Inter & Co Income Statement

Financials in millions BRL. Fiscal year is January - December.

Millions BRL. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	7,499	5,139	4,550	2,803	1,435	942.81
Interest Income on Investments	3,412	2,629	1,635	1,506	-	-
Total Interest Income	10,911	7,768	6,184	4,308	1,435	942.81
Interest Paid on Deposits	5,198	3,312	2,888	1,973	543.24	184.34
Total Interest Expense	5,198	3,312	2,888	1,973	543.24	184.34
Net Interest Income	5,713	4,457	3,297	2,335	892.19	758.47
Net Interest Income Growth (YoY)	37.22%	35.18%	41.16%	161.77%	17.63%	28.44%
Gain (Loss) on Sale of Assets	23.78	55.54	41.79	66.36	29.33	-
Gain (Loss) on Sale of Investments	-	-	-	-	601.83	-5.09
Other Non-Interest Income	2,111	1,888	1,414	1,161	698.48	367.36
Total Non-Interest Income	2,135	1,943	1,456	1,227	1,330	362.27
Non-Interest Income Growth (YoY)	25.17%	33.50%	18.62%	-7.70%	267.03%	106.97%
Revenues Before Loan Losses	7,848	6,400	4,753	3,563	2,222	1,121
Provision for Loan Losses	2,219	1,799	1,542	1,083	595.58	213.69
Revenue	5,628	4,601	3,211	2,479	1,626	907.06
Revenue Growth (YoY)	34.63%	43.28%	29.50%	52.46%	79.29%	42.93%
Salaries and Employee Benefits	1,032	908.97	758.05	686.05	443.33	229.1
Occupancy Expenses	289.15	208.83	160.44	163.97	94.25	43.66
Selling, General & Administrative	2,084	1,749	1,455	1,542	1,164	571.65
Other Non-Interest Expense	670.92	477.04	326.58	248.59	146.76	69.68
Total Non-Interest Expense	4,076	3,346	2,733	2,658	1,857	914.08
EBT Excluding Unusual Items	1,552	1,255	478.45	-178.57	-231.03	-7.02
Legal Settlements	-53.08	-49.12	-38.61	-	-	-
Pretax Income	1,499	1,206	439.84	-178.57	-231.06	-7.02
Income Tax Expense	209.35	232.71	87.58	-164.49	-175.99	-37.71
Earnings From Continuing Operations	1,290	972.84	352.26	-14.08	-55.07	30.69
Minority Interest in Earnings	-76.73	-65.71	-49.92	2.99	-17.6	-12.78
Net Income	1,213	907.13	302.34	-11.09	-72.66	17.91
Preferred Dividends & Other Adjustments	-	-	-	-	-36.32	8.26
Net Income to Common	1,213	907.13	302.34	-11.09	-36.35	9.65
Net Income Growth	54.97%	200.03%	-	-	-	-77.29%
Basic Shares Outstanding	440	436	402	401	2,541	2,234
Diluted Shares Outstanding	443	439	403	401	2,541	2,234
Shares Change (YoY)	2.72%	8.89%	0.49%	-84.21%	13.73%	-
EPS (Basic)	2.76	2.08	0.75	-0.03	-0.01	0.00
EPS (Diluted)	2.74	2.07	0.75	-0.03	-0.01	0.00
EPS Growth	51.09%	176.00%	-	-	-	-
Dividend Per Share	-	-	0.146	-	-	-
Effective Tax Rate	13.96%	19.30%	19.91%	-	-	-

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.