Inter & Co (INTR) Q3 2025 Earnings Call Transcript

Motley Fool Transcribing, The Motley Fool

Thu, November 13, 2025 astatine 11:28 AM CST 44 min read

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Thursday, Nov. 13, 2025 astatine 11 a.m. ET

• Chief Executive Officer — João Vitor Menin

• Chief Financial Officer — Santiago Stel

• Chief Operating Officer — Shange (full sanction not provided successful transcript; utilized arsenic successful call)

• General Counsel and Investor Relations Officer — Rafael Vittore

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João Vitor Menin: Hello, everyone. I'm excited to stock that we person accomplished yet different singular 4th of maturation portion continuing to physique Inter for the future. This twelvemonth is simply a precise peculiar 1 for us. It marks the ten-year day of the motorboat of Brazil's archetypal integer account. It's a infinitesimal of pridefulness and reflection, arsenic we look backmost to 2015 and retrieve the challenges we overcame to get wherever we are today. What makes america adjacent prouder is that we person ne'er mislaid our essence. Creating worth for each azygous stakeholder and genuinely walking the speech of transforming Brazil's fiscal strategy into a better, much inclusive environment.

For our clients, our nary hidden fees attack and much importantly, our sustainable recognition products connection an inclusive and accessible mode to conscionable their fiscal needs. This has led america to turn from zero to 41 cardinal clients successful this astonishing journey. For regulators, being the pioneer that launched the archetypal integer slope backmost successful 2015, we enactment arsenic a spouse of a amended fiscal system. One that is efficient, transparent, and client-focused. For our shareholders, the disciplined execution of our six 30 program allows america to present an charismatic equilibrium of profitability and growth, ensuring semipermanent value, arsenic shown successful our way of increasing our ROE.

For our employees, Inter remains an exciting, dynamic enactment situation wherever our radical are empowered to innovate, grow, and lend to meaningful alteration each day. As we observe a decennary of innovation, we stay existent to our disruptive spirit. Inter is built for the future, and I judge that our adjacent decennary volition beryllium adjacent much breathtaking than this one. As we observe our ten-year anniversary, I'm definite that our ngo connection was the concealed condiment that made it possible. Our ngo connection is crystal clear: to make a satellite wherever interactions betwixt radical make much value. This ngo captures what drives america each day. We make products, services, and solutions that simplify lives, empower people, and physique stronger connections.

Whether done innovation, flawless execution, oregon a customer-first approach, each enactment brings meaningful value. Our ngo is profoundly rooted successful our culture, which is built connected 4 halfway pillars. First, is lawsuit centricity, ever prioritizing our clients' needs and delivering large experiences. We are ever looking ahead. Second, we pb with existent innovation to expect our clients' needs. Third, our operational excellence means we purpose for flawless execution successful everything we bash astatine Inter. And fourth, our winning mentality by delivering the other mile and achieving large results unneurotic arsenic a team. By surviving these pillars each day, we are mounting the instauration to marque our ngo a reality.