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Inter & Co, Inc. (INTR) Q2 2025 Earnings Call Transcript

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Inter & Co, Inc. (NASDAQ:INTR) Q2 2025 Earnings Conference Call August 6, 2025 10:30 AM ET

Company Participants

Alexandre Riccio De Oliveira – Senior Vice President of Retail Banking
Joao Vitor Nazareth Menin Teixeira de Souza – Global Chief Executive Officer
Rafaela de Oliveira Vitoria – Chief Investor Relations Officer
Santiago Horacio Stel – Senior VP of Finance & Risks and CFO

Conference Call Participants

Eduardo Rosman – Banco BTG Pactual S.A., Research Division
Gustavo Schroden – Citigroup Inc., Research Division
Mario Lucio S Pierry – BofA Securities, Research Division
Neha Agarwala – HSBC Global Investment Research
Pedro Leduc – Itaú Corretora de Valores S.A., Research Division
Daer Labarta – Goldman Sachs Group, Inc., Research Division
Yuri Rocha Fernandes – JPMorgan Chase & Co, Research Division
Daniel Vaz – J. Safra Corretora de Valores e Cambio Ltda, Research Division

Rafaela de Oliveira Vitoria

Good morning, everyone. I’m Rafaela de Vitoria, Inter’s IR Officer, and I would like to welcome all to Inter’s Second Quarter 2025 Earnings Conference Call. [Operator Instructions] The conference is being recorded. [Operator Instructions] A replay will be available at the company’s IR website.

With me on today’s call are Joao Vitor Menin, Inter’s Global CEO; Alexandre Riccio, Brazil’s CEO; and Santiago Stel, Senior Vice President and CFO. Throughout this conference call, we’ll 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 company’s non-IFRS to the IFRS financial information are available in our earnings release and earnings presentation appendix.

I would also like to remind everyone that today’s discussion might include forward-looking statements which are not guarantee of future performance. Please refer to the forward-looking statements disclosure in the company’s earnings release and earnings presentation.

Today, Joao will discuss the interest

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