Inter & Co Investor Presentation — August 2022

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Quarterly EarningsPresentationStayingawayfromthecomfortzone2

Inter’sLatest MilestoneInter&Co Nasdaq ListingFirst ever conversion from Brazil to USInter&Co now part of the Nasdaq familyAnother milestone on our history of re-defying boundaries

R$14Monthly CTSAC-4% YoY growth72%Cost to income-19 p.p.YoYR$16 mmNet IncomeVs. R$-30mm in 2Q21R$32Monthly ARPAC+16% YoY growthR$1.5 bnRevenues1+130% YoY growthQuarterlyperformance highlights20.7 mmClients+73% YoY growthR$19.5 bnGross Loan Portfolio+56% YoY growthR$25.9 bnFunding+46% YoY growth2Q22

Sources: Company Filings.Notes: 1Total Gross Revenues = Interest income calculated using the effective interest method + Revenues from services and commissions + Income from securities + Net gains / (losses) from derivatives + Other revenues4Strategic Overview

Financial Performance

Consistency of Leading in Innovation1Consistentlystayingawayfromthecomfortzone

Notes: 1Among Brazilian BanksFirstto be 100% Cloud BasedFirstto launch Free Digital AccountFirstbank to launche-commerce platformFirsttrue global account in the AmericasFirstBrazilian Entity to Migrate from B3 to US

20192Q22 LTMNumber of ClientsIn Million

Sources: Company Filings, Banco Central do Brasil, NeoTrust, IBGE and ABECSNotes: 1In number of transactions as of June, 2022; 2Considers demand deposits as of April, 2022; 3Considers E-commerce participation in retail total volume as of April, 2022; 4Considers Cards TPV as of March, 2022; 5Considers Brazil real estate financing portfolio as of April, 2022; 6Considers Brazil total payroll loan portfolio as of April, 2022A visionthatbecamea reality atscale2Q22FundingIn R$ BillionTotal Gross RevenuesIn R$ BillionMarket ShareIn %+4.7x

Dec 19Jun 226,4 25,9

1.9%TPV42.3%Marketplace33.0%DemandDeposits2

0.7%Payroll6Real Estate50.7%7.7%PIX18

Seeking +5% Share in Core Products

Balanced Across NII and Fee Income

Diversified Revenue Streams

Doing More with Less

Operational leverageFromnowtothefuture2Q22

Efficient Capital Use

Self-Funded Capital Plan

Mindset of exceeding client expectations

Capitalize on Inter’scapabilities

Penetration of US Market9

Two layer regulatory governance (SEC and CVM)Inter&Cois now registered with CVMCreation of Inter&CoAudit CommitteeIncrease of independentemembers in the statutory committees of Banco InterInclusion of explicit Inter&CoTag Along rightsGreater governance improvementsImprovements in Eco-Efficiencyof our energy matrix comes from renewable sources+84% of Scope 2 emissions with the migration from our HQ to the Free Energy Market-57%Our goal is to zero the carbon emissions of 2022 equivalent of our Scope 21