Dados Econômico-Financeiros

Quarterly

information

3nd half of 2021

Content

Management report	3
Auditors' report on the individual and consolidated quarterly financial
information	7
Individual and consolidated balance sheets	9
Individual and consolidated statements of income	11
Individual and consolidated statements of comprehensive income	12
Individual and consolidated statements of cash flow	13
Individual and consolidated statements of changes in shareholders' equity	14
Individual and consolidated statements of added value	15
Notes to the individual and consolidated quarterly financial information	16

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Management Report

Management of Banco Inter S.A. and its subsidiaries (Inter), a private multiple bank, which operates through a digital platform, including financial and non-financial services, in accordance with legal and statutory provisions, presents hereby the consolidated financial information to its shareholders for the quarter ended September 30, 2021. The information, unless otherwise indicated, is expressed in national currency (in thousands of Reais) and was prepared based on the accounting practices issued by the Brazilian corporate law, together with the rules and instructions of the National Monetary Council (CMN) and the Central Bank of Brazil (Bacen), when applicable.

Inter

We are a digital platform with the purpose of simplifying our customers' lives. We started our journey as one of the main agents in the modernization of the Brazilian banking industry, offering a disruptive value proposition, with a new concept of banking. We offer an extensive portfolio of financial and non-financial services and products, without the charge of bank fees, for all types of customers, regardless of age, economic or social condition.

The products currently comprising the Inter ecosystem interact with each other and are completely interconnected, offering options such as current accounts, loans and financing, investments, consortia, foreign exchange, insurance, in addition to the possibility of buying products in the main retail stores in the country, through Inter Shop, our digital mall, all in one application, simply and quickly.

The more than 27 years of our experience in the Brazilian banking industry have given us credibility to provide services and products that we understand to be of quality in a highly regulated market. Concomitantly, the fintech essence has provided, in our view, Inter with a modern, agile, scalable and digital business model, better meeting the demands of customers and growth strategies.

Our digital platform has evolved into an ecosystem of products and services beyond our banking origin. Today we see ourselves as an innovative platform that aims to make life easier for customers: we understand that our processes involve only as necessary, in order to avoid the bureaucracy of the traditional banking industry to deliver what we believe our customers need in a viable, adaptable and intuitive way.

The digital platform enables an accelerated growth in the customer base, evolving from 7.2 million account holders in Setptember 30, 2020, to 14 million in September 30, 2021, which is equivalent to 94% of growth between the periods.

Since the digitization of our business model in 2015, we have increased the diversification of our revenues, increasing the relevance of services revenues. Additionally, the structure of a digital retail bank contributes to a low-cost funding composition, which is more resilient and dispersed among our account holders.

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Operating Highlights

Digital Account

During the fourth quarter 2021 we achieved the landmark of 14 million account holders, with over 33,000 accounts being opened per business day and over 422 million logins to our app. In the same period, we reached R$11.6 billion in transacted amounts, and a 93% increase in the number of cards used compared to the same period in the previous year, having reached 4.8 million.

Credit portfolio

On September 30, 2021, the balance of credit operations reached R$14.4 billion, a positive change of 69.3% compared to December 31, 2020. The credit portfolio with real estate guarantee exceeded R$4.6 billion, a growth of 34.4% compared to December 2020, when its balance was R$3.5 billion. The individual credit portfolio, which includes the payroll- deductible credit and credit card portfolios, reached the amount of R$8.6 billion, showing a growth of 94.0% compared to December 31, 2020, where it totaled R$4.4 billion.

Funding

As of September 30, 2021, total funding amounted to R$21.0 billion, an increase of 47.3% in relation to the amount of R$12.4 billion recorded on December 31, 2020. Demand deposits totaled R$9.2 billion, a growth of 36.8% compared to the amount recorded at the end of 2020, in the amount of R$6.7 billion.

Economic-Financial Highlights

Net Result

In the nine-month period ended September 30, 2021, we presented a consolidated Net Result of R$58.3 million, which represents an increase of R$72.1 million, when compared to the nine- month period ended on September 30, 2020. The difference in the Net Result between the periods may be expressed by the increase in credit operation revenues, and also by the significant increase in transactions carried out in our Marketplace.

Gross Result from Financial Intermediation

On September 30, 2021, the Gross Result from Financial Intermediation reached R$1,097.5 million, an increase of R$594.1 million in relation to the amount registered in the same period of 2020. As a positive highlight, we have the results with credit operations, which reached the amount of R$971.2 million, a growth of 68.0% compared to the 3nd quarter of 2020.

Administrative Expenses

Administrative and personnel expenses incurred in the quarter ended September 30, 2021 amounted to R$986.1 million, an increase of R$426.0 million compared to the same period in 2020, a growth explained by the increased volume of operations, expansion of services and products offered, in addition to the exponential growth of the customer base.

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Equity Highlights

Total Asset

Total assets amounted to R$33.7 billion on September 30, 2021, a growth of 70.2% compared to December 2020. We highlight the Credit portfolio, net of provisions, which totaled R$14.5 billion in September 30, 2021, an increase of R$5.9 billion in the period.

Shareholders' Equity

On September 30, 2021, shareholders' equity totaled R$8.6 billion, an increase of 156.8%, when compared to December 31, 2020. The increase is mainly due to the inflow of funds via a follow-on transaction, which occurred in the month June 2021, when R$5.5 billion were raised.

Inter ended September 30, 2021 with a Basel Index of 49.7%, thus maintaining a strong capital structure for maintenance of its growth rates.

Ratings

The Investment Grade rating assigned by the specialized agencies Fitch Ratings and Standard

• Poor's, with long-term national scale ratings of "A-(bra)" and "brAA", respectively, certifies the adequate liquidity position and the comfortable level of capitalization of Inter. We also highlight the change to the rating attributed by agency Standard & Poor's in July, which raised Inter's scale rating to "brAA", and the change in the rating perspective by Fitch Ratings, from negative to positive. The agencies highlight the improvement in the credit quality, the mitigation of risks of maturity mismatch, the substantial advances in the cross sale of products and in the autonomy of funding resources, reflecting the benefits of the exponential growth of the customer base in recent years.

Marketable Securities Portfolio - Circular Nº 3.068/2001 - Bacen

In compliance with the provisions of Article 8 of Bacen Circular No. 3.068/2001, Inter declares to have the intention and capacity to maintain R$803.0 million, in the category of "Securities held to maturity".

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