IR Talks | Inter&Co | Rule of 50

EN: In this special edition, Rafaela Vitória, Head of Investor Relations, invites Santiago Stel, our Senior Vice President of Finance (CFO), for an in-depth discussion on Inter’s financial strategy, the “Rule of 50”, originally unveiled at the 2026 Owners’ Day. In this episode, Rafaela and Santiago address the key questions raised since the event, offering clarity on the “Rule of 50” and sharing insights about Inter's roadmap for the upcoming years. IR Talks is now also available on Spotify. *Captions generated using Artificial Intelligence. PT: Nesta edição especial, Rafaela Vitória, Head de Relações com Investidores, convida Santiago Stel, nosso Vice-Presidente Sênior de Finanças (CFO), para conversa sobre a estratégia financeira do Inter, conhecida como “Rule of 50”, apresentada originalmente no Owners’ Day de 2026. Neste episódio, Rafaela e Santiago respondem às principais dúvidas levantadas desde o evento, trazendo mais clareza sobre a “Rule of 50” e compartilhando insights sobre os próximos passos do Inter para os próximos anos. O IR Talks agora também está disponível no Spotify. *Legendas feitas através de Inteligência Artificial. 00:00 - Introduction 00:33 – The success of the 60/30/30 plan 02:06 – The “Rule of 50” 05:33 – The path to 30% ROE 10:26 – Credit growth opportunities 15:40 – Asset quality trends 19:15 – NIM expansion 21:09 – Capital structure 23:38 – Balance between growth and profitability 26:34 – Execution of the plan