 21.2 21.0 22.2 30.4 32.5 33.6 31.4 32.3 33.2 35.1 34.1 35.5 12.3 13.8 14.0 13.1 13.1 13.1 13.8 13.1 13.2 44.7 47.2 49.3 50.0 53.7 56.8 58.5 57.0 58.6 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 Margin per Active Client (Net of Interest Expenses) Net ARP AC Cost to Serve Gross ARPAC ARPAC and CTS Evolution In R$, monthly Increasing monetization with stable CTS Note: Definitions are in the Glossary section of this Earnings Presentation. AppendixBusiness UpdateCEO Overview Financial Performance

Earnings Presentation | 2Q26 13 Cards + PIX TPV per Active Client In R$ thousand, monthly Cards + PIX TPV1 In R$ billions % YoY 12.3 12.9 14.1 13.7 14.6 15.6 16.9 16.5 17.2 12.0 12.6 13.7 13.2 13.9 14.2 15.8 14.3 15.2 266 294 337 315 346 383 430 396 420 290 320 364 342 374 412 462 427 453 - 2 0 .0 4 0 .0 6 0 .0 8 0 .0 1 0 .0 1 20 .0 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 Credit Debit Pix Quarters of relationship R$ 1.8 trillion 2Q26 Run Rate High activation levels translating into strong TPV growth Note: Definitions are in the Glossary section of this Earnings Presentation. Note 1: Scale of PIX volume was reduced to fit on page. Note 2: Market data from Banco Central do Brasil, excluding transactions outside of SPI. AppendixBusiness UpdateCEO Overview Financial Performance ˜9% PIX transactions Market Share2 +31 bps YoY +5 bps QoQ 0 2 4 6 8 10 12 14 1 3 5 7 9 11 13 15 17 19 21 23 Th o us an d s 2Q26 1Q20

14 Earnings Presentation | 2Q26 Expanding credit card profit margins 8.2; 78.5% 8.6; 79.5% 9.6; 80.9% 9.6; 78.5% 10.1; 78.0% 10.7; 76.8% 11.7; 76.9% 11.7; 74.8% 11.9; 74.3% 1.4; 13.7% 1.5; 13.6% 1.4; 12.1% 1.5; 12.4% 1.6; 12.5% 1.8; 12.8% 2.0; 13.0% 2.2; 14.4% 2.4; 14.9% 0.8; 7.9% 0.7; 6.9% 0.8; 6.9% 1.1; 9.1% 1.2; 9.5% 1.5; 10.4% 1.5; 10.1% 1.7; 10.8% 1.7; 10.8% 10.5 10.8 11.8 12.3 13.0 14.0 15.3 15.6 16.0 - 2 .0 4 .0 6 .0 8 .0 1 0. 1 2.0 1 4.0 1 6.0 1 8.0 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 Credit Card Portfolio Breakdown In R$ billion Note: Definitions are in the Glossary section of this Earnings Presentation. Note 1: Credit Card Interest Income presented in Note 24 to the Financial Statements. YoY Credit Cards reshaping strategy evolving and expanding margins +64% Credit Card Interest Income1 YoY Growth +25% Active Clients With Credit Card YoY Growth Increasing product penetration among active clients AppendixBusiness UpdateCEO Overview Financial Performance

15 Earnings Presentation | 2Q26 Private Payroll delivering strong growth 2.5% Market Share4 in Jun/26 R$4.5k Average ticket¹ 0.2 1.9 2.5 2.8 0 .0 0 .5 1 .0 1 .5 2 .0 2 .5 3 .0 2Q25 4Q25 1Q26 2Q26 200 447 570 629 Private Payroll Portfolio In R$ billions, active clients in thousands 3.7x Higher ARPAC3 than Inter’s Average client 33 months Average term² AppendixBusiness UpdateCEO Overview Financial Performance Note: Definitions are in the Glossary section of this Earnings Presentation. Note 1: Portfolio divided by the total number of Private Payroll Clients. Note 2: Balance-Weighted Average of the Private Payroll loan portfolio. Note 3: Gross ARPAC. Non-IFRS Financial Measure. For a reconciliation with most comparable IFRS measure, please refer to the glossary of this presentation. Note 4: Market data from Banco Central do Brasil, from June/2026. New Private Payroll Insurance +30% Marginal ROE

16 Earnings Presentation | 2Q26 Total Business Clients In millions 2.8x Higher ARPAC than Inter’s average2 Business accounts is a significant opportunity AppendixBusiness UpdateCEO Overview Financial Performance 11.7% of Brazil’s companies has an account at Inter3 15% QoQ 2Q26 Portfolio1 growth Note: Definitions are in the Glossary section of this Earnings Presentation. Note 1: SMB and Agribusiness loan. Note 2: Gross ARPAC. Non-IFRS Financial Measure. For a reconciliation with most comparable IFRS measure, please refer to the glossary of this presentation. Note 3: Considering all companies in Brazil according to Painéis do Mapa de Empresas from the Brazilian Government as of June/2026. 2.4 2.5 2.6 2.8 2.9 1 .0 1 .2 1 .4 1 .6 1 .8 2 .0 2 .2 2 .4 2 .6 2 .8 3 .0 2Q25 3Q25 4Q25 1Q26 2Q26 Payments Investments Acquiring Cards & Many More +24% Duplicata Escritural (under testing)

17 Earnings Presentation | 2Q26 AppendixBusiness UpdateCEO Overview Financial Performance Two engines to drive fee income growth Banking Subscription Plans to be launched Investments Advisory for high income clients Inter Ads Ads launched in June Insurance Private Payroll insurance Commissions-related growth Credit-related growth Interchange Higher growth on Credit Credit TPV Acquiring Inter Pag growth Note: Definitions are in the Glossary section of this Earnings Presentation. Note 1: Credit interchange and other revenue that are credit-related, such as some insurance products

18 Earnings Presentation | 2Q26 Ecosystem strength validated by accelerating product adoption Note 1: Existing products before 1Q19, however, the actual number of active clients starts only from 1Q20 in order to fit the graph. Note 2: Excluding clients that has only “CDB Meu Porquinho” linked products. Older Products 0 1 2 3 4 5 6 7 1 3 5 7 9 11 13 15 17 19 21 23 25 27 29 Quarters of relationship Active Clients per Product In millions A ct iv e C lie nt s 19.0 PIX 19.1 Inter Loop 5.5 Piggy Bank 22.3 Deposits 8.9 Debit Card1 3.5 FGTS Loan 6.1 Fixed Income (CDB1,2) 2.0 Savings Dep.1 5.2 Credit Cards1 Newer Products AppendixBusiness UpdateCEO Overview Financial Performance

Earnings Presentation | 2Q26 19 Financial Performance Santiago Stel | SVP CFO

Earnings Presentation | 2Q26 20 1,042; 70% 1,164; 69% 1,258; 68% 1,363; 74% 1,470; 73% 1,623; 75% 1,819; 76% 1,882; 77% 2,044; 78% 437; 30% 512; 31% 586; 32% 475; 26% 534; 27% 539; 25% 579; 24% 559; 23% 593; 22% 1,479 1,676 1,844 1,838 2,003 2,162 2,398 2,441 2,637 2,404 2,684 2,963 3,162 3,567 3,977 4,294 4,346 4,589 - 5 00 1, 00 0 1, 50 0 2 ,0 00 2 ,50 0 3 ,0 00 3 ,50 0 4 ,0 00 4 ,5 00 5 ,0 00 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 Revenue In R$ millions Diversified revenue streams delivering consistent compounding growth Note: Definitions are in the Glossary section of this Earnings Presentation. AppendixBusiness UpdateCEO Overview Financial Performance

Earnings Presentation | 2Q26 21 10.5% 10.4% 11.1% 13.0% 14.5% 14.9% 14.9% 14.9% 14.5% 4.3% 3.2% 6.0% 8.4% 3.8% 2.5% 2.4% 7.9% 5.8% 0. 0% 2. 0% 4. 0% 6. 0% 8. 0% 10. 0% 12. 0% 14. 0% 16. 0% 8.24% 8.68% 8.74% 8.84% 9.07% 9.28% 9.57% 9.54% 10.12% 4.91% 5.16% 5.30% 5.51% 5.56% 5.62% 5.92% 5.58% 5.86% 3. 00 % 4. 00 % 5. 00 % 6. 00 % 7. 00 % 8. 00 % 9. 00 % 10. 00 % 11.0 0% 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 NIM 2.0 NIM1 In % NIM 2.0 Risk-Adjusted Average CDI of the Quarter Annualized IPCA of the Quarter Asset ÷ Equity²9.0x8.9x8.4x7.9x7.7x 9.4x 9.5x Note: Definitions are in the Glossary section of this Earnings Presentation. Note 1: NIM 2.0 and Risk-Adjusted All-in NIM 2.0 do not include transactor credit card portfolio. Note 2: Total assets/ Total shareholder's equity. 9.5x 9.7x AppendixBusiness UpdateCEO Overview Financial Performance NIM growth reflecting our execution capability

Earnings Presentation | 2Q26 22 1.79 1.73 1.73 1.73 1.77 1.83 1.93 1.93 1.97 1 .72 1 .7 1 .82 1 .87 1 .92 1 .97 Expanded Loan Portfolio1 & Loan per active client In R$ billion & in R$ thousands 7.6; 21.6% 8.0; 22.4% 8.2; 21.8% 8.9; 22.4% 10.0; 23.2% 11.1; 23.8% 12.1; 23.7% 12.8; 24.2% 12.9; 23.3% 9.7; 27.8% 10.3; 28.8% 11.3; 29.8% 12.2; 30.6% 13.3; 31.1% 14.5; 31.3% 16.2; 31.7% 17.3; 32.8% 18.2; 32.9% 5.2; 14.9% 4.7; 13.1% 4.3; 11.4% 4.0; 10.1% 4.0; 9.3% 4.3; 9.2% 4.7; 9.2% 4.1; 7.8% 4.7; 8.5% 10.5; 30.1% 10.8; 30.2% 11.8; 31.2% 12.3; 30.8% 13.0; 30.3% 14.0; 30.1% 15.3; 29.9% 15.6; 29.5% 16.0; 28.9% 33.0 33.7 35.6 37.4 40.2 43.8 48.3 49.8 51.9 34.9 35.7 37.8 39.8 42.9 46.4 51.0 52.9 55.4 2.0; 6% 2.0; 5% 2.2; 6% 2.4; 6% 2.6; 6% 2.6; 6% 2.8; 5% 3.1; 6% 3.5; 6.3% - 1 0. 0 2 0 .0 0 3 0 .0 0 4 0 .0 0 5 0 .0 0 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 Strong credit growth combined with disciplined capital allocation QoQ YoY AppendixBusiness UpdateCEO Overview Financial Performance Note: Definitions are in the Glossary section of this Earnings Presentation. Note 1: Expanded Loan Portfolio = Loans and advancements to costumers, gross of provision expenses + private securities. Note 2: Total gross loan portfolio divided by total active clients. Note 3: SMB includes Agribusiness loans. Note 4: Personal includes payroll deductible loans, overdraft, credit card renegotiations, FGTS, Private Payroll, and other loans. Note 5: Home Equity, business and individuals’ portfolio, Mortgage and US Mortgage. Note 6: Private Securities = Debentures, Certificates of Real Estate Receivables, Investment Fund Quotas, Certificates of Agricultural Receivables, Commercial Promissory Notes, Fixed-Term Deposit with Special Guarantee, Rural Product Bill, Financial Bills, Bank Deposit Certificates, Agribusiness Credit Bills (LCA), Real Estate Credit Bills (LCI), and Development Bills of Credit.

Earnings Presentation | 2Q26 23 Sound asset quality amid fast portfolio growth All-in Cost of Risk3 & Coverage Ratio4 In % 4.7% 4.9% 4.8% 4.6% 5.0% 5.4% 5.3% 5.6% 5.9% 4.6% 4.7% 5.2% 5.0% 5.1% 5.5% 0 .0 % 1. 0% 2 .0 % 3 .0 % 4 .0 % 5 .0 % 6 .0 % 7 .0 % Coverage Ratio130% 130% 136% 143% 143% 146% 141% 137% 134% 10 0 % 10 5 % 1 0 % 1 5% 12 0 % 12 5 % 13 0 % 13 5 % 14 0 % 14 5 % 15 0 % 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 Cost of Risk Note: Definitions are in the Glossary section of this Earnings Presentation. Note 1: Considering Gross Loan Portfolio. Note 2: Cohorts defined as the first date when the client has his limit available. NPL per cohort = NPL > 90 days balance of the cohort divided by total credit card portfolio of the same cohort. Note 3: Considering Gross Loan Portfolio and securities that generates provision expenses. Note 4: Considering “Provision for expected credit losses on loan commitments”. Cost of Risk Excl. Private Payroll Credit Cards NPL > 90 Days per Cohort2 In % 3 4 5 6 7 8 9 10 11 12 1.65% 1.65% 1.23% 1.21% 1.52% 1.46% 1.62% 1.69% 1.83%1.67% 1.87% 1.85% 1.66% 1.60% 1.65% 1.95% 1.99% 2.12% 1.54% 1.74% 1.55% 2.00% 0 .2 % 0 .7 % 1. 2% 1. 7% 2 .2 % 2 .7% 3 .2% 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 NPL Formation Stage 3 Formation NPL Formation (expanded portfolio) Stage 3 Formation ( expanded portfolio) 5.0% 5.1% 4.9% 4.6% 4.6% 4.5% 4.7% 5.1% 5.3% 4.8% 4.8% 4.7% 4.4% 4.4% 4.4% 4.5% 4.8% 5.0% 3 .0 % 3 .5 % 4 .0 % 4 .5 % 5 .0 % 5 .5 % 6 .0 % 6 .5 % 7 .0 % 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 NPL > 90 days NPL 15 to 90 days NPLs1 In % 1Q26 4Q21 Months of Relationship NPL and Stage 3 Formation In % AppendixBusiness UpdateCEO Overview Financial Performance NPL > 90 days (expanded portfolio) NPL 15 to 90 days (expanded portfolio) 4.3% 4.1% 4.0% 4.3% 4.1% 4.1% 4.0% 4.6% 4.8% 4.0% 3.9% 3.8% 4.0% 3.9% 3.8% 3.8% 4.3% 4.5% 3 .0 % 3 .5 % 4 .0 % 4 .5 % 5 .0 % 5 .5 % 6 .0 % 6 .5 % 7 .0 % 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26

Earnings Presentation | 2Q26 24 Private Payroll asset quality reflecting a product in maturity NPL > 90 YoY Bridge In % Systemic solution to be launched soon Delinquency is primarily driven by the loss of linkage when clients change jobs AppendixBusiness UpdateCEO Overview Financial Performance Note 1: Reflects the net impact of NPL variation across all other credit portfolios, including credit card, SMB, home equity, and mortgages. 3 .0% 3 .5% 4 .0% 4 .5% 5 .0% 5 .5% 6 .0% 2Q25 Private Payroll Other Combined Effects¹ 2Q26 4.4% 5.0%+12 bps +53 bps ROE accretive +30% marginal ROE Private Payroll Insurance to be launched soon

Earnings Presentation | 2Q26 25 15.1; 32% 15.9; 32% 17.6; 32% 16.5; 28% 17.1; 28% 18.4; 27% 20.2; 28% 19.1; 26% 20.0; 26% 18.8; 39% 21.2; 42% 23.0; 42% 25.1; 42% 27.3; 44% 30.9; 45% 32.4; 44% 33.1; 45% 34.8; 45% 8.5; 18% 9.0; 18% 9.9; 18% 10.7; 18% 11.4; 18% 12.2; 18% 14.1; 19% 15.0; 20% 16.2; 21% 5.3; 11% 4.1; 8% 4.5; 8% 6.8; 12% 6.4; 10% 6.4; 9% 6.1; 8% 6.9; 9% 6.2; 8% 47.8 50.3 55.1 59.1 62.2 67.9 72.9 74.1 77.2 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 1.85 1.90 1.98 1.93 1.96 2.06 2.11 2.02 2.08 1 .7 1 .7 1 .8 1 .8 1 .9 1 .9 2 .0 2 .0 2 .1 2 .1 2 .2 Funding, Funding per Active Client and Loans over Deposits In R$ billions, in R$ thousands & in % High-growth and diversified funding franchise Note: Definitions are in the Glossary section of this Earnings Presentation. Note 1: Deposits per active client considers total demand deposits plus time deposits by the total number of active clients of the quarter. Note 2: Includes savings deposits, creditors by resources to release and liabilities with financial institutions (securities sold under agreements to repurchase, interbank deposits and borrowing and on lending). Note 3: Excluding “Conta com Pontos” balance. Note 4: Includes “Conta com Pontos” balance and demand deposits. Note 5: Total deposits/(Total funding excluding eligible capital instruments). AppendixBusiness UpdateCEO Overview Financial Performance 69% 67% 65% 63% 65% 65% 67% 68% 68% 6 0% 6 5% 7 0% 7 5% 8 0%

Earnings Presentation | 2Q26 26 Cost of Funding1 In %, annualized Low cost of funding sustaining competitive advantages 10.5% 10.4% 11.1% 13.0% 14.5% 14.9% 14.9% 14.9% 14.5% 6.8% 6.8% 7.1% 8.3% 9.4% 10.2% 9.8% 9.5% 9.6% 64.3% 65.4% 64.2% 63.8% 64.8% 68.2% 65.6% 64.1% 65.9% 2.0% 7.0% 12.0% 17.0% 22.0 % 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 AppendixBusiness UpdateCEO Overview Financial Performance Note: Definitions are in the Glossary section of this Earnings Presentation. Note 1: Average CDI daily rate during the quarter.

Earnings Presentation | 2Q26 27 Expenses¹ In R$ millions 403; 61% 475; 60% 496; 59% 528; 64% 540; 62% 543; 60% 589; 58% 618; 62% 623; 60% 204; 31% 259; 33% 284; 34% 235; 28% 257; 29% 285; 31% 313; 31% 285; 29% 303; 29% 53; 8% 53; 7% 61; 7% 67; 8% 77; 9% 85; 9% 112; 11% 93; 9% 110; 11% 660 787 841 831 873 913 1,015 996 1,036 - 2 0 0 4 0 0 6 0 0 8 0 0 1 ,0 0 1 ,2 0 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 Controlled expenses while we keep scaling our business AppendixBusiness UpdateCEO Overview Financial Performance Note: Definitions are in the Glossary section of this Earnings Presentation. Note 1: IFRS Financial Statements lines: “Personnel expenses”, “Depreciation and Amortization”, “Administrative Expenses”.

Earnings Presentation | 2Q26 28 62.4% 53.4% 51.7% 51.4% 47.7% 47.6% 50.4% 48.5% 48.3% 47.1% 45.2% 45.5% 43.8% 42.1% 4 0. 0% 4 5. 0% 5 0. 0% 5 5. 0% 6 0. 0% 6 5. 0% 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 SG&A 100 97 103 105 105 111 132 141 139 147 153 170 167 174 113 124 128 138 145 163 181 180 194 212 234 238 258 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 Efficiency Ratio2 In % Revenue and Expenses In %, index in a 100 basis Inter Pag acquisition Net Revenue IOC adjusted1 Note: Definitions are in the Glossary section of this Earnings Presentation. Note 1: Revenues minus tax expenses except taxes related to interest on own capital . Note 2: Excluding taxes on interest on own capital. Operating leverage in action with expenses growing well below revenues AppendixBusiness UpdateCEO Overview Financial Performance

Earnings Presentation | 2Q26 29AppendixBusiness UpdateCEO Overview Financial Performance Net Income ROE Net Income & ROE In R$ millions and in % ROA Note: Definitions are in the Glossary section of this Earnings Presentation. A track record of sustainable and compounding results ROTE (Excluding only goodwill) 11 49 91 151 183 206 243 275 287 315 336 374 395 421 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 0.7% 3.0% 5.5% 9.0% 10.0% 10.6% 12.3% 13.7% 14.1% 15.2% 15.5% 16.4% 16.8% 17.6% 2.7% 5.0% 8.2% 9.2% 9.8% 11.3% 12.5% 12.9% 13.9% 14.2% 15.1% 15.5% 16.3% 1.57%1.52%1.53%1.46%1.50%1.42%1.28%1.19%1.05%0.70%0.40% 1.60% 1.67%0.10%

Earnings Presentation | 2Q26 30 Surpassing capital neutrality at Banco Inter AppendixBusiness UpdateCEO Overview Financial Performance CET1 Ratio In % 11.6% +0.8 p.p.-0.1 p.p. 12.2% -0.4 p.p. -0.3 p.p. 11.5% 10.0% 10.5% 11.0 % 11.5% 12 .0% 12 .5% 13 .0% March/2 6 CE T1 Ba nco Int er Pr ofit Cr edit & Operational Risk June/2 6 Operational JCP t o the Holding MTM & Ot her Impacts Jun/2 6 CE T1 3.8 3.8 1.6 1.6 2.3 5.5 7.8 - 1 .0 2 .0 3 .0 4 .0 5 .0 6 .0 7 .0 8 .0 9 .0 Banco Inter Inter&Co +70 bps Basel Ratio – Banco Inter S.A. In % Reference Equity In R$ billions 19.3% 17.0% 15.2% 14.7% 14.4% 13.3% 12.0% 11.6% 11.5% 0.6% 0.6% 1.2% 1.3% 1.3% 1.8% 1.9% 1.7% 15.7% 14.6% 14.4% 14.0% 14.4% 0 .0 % 5 .0 % 10 .0 % 15 .0 % 2 0. 0% 2 5. 0% 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 Tier 1 Core Capital Tier 2 Capital Basel Ratio Tier 1 Perpetual 19.3%1 Basel Ratio Inter&Co Inc. +39% Source: Banco Inter Bacen GAAP Financial Statements. Note 1: CET1 ratio variation in the quarter due to Banco Inter profit and variation of credit and operational risk.

Earnings Presentation | 2Q26 31 Appendix

Earnings Presentation | 2Q26 32 Balance Sheet (In R$ million) Income Statement (In R$ million) AppendixBusiness UpdateCEO Overview Financial Performance

Earnings Presentation | 2Q26 33 Disclaimer This report may contain forward-looking statements regarding Inter, anticipated synergies, growth plans, projected results and future strategies. While these forward-looking statements reflect our Management’s good faith beliefs, they involve known and unknown risks and uncertainties that could cause the company’s results or accrued results to differ materially from those anticipated and discussed herein. These statements are not guarantees of future performance. These risks and uncertainties include, but are not limited to, our ability to realize the amount of projected synergies and the projected schedule, in addition to economic, competitive, governmental and technological factors affecting Inter, the markets, products and prices and other factors. In addition, this presentation contains managerial numbers that may differ from those presented in our financial statements. The calculation methodology for these managerial numbers is presented in Inter’s quarterly earnings release. Statements contained in this report that are not fact or historical information may be forward-looking statements under the terms of the Private Securities Litigation Reform Act of 1995. These forward-looking statements may, among other things, beliefs related to the creation of value and any other statements regarding Inter. In some cases, terms such as “estimate” , “project” , “predict” , “plan” , “believe” , “can” , “expectation” , “anticipate” , “ intend” , “aimed” , “potential” , “may” , “will/shall” and similar terms, or the negative of these expressions, may identify forward looking statements. These forward-looking statements are based on Inter's expectations and beliefs about future events and involve risks and uncertainties that could cause actual results to differ materially from current ones. Any forward-looking statement made by us in this document is based only on information currently available to us and speaks only as of the date on which it is made. We undertake no obligation to publicly update any forward-looking statement, whether written or oral, that may be made from time to time, whether as a result of new information, future developments or otherwise. For additional information that about factors that may lead to results that are different from our estimates, please refer to sections “Cautionary Statement Concerning Forward-Looking Statements” and “Risk Factors” of Inter&Co Annual Report on Form 20F. The numbers for our key metrics Unit Economics), which include active users, as average revenue per active client ARPAC, cost to serve CTS, are calculated using Inter’s internal data. Although we believe these metrics are based on reasonable estimates, there are challenges inherent in measuring the use of our business. In addition, we continually seek to improve our estimates, which may change due to improvements or changes in methodology, in processes for calculating these metrics and, from time to time, we may discover inaccuracies and make adjustments to improve accuracy, including adjustments that may result in recalculating our historical metrics. About Non-IFRS Financial Measures To supplement the financial measures presented in this press release and related conference call, presentation, or webcast in accordance with IFRS, Inter&Co also presents non-IFRS measures of financial performance, as highlighted throughout the documents. The non-IFRS Financial Measures include, among others: Adjusted Net Income, Cost to Serve, Cost of Funding, Efficiency Ratio, Underwriting, NPL  90 days, NPL 15 to 90 days, NPL and Stage 3 Formation, Cost of Risk, Coverage Ratio, Funding, All-in Cost of Funding, Gross Merchandise Volume GMV, Premium, Net Inflows, Global Services Deposits and Investments, Fee Income Ratio, Client Acquisition Cost, Cards+PIX TPV, Gross ARPAC, Net ARPAC, Marginal NIM 1.0, Marginal NIM 2.0, Net Interest Margin IEP  Non-int. CC Receivables 1.0, Net Interest Margin IEP 2.0, Cost-to-Serve, Risk-Adjusted Net Interest Margin IEP  Non-int. CC Receivables 1.0, Risk Adjusted Net Interest Margin IEP 2.0, Risk Adjusted Efficiency Ratio. A “non-IFRS financial measure” refers to a numerical measure of Inter&Co’s historical or financial position that either excludes or includes amounts that are not normally excluded or included in the most directly comparable measure calculated and presented in accordance with IFRS in Inter&Co’s financial statements. Inter&Co provides certain non-IFRS measures as additional information relating to its operating results as a complement to results provided in accordance with IFRS. The non-IFRS financial information presented herein should be considered together with, and not as a substitute for or superior to, the financial information presented in accordance with IFRS. There are significant limitations associated with the use of non-IFRS financial measures. Further, these measures may differ from the non-IFRS information, even where similarly titled, used by other companies and therefore should not be used to compare Inter&Co’s performance to that of other companies. AppendixBusiness UpdateCEO Overview Financial Performance

Earnings Presentation | 2Q26 34 Activation Rate: Number of active clients at the end of the quarter Total number of clients at the end of the quarter Active clients: We define an active client as a customer at any given date that was the source of any amount of revenue for us in the preceding three months, or/and a customer that used products in the preceding three months. For Inter insurance, we calculate the number of active clients for our insurance brokerage vertical as the number of beneficiaries of insurance policies effective as of a particular date. For Inter Invest, we calculate the number of active clients as the number of individual accounts that have invested on our platform over the applicable period. Annualized interest rates: Yearly rate calculated by multiplying the quarterly interest by four, over the average portfolio of the last two quarters. All-in loans rate considers Real Estate, Personnal +FGTS, SMBs, Credit Card, excluding non- interest earnings credit card receivables, and Anticipation of Credit Card Receivables. Anticipation of credit card receivables: Disclosed in note 9.a of the Financial Statements, line " "Loans to financial institutions”. ARPAC gross of interest expenses: (Interest income + (Revenue from services and comissions − Cashback − Inter rewards) + Income from securities and derivarives + Other revenue) ÷ 3 Average of the last 2 quarters Active Clients ARPAC net of interest expenses: (Revenue − Interest expenses) ÷ 3 Average of the last 2 quarters Active Clients ARPAC per quarterly cohort: Total Gross revenue net of interest expenses in a given cohort divided by the average number of active clients in the current and previous periods1. Cohort is defined as the period in which the client started his relationship with Inter. 1 - Average number of active clients in the current and previous periods: For the first period, is used the total number of active clients in the end of the period. Basel ratio: Referential equity Risk weighted assets Card+PIX TPV: PIX, debit and credit cards and withdrawal transacted volumes of a given period. PIX is a Central Bank of Brazil solution to bring instant payments among banks and financial institutions in Brazil. Card+PIX TPV per active client: Card+PIX TPV for a given period divided by the number of active clients as of the last day of the period. Cost of funding: Interest expenses × 4 Average of last 2 quarters Interest bearing liabilities (demand deposits, time deposits, savings deposits, creditors by resources to release, securities issued, securities sold under agreements to repurchase, interbank deposits and others) Non-IFRS measures and KPIs AppendixBusiness UpdateCEO Overview Financial Performance

Earnings Presentation | 2Q26 35 Cost of funding normalized by business days: Interest expenses × 4 ÷ business days in the quarter × 63 Average of last 2 quarters Interest bearing liabilities (demand deposits, time deposits, savings deposits, creditors by resources to release, securities issued, securities sold under agreements to repurchase, interbank deposits and others) Cost of risk: Impairment losses on Dinancial assets × 4 Average of last 2 quarters of: Loans and advances to customers + Commercial promissory notes + Certificates of agricultural receivables + Certificates of real estate receivables + Debenture (Fair value through other comprehensive income) + Ruralproduct bill + Debentures Amortized cost + Investment fund quotas + + CertiDicates of real estate receivables + Debentures + Bank deposit certiDicates + CertiDicates of agricultural receivables + Agribusiness credit bills + Commercial promissory notes + Real estate credit bills (Fair value through proDit or loss) Cost-to-serve (CTS): Personnel Expense + Administrative Expenses + Depreciation and Amortization ÷ 3 Average of the last 2 quarters Active Clients Coverage ratio: Provision for expected credit loss + Provision for expected credit losses on loan commitments Overdue higher than 90 days Earning portfolio (IEP): Earnings Portfolio includes “Amounts due from financial institutions” + “Loans and advances to customers” + “Securities” + “Derivatives” from the IFRS Balance Sheet Efficiency ratio: Personnel expense + Administrative expenses + Depreciation and amortization Net Interest Income + Net result from services and comissions + Other revenue − Tax expenses + Taxes on interest on own capital Expanded Loan Portfolio: Expanded Loan Portfolio considers “Loan Portfolio” + “Private Securities” Fee income ratio: Net result from services and commissions + Other revenue Net Interest Income + Net result from services and comissions + Other revenue − Tax expense Funding: Demand Deposits + Time Deposits + Securities Issued + Savings Deposits + Creditors by Resources to Release + Securities sold under agreements to repurchase + Interbank deposits + Borrowing and on-lending Global Clients: Includes Brazilian Global Account clients, US clients and international investors. Gross loan portfolio: Loans and Advance to Customers + Loans to financial institutions Gross merchandise volume (GMV): Gross merchandise value, or GMV, for a given period as the total value of all sales made or initiated through our Inter Shop & Commerce Plus platform managed by Inter Shop & Commerce Plus. Non-IFRS measures and KPIs AppendixBusiness UpdateCEO Overview Financial Performance

Earnings Presentation | 2Q26 36 Gross take rate: Inter Shop gross revenue GMV Loan portfolio: Loans and Advance to Customers, gross of provision for expected losses Margin per active client gross of interest expenses: ARPAC gross of interest expenses – Cost to Serve Margin per active client net of interest expenses: ARPAC net of interest expenses – Cost to Serve Net fee income: Net result from services and commissions + Other Revenue + Revenue foreign exchange Net interest income: Interest Income + Interest Expenses + Income from securities + Income from derivatives Net revenue: Net interest income + Net fee income Net revenue IOC adjusted: Net interest income + Net fee income + Taxes on interest on own Capital NIM 2.0 – IEP Only: Net interest income and income from securities, derivatives and foreign Exchange x 4 Average of 2 Last Quarters Earning Portfolio (Cash and cash equivalents + Amounts due from Dinancial institutions, net of provisions for expected credit losses + Deposits at Central Bank of Brazil + Securities, net of provisions for expected losses + Derivative Dinancial assets + Loans and advances to customers, net of provisions for expected credit losses) – Interbank deposits NPL 15 to 90 days - Excluding Credit Card Receivables: Overdue 15 to 90 days Loans and Advance to Costumers NPL > 90 days - Excluding Credit Card Receivables: Overdue higher than 90 days Loans and Advance to Costumers NPL formation: Overdue balance higher than 90 days in the current quarter – Overdue balance higher than 90 days in the previous quarter + Write − off change in the current quarter Total loans and advance to customers in the previous quarter Primary Banking Relationship: A client who has 50% or more of their income after tax for that period flowing to their bank account with us during the month. Private Securities: Private Securities comprise the following instruments: Debentures, Certificates of Real Estate Receivables, Investment Fund Quotas, Certificates of Agricultural Receivables, Commercial Promissory Notes, Fixed-Term Deposit with Special Guarantee, Rural Product Bill, Financial Bills, Bank Deposit Certificates, Agribusiness Credit Bills (LCA), Real Estate Credit Bills (LCI), Development Bills of Credit, and FIDC Fund Quotas. Non-IFRS measures and KPIs AppendixBusiness UpdateCEO Overview Financial Performance

Earnings Presentation | 2Q26 37 Return on Average Assets (ROA): (ProDit (loss) for the quarter)× 4 Average of last 2 quarters of total assets Return on Average Equity (ROE): (ProDit (loss) for the quarter)× 4 Average of last 2 quarters of total shareholder`s equity Return on Average Tangible Equity Excluding Only Goodwill (ROTE): (ProDit (loss) for the quarter)× 4 Average of last 2 quarters of total shareholder`s equity − 𝑔𝑜𝑜𝑑𝑤𝑖𝑙𝑙 Risk-Adjusted NIM 2.0: Net interest income and income from securities, derivatives and foreign exchange −Impairment losses on Dinancial assets x 4 Average of 2 Last Quarters Earning Portfolio (Cash and cash equivalents + Amounts due from Dinancial institutions, net of provisions for expected credit losses + Deposits at Central Bank of Brazil + Securities, net of provisions for expected losses + Derivative Dinancial assets + Loans and advances to customers, net of provisions for expected credit losses – Interbank deposits − Credit card transactor portfolio) SG&A: Administrative Expenses + Personnel Expenses + Depreciation and Amortization Non-IFRS measures and KPIs AppendixBusiness UpdateCEO Overview Financial Performance Securities: Income from securities and derivatives – Income from derivatives Stage 3 formation: Stage 3 balance in the current quarter – Stage 3 balance in the previous quarter +Write − off change in the current quarter Total loans and advance to customers in the previous quarter Total gross revenue: Interest income + Revenue from services and commissions − Cashback expenses − Inter rewards + Income from securities and derivatives + Other revenue

Earnings Presentation | 2Q26 38

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