Managerial Report 1st Quarter 2022

Letter from our CEO 1 MANAGERIAL REPORT | 1Q22 We kicked-off the year with several milestones that will mark 2022 as a great year for Inter. During the first quarter, we grew our client base to 18.6 million, and at the current pace we are on track to surpass the 20mm mark in a matter of days. Just for reference, the number that we had envisioned at the time of the IPO, when we began being a publicly listed entity, was 3mm clients. We acknowledge that we are operating under a more complex macro scenario. Since these cycles are not new in Brazil, when we designed our strategy back in 2015/2016, we decided not to be a mono-liner but instead to have a robust and highly diversified business that would protect us precisely on times like these. Our loan mix has allowed us to show strong performance in the asset quality front, with a deterioration that has been lower than the market. We believe that throughout 2022 we will continue overperforming the market in this front. Our funding base remains solid. Given the rate environment and the seasonality of the quarter, the growth was more skewed to higher yielding products, though our demand deposit base, which is a key competitive strength remains close to 50% of our total funding base. Our balance sheet couldn't be stronger, as we continue to operate with a capital and liquidity levels that are multiple times higher than the industry's average. This will allow us to continue gaining market share across products. We continue highly of focused on client monetization, with our average revenue per client increasing while our cost to serve decreases, thus having the double-sided impact to expand our margins per client. This quarter the acquisition of USEND closed and the company is now fully owned by Inter. We have named this line of business as Cross Border Services, and it will be our sixth vertical. The core of the existing business is remittances from Brazilians who live in the US and send money to Brazil. We intend to deploy our SuperApp into the US, replacing USEND's current one, offering the full suite of transactional services to this clientele. Another important milestone is that our shareholders approved the migration of our shares from B3 to Nasdaq. This transaction will enable us to have greater visibility to the global tech investor base and stronger access to the international capital markets. Finally, our mission is to simplify people's life, and the way we achieve this is by having a best-in-class team that shares the "sangue laranja" values. I'm convinced that our culture is stronger than ever and will be key competitive advantage for the Inter's success in the coming years. João Vitor Menin CEO INTER

R$1.2 bn Total Revenue1 + 130% YoY 1 Total revenues = income from financial intermediation + service fee income (gross cashback) + other operating income 2 Gross Profit = NII - provision + fee income + other operating revenues; 2 18.6 mm Clients + 82% YoY R$14.1 bn TPV + 86% YoY R$19.8 bn Expanded Credit Portfolio + 81% YoY R$663 mm Gross Profit2 + 69% YoY R$27 mm Net Profit + 32% YoY Highlights MANAGERIAL REPORT | 1Q22

• We increased investment revenue by 144% YoY, reaching R$36.6 million in 1Q22 • We reached 2 million investor clients on our platform, 34% YoY growth • We ended the quarter with R$ 58 billion in assets under custody (AuC), growth of 11% YoY • We reached 915 thousand active insurance customers in 1Q22, up 150% YoY • We surpassed R$29.8 million in revenues in 1Q22, 52% YoY growth • We made 195,000 insurance sales, up 32% YoY • We transacted R$1.1 billion (GMV) at Inter Shop in the quarter, growth of 56% YoY • We reached 3.1 million active customers (LTM) • We surpassed R$ 101 million in revenues, 145% higher than 1Q21 • We reached 9.6% take-rate in 1Q22, 3.5 p.p. above the 1Q21 take-rate 3 Inter Shop Inter Seguros Inter Invest MANAGERIAL REPORT | 1Q22 Cross Border Services • We started the integration of USEND services to Inter in 1Q22 • We surpassed USD 200 million in international remittance in the quarter • We reached peaks of 3,000 Global Accounts opened in just one day • We reached R$9.6 billion in demand deposits, a 37% growth YoY • We transacted R$14.1 billion in cards in 1Q22, a 86% growth YoY • We increased card revenues by 88% YoY, reaching R$154 million in the year • We reached R$ 19.8 billion in the expanded loan portfolio, growth of 81% YoY • Credit underwriting reached R$4.5 billion in 1Q22, +22% YoY • The provision for loan losses reached 3.0% of the expanded loan portfolio, while the NPL over 90 days remained stable at 3.3% Day to Day Banking Credit Highlights

4 Market Cap* As of March 31, 2022 R$ 18.5 billion * Total Shares x BIDI4 Close Highlights Inter Shares | BIDI MANAGERIAL REPORT | 1Q22

Growth Total Revenues We reached 18.6 million clients in the first quarter of 2022, 82% annual growth. We added more than 2.3 million clients in the quarter, 30% above 1Q21. Total revenues3 reached R$1.2 billion in 1Q22, a 130% growth YoY 3 Total Revenues = revenues from financial intermediation + fee income + other operating revenues. 5 Total revenues In R$ Million Number of clients In Million EARNINGS RELEASE 9.4 1Q22 1.2 18.6 10.2 17.4 0.8 1Q21 +82% Legal entities Individuals 2.3 1Q21 1Q22 1.8 +30% Added clients In Million 542 1Q22 1Q21 1,244 130% MANAGERIAL REPORT | 1Q22 Total net revenues In R$ Million 486 907 1Q22 1Q21 87%

4 Fee income include service revenues, operating revenues, floating revenues, foreign exchange revenues and Inter Shop prepayment revenues. Revenue allocation is managerial, unaudited and subject to review. Fee income In 1Q22, our fee income4 reached R$ 522 millions, a 152% growth when compared to 1Q21. Revenues were mainly leveraged by the growth in floating and Inter Shop revenues, which totaled R$143 million and R$101 million respectively in the quarter. NII Gross revenues from financial intermediation before PDD (NII), comprised of revenues from credit operations, net of funding costs, plus financial revenues, reached R$ 544.5 million in 1Q22, growth of 78%. NII In R$ Million Fee income In R$ Million 41.2 36.6 522.0 1Q21 207.2 81.7 29.8 11.3 39.8 143.0 153.8 101.0 22.6 1Q22 19.6 18.1 15.0 15.8 +152% 1Q21 544.5 305.6 1Q22 78% Inter Invest revenue Credit-related revenue Inter Shop revenue Inter Seguros revenue Floating revenue Digital account and others revenues Card revenues MANAGERIAL REPORT | 1Q22 6

5 ARPAC = (Total Net Revenues * 4) / number of active clientes 6 CTS = [(Administrative expenses + personnel expenses + other operating expenses – cashback expenses) –(CAC * account opening number) *4] ÷ number of digital accounts. As of 2Q21, we changed the calculation of CTS metodology to annualise the CAC. Average revenue per cliente and Cost to serve (CTS) The average revenue per active client (ARPAC)5 presented a 11% growth YoY, reaching R$ 367 per active client in the quarter. CTS6 remained stable YoY and presented a increase of 17.6% over 1Q20. The expenses growth over the clientes growth is due to more investments in the platform and with employees. As a consequence, the margin per client continuous expanding. Average revenue per active cliente (ARPAC) In R$ annualized Client acquisition cost In R$ annualized Cost to Serve In R$ In 1Q22, the client acquisition costs reached R$ 29 per client, an increase of 4.6% in annual comparison. Client acquisition cost (CAC) 1Q21 330 367 1Q22 317 1Q20 +11% 14 16 14 13 28 1Q21 1Q22 29 +4.6% Marketing Costs Operational costs 1Q20 1Q22 110 1Q21 108 133 +1.9% MANAGERIAL REPORT | 1Q22 7

Total deposits In R$ Billion Total deposits Floating revenue is calculated on a managerial basis and is represented by the balance of demand deposits free of compulsory invested at 100% of the CDI rate. Floating revenues grew 532% in 1Q22 in annual comparison and surpassed R$ 143 million. This growth can be explained by the increase in demand deposit balances and of the Selic rate. Floating revenue In R$ Million Pix In 1Q22, we reached 275 million in transactions done by Pix. There was transacted about R$ 97 billion trough Inter over the first quarter. 8 Inter Bank 143.0 1Q22 22.6 1Q21 +532% MANAGERIAL REPORT | 1Q22 Deposits volume surpassed R$ 23.2 billion, an increase of 54% in annual comparison. Demand deposits balance topped R$ 9.6 billion in 1Q22, 37 % YoY growth. 1.7 7.9 23.2 7.0 9.6 0.1 1.2 1Q21 1Q22 15.1 0.9 4.3 5.4 +54% Credit letters Savings deposits Time deposits Interbank accounts Demand deposits

No. of cards used In Million No. of debit users In Million No. of credit users In Million More than 5.8 million dual-function cards were used in 1Q22, a volume 68% higher than in 1Q21. The volume transacted with cards increased 86% year-on- year. Card revenues grew 88% YoY and totaled R$ 154 million in 1Q22. Cards Card TPV In R$ Billion Card revenues In R$ Million 9 5.8 1Q22 1Q21 3.5 +68% 1Q21 2.7 4.5 1Q22 +67% 2.9 1.6 1Q21 1Q22 +83% 6.4 2.9 7.6 14.1 1Q21 1Q22 7.7 4.7 +86% 1Q22 81.7 1Q21 153.8 +88% MANAGERIAL REPORT | 1Q22 Debit Credit

7 Expanded credit portfolio includes debentures, CRAs e CRIs. Expanded credit portfolio In R$ Billion Credit underwriting In R$ Billion The expanded credit portfolio7 reached R$19.8 billion, an increase of 81% year-on-year. Credit underwriting reached R$4.5 billion, with a growth of 22% YoY and a highlight was SME, which grew 97% YoY. Credit portfolio 10 NPL > 90 days In % The 1Q22 provision for loan losses balance amount represented 3.0% of the expanded credit portfolio, while NPL over 90 days represented 3.3% of the portfolio. Provision / Expanded credit portfolio In % Credit 19.8 28.5% 3.9% 2.0% 1Q21 11.0 19.4% 37.8% 27.6% 19.0% 22.3% 1Q22 18.8% 20.5% 81% SME Credit Card Agrobusiness Loan Real Estate Payroll 1.3 0.1 3.7 0.7 0.6 3.1 1Q22 4.5 0.6 1Q21 1.6 0.0 22% Personal SME Agribusiness Real Estate 1Q22 3.3% 1Q21 2.6% 1Q22 3.0% 1Q21 2.2% MANAGERIAL REPORT | 1Q22

Real estate credit The real estate loan portfolio reached R$5.5 billion in 1Q22, a 33% yearly expansion, with a Loan to Value (LTV) of 47.2% and NPL of 2.4%. Revenues from the real estate loan portfolio surpassed R$165 million in 1Q22, corresponding to a 15% growth YoY. With a 45% growth in real estate financing and greater exposure to SBPE financing, the composition of the real estate loan portfolio has significantly evolved towards a profile with lower defaults. Real estate financing In R$ Billion Payroll loan The balance of the payroll loan portfolio totaled R$3.9 billion, an increase of 84% YoY. Revenues8 reached R$ 220 million in 1Q22, growth of 100% YoY. 8 Includes card revenues and other payroll credits. 11 Real estate credit portfolio In R$ Billion Payroll credit portfolio In R$ Million 5.7 1Q22 4.2 1Q21 36% 2.4% 2.8% NPL > 90d / Real estate credit portfolio 55% 1Q22 4.0 2.8 45% 52% 1Q21 48% +45% SBPE SFI 2.1 1Q22 3.9 1Q21 84% 2.9% 2.9% NPL > 90d / Payroll credit portfolio MANAGERIAL REPORT | 1Q22

12 Credit card portfolio In R$ Million Credit card The credit card portfolio reached R$5.4 billion in 1Q22, growth of 126% When compared to 1Q21. Out of this amount, R$ 962 million correspond to revolving and installment credits that generates interest income. Credit card portfolio NPL reached 6.6%, with a growth of 2.3 p.p. YoY. It’s worth mentioning that the portfolio financed with interest income represents only 6% of the total loan portfolio. Agribusiness credit Agribusiness financing10 portfolio reached R$783.3 million in 1Q22, presenting a 249% annual growth. Revenues reached R$12 million in 1Q22. The NPL of the portfolio remains 0%. Agribusiness financing portfolio In R$ Million SMB credit In 1Q22, the expanded SMB loan portfolio9 reached R$4.1 billion, an increase of 97% YoY, mainly concentrated in Supply Chain Finance operations. Revenues totaled R$87 million in 1Q22, up 186% YoY. Although the positive variation of 0.16 p.p., NPL remains on low levels. SME credit portfolio In R$ Million 8 Includes debentures 9 Includes CRAs. 4.1 2.1 1Q22 1Q21 97% 0.21% 0.05% NPL > 90d / Corporate credit portfolio 773 211 2,094 5,441 1Q22 2,406 100 189 4,479 1Q21 +126% Carteira à vista Instalments with interest Revolving credit + overdue loans 783.3 224.1 1Q22 1Q21 249% MANAGERIAL REPORT | 1Q22 6.6% 4.3% NPL > 90d / Credit card portfolio

In 1Q22, we reached R$1.1 billion in gross merchandise volume (GMV), a 56% annual growth. In the same period, we had 6.8 million transactions and engaged 504 thousand new clientes to the platform. In LTM, 3.1 million clients used Inter Shop and 73% are recurring ones. 13 Gross merchandise volume (GMV) Inter Shop In R$ Billion Inter Shop Revenues In R$ Million Inter Shop 1.1 1Q22 0.7 1Q21 +56% 101.0 1Q21 41.2 1Q22 145% MANAGERIAL REPORT | 1Q22 Take-rate (%) Net take-rate (%) 6.1% 1.1% 9.6% 3.0% 1Q21 1Q22 +3,5 p.p. +1,9 p.p. Other Highlights: • More than 650’000 available SKUs • More than 827 selles in Super App • We closed partnerships with important sellers as Decathlon, Ri Happy and Camicado • We lauched a new UX for Travel section • Duo Gourmet + Black Card campaign resulted in more than 36’000 subscriptions In addition to GMV growth, we observed strong growth in the Inter Shop operating margin. The take-rate in 1Q22 reached 9.6%, an increase of 3.5 percentage points compared to the same period last year. Take-rate net of cashback expenses (net take-rate) also showed strong growth, to 3.0% in 1Q22, +1.9 p.p YoY. In a quarter in which the market was impacted by seasonality, Inter Shop not only maintained its 4Q21 performance in terms of GMV, but also increased profitability.

Inter Invest Number of investment active users In Million Assets under custody12 In R$ Billion 11 Inter Invest Revenues includes Inter DTVM and Inter Asset revenues. 12 Includes demand deposits; Inter Invest Revenues In R$ Million In 1Q22, Inter Invest's revenues11 reached R$ 37 million, an annual growth of 144%. We reached 2 million investor clients in 1Q22, an increase of 34% in the annual comparison. Of these, more than 438 thousand had shares under custody at Inter in 1Q22, an annual growth of 19%. 14 36.6 4Q21 15.0 4Q20 +144% 1Q21 1Q22 52.4 58.1 +11% 1.5 1Q22 2.0 1Q21 +34% • International Home broker with more than 54 Thousand accounts • InvestPro, subscription plan that includes trading, data, charts, instruments and exclusive benefits • Recurring investment in fixed income • Inter Invest Portal, with reccomendations, analysis and news • Structured products Best Digital Platform in Brazil iBest Plataform with most loyal clients FGV / Isto É Best Investment Banking Estadão Melhores Serviços Launches in 1Q22: MANAGERIAL REPORT | 1Q22

13 Insureds: customers or the object of the contract (home, car, social security, consortia, etc.) Inter Seguros active users13 In Thousand Inter Seguros ended the first quarter of the year with records in its main lines. We presented 11 consecutive quarters of growth in revenue and active customer base. In the latter, we grew almost 2.5x compared to the same period last year. In 1Q22, we focused on products with higher tickets and better commission mix. With a larger customer base, we have successfully worked on numerous up and cross selling initiatives. We observed a significant improvement in the premium/revenue ratio, which added to the gains resulting from the exclusivity contracts with partner insurance companies with Liberty and Sompo. Inter Seguros' operation has diversified and recurring revenues, with a flow contracted for years and completely scalable. We highlight that the EBITDA margin for this quarter had non-recurring effects and should converge to previous levels over the next readings. 15 Insurance revenues In BRL Million Sales In Thousand Inter Seguros 19,6 29,8 1Q22 1Q21 +52% 367 915 1Q21 1Q22 +149% 148 195 1Q21 1Q22 +32% MANAGERIAL REPORT | 1Q22 Net Premium In BRL Million 1Q21 34,7 43,7 1Q22 +26%

In 1Q22, we consolidated a new business avenue: Cross Border Services. It covers exchange products, international payments and transfers, account and card issued in the USA – Global Account – and the international home broker14, giving access to active investments traded on American exchanges. With the conclusion of the acquisition of USEND, in January 2022, we started a new journey, and we turned our efforts towards operational and technology integrations, seeking synergies of what has already been developed in our Super App, to allow the growth of existing products in the US and new product launches throughout 2022. 16 Cross Border Services 14Brazilian investors with a aggressive investment profile can invest in American stock exchanges via the Apex Platform, hosted on the Super App. In 1Q22, we had the following results: US$200 MM In remittance + 3’000 Peak of Global Accounts opened in onde day In the coming quarters, the Global Account and US debit card will be integrated into inter’s Super App, allowing for a simpler experience for our customers. With this, we will be able to serve Brazilian and US resident customers with a unique experience and a growing range of services. MANAGERIAL REPORT | 1Q22

17 ESG ADVANCES MANAGERIAL REPORT | 1Q22 In 1Q22, we increased our efforts to bring the ESG strategy to business verticals, supported by our materiality. Among the highlights of 1Q22 is the maintenance of the BIDI11 units in the Carbon Efficient Index (ICO2), recalibrated in January. Inter Diverso In the first quarter of 2022, we made significant progress in Inter's diversity agenda. At our corporate university, the Inter Academy, we offer Vieses Inconscientes training as a way of reinforcing the theme of unconscious bias and intensifying the culture of diversity and inclusion throughout Inter. We also held lives on gender equity in partnership with the institution Pro Mujer for all employees, promoted the Inter Diverso program and strengthened the awareness process through communications on literacy related to diversity and inclusion. Social Responsability Our Social Responsibility agenda is getting stronger and stronger. And recognizing who is part of this construction is one of our premises. Therefore, at the beginning of 2022 we recognized the most participatory volunteers, who provided time and effort in social actions and, together, impacted about 13,600 people in situations of socioeconomic vulnerability. Corporate Governance Commitments Board of Directors and the Audit Committee Annual Assessment In 1Q22, we implemented an annual evaluation system for Inter's Board of Directors and Audit Committee. Individual assessments were carried out by each member of the Boards for the year 2021. The purpose of such assessments is to ensure that the Board of Directors and the Audit Committee act with a focus on the strategic development of Inter and its subsidiaries and guide the proper management of the risks involved in the development of the group's activities. The performance of Organs collegiate bodies as a whole, the individual members, the governance secretariat and the other Inter teams involved in the preparation of materials and the necessary support for the activities of these bodies were evaluated. Advisory Board This quarter, Inter's Advisory Board was created. Comprised of a diverse team of international professionals, it aims to strengthen our capabilities in various topics such as internationalization, marketing, public relations, risks and growth drivers. The Advisory Board is composed of João Vitor Menin, CEO of Inter, Rafaela Vitória, Chief Economist and Director of Research, and advisors (i) Michel Combes, current CEO of Softbank Group International; (ii) Todd Chapman, served for more than 30 years as a US diplomat; (iii) Beatriz Perez, a consultant specializing in organizational development.

Consolidated balance sheet (R$ Thousand) 18 MANAGERIAL REPORT | 1Q22

19 Consolidated income statement (R$ Thousand) MANAGERIAL REPORT | 1Q22

More than 4.1 million of followers on social networks Followers on social networks Evaluation of the App 4.4 on Google Play Store 4.8 on App Store Customer relationship We use technology to offer an even better platform and we establish a partnership relationship with our clients in each of our aspects. This relationship is very present on social networks, where engagement with us grows every day. 83 in March 2022 Net Promoter Score (NPS) 500 million access in March 2022 No of access App and Internet Banking Financial KPIs Appendix 20 MANAGERIAL REPORT | 1Q22 Engagement In 1Q22 we reached 9.9 million active clientes in the quarter.

Market risk management The Company manages the market risk of positions classified in the banking book as well as in the trading book. The risk management team monitors mismatches between indexes and terms of active and passive positions, checking the strategies (and risks) assumed on a daily basis. The Bank currently has an adequate market risk considering the strategy and complexity of the business, as well as in line with the Institution’s Risk Appetite Statement. Additionally, it is noteworthy that Inter currently uses tools such as Value-At-Risk (VaR), delta EVE and delta NII in the periodic management of market risk. Liquidity management The management of liquidity risk independently promotes the daily control and monitoring of Banco Inter’s liquidity in accordance with Resolution 4557 of the Central Bank of Brazil, as well as in line with the best market practices. The Bank regularly assesses its liquidity indicators and asset/liability mismatches, weighing minimum cash metrics, level of cash allocated to highly liquid assets (HQLA), potential cash requirements in a stress scenario, among others. Additionally, the Institution has a fragmented client base with demand deposits (and term deposits), as well as a robust (available) stock of collateral for the issuance of real estate credit notes (LCI) that potentially generate stability in liquidity management. 21 15 100% TIER I To better understand the revenues generated by each of our avenues and their respective products, we propose a managerial redistribution of our revenues. We allocate managerially part of the revenue that is recorded in the lines of “Revenues from financial intermediation” and “Other operating income” as revenue from services: Managerial allocation of fee income MANAGERIAL REPORT | 1Q22

Glossary Active clients: Active clients are those with checking accounts that generated revenue during the quarter. Products from all business avenues are considered. Cross-Selling Index (CSI): The average of products consumed per active client in the quarter. It is calculated based on the total number of products consumed in the period divided by the number of active clients in the same period. Products from all business avenues are considered. Average revenue per active client (ARPAC): Average revenue per client is calculated by adding the average revenue per active client from credit and services. ARPAC credit = [(NII adjusted)*4] ÷ number of active clients + ARPAC services = [(Expanded service revenue)*4] ÷ active clients Net Interest Income (NII): The gross result of financial intermediation, before PDD. It can be calculated using the formula: Income from Financial Intermediation – Expenses from Financial Intermediation. Expanded service revenues: Considers revenues from cards (exchange + performance), floating, Inter Invest, Inter Seguros, Inter Shop (gross cashback expenses) and ancillary income from credit and digital accounts. Total Revenues: Revenues from financial intermediation plus revenues from the provision of services and other operating income. Net Interest Margin (NIM): A measure of profitability obtained from the difference between revenues from financial intermediation and the cost of funding, relative to profitable assets. It is calculated based on the ratio between the average of the last 5 quarters of the NII and the average profitable assets. Profitable assets, in turn, are calculated from the sum of cash and cash equivalents, interbank investments with immediate liquidity, securities, interbank relationships, interdependence relationships, other financial assets, credit operations, other credits and provisions. 22 MANAGERIAL REPORT | 1Q22

Efficiency Index: A metric calculated according to the following ratio: 푃푒푟푠표푛푛푒푙 퐸푥푝푒푛푠푒푠 + 푂푡ℎ푒푟 푎푑푚𝑖푛𝑖푠푡푟푎푡𝑖푣푒 푒푥푝푒푛푠푒푠 + 푂푡ℎ푒푟 표푝푒푟푎푡𝑖푛푔 푒푥푝푒푛푠푒푠 + 푇푎푥 푒푥푝푒푛푠푒푠 + 푝푒푟푓표푟푚푎푛푐푒 퐹푒푒 𝑖푛푐표푚푒 + 푂푡ℎ푒푟 푎푑푚𝑖푛𝑖푠푡푟푎푡𝑖푣푒 푒푥푝푒푛푠푒푠 + 퐼푛푐표푚푒 푓푟표푚 퐹𝑖푛푎푛푐𝑖푎푙 퐼푛푡푒푟푚푒푑𝑖푎푡𝑖표푛 − 푝푒푟푓표푟푚푎푛푐푒 Resources under custody (AuC): AuC include the primary funding products issued by Inter, assets under custody (products issued by third parties, investment funds, shares and other securities) of Inter DTVM and assets under management by Inter Asset. Cost of Funding: The cost incurred with capturing clients. To calculate the percentage cost of funding, deposits and bills issued are weighted as a percentage of the CDI, considering the issuance fees, volumes and maturities of each one. In the percentage calculation certain bills indexed to inflation are not taken into account. Client Acquisition Cost (CAC): The average cost to add a client to the base, considering operating expenses for opening an account - such as onboarding personnel, embossing and sending cards and digital marketing expenses with a focus on client acquisition divided by the number of accounts opened in the quarter. Cost to Serve per client (CTS): CTS = [[(Administrative expenses + personnel expenses + other operating expenses – cashback expenses) – (CAC * number of account openings)] *4 ] ÷ number of digital accounts. Volume traded in Marketplace (GMV): Includes the volume transacted in purchases made through the shopping service, in the affiliated and end- to-end models, as well as recharging, gift cards and other products sold through Inter Marketplace. Expanded credit portfolio: Includes credit operations, credit card operations in cash, revolving and installments, in addition to certain TVM operations such as debentures and CRIs. Return on Average Equity (ROAE): ROAE = Sum (Net income for the last 4 quarters) / Average (Net equity for the last 5 quarters). Return on Average Assets (ROAA): ROAA = Sum (Net income for the last 4 quarters) / Average (Total assets for the last 5 quarters). 23 MANAGERIAL REPORT | 1Q22

This report may contain forward-looking statements regarding Inter, anticipated synergies, growth plans, projected results and future strategies. While these forward-looking statements reflect our Management’s good faith beliefs, they involve known and unknown risks and uncertainties that could cause the company’s results or accrued results to differ materially from those anticipated and discussed herein. These statements are not guarantees of future performance. These risks and uncertainties include, but are not limited to, our ability to realize the amount of projected synergies and the projected schedule, in addition to economic, competitive, governmental and technological factors affecting the Bank, the markets, products and prices and other factors. In addition, this presentation contains managerial numbers that may differ from those presented in our financial statements. The calculation methodology for these managerial numbers is presented in Inter’s quarterly earnings release. Statements contained in this report that are not facts or historical information may be forward-looking statements under the terms of the Private Securities Litigation Reform Act of 1995. These forward- looking statements may, among other things, convictions related to the creation of value and any other statements regarding Inter. In some cases, terms such as “estimate”, “project”, “predict”, “plan”, “believe”, “can”, “expectation”, “anticipate”, “intend”, “aimed”, “potential”, “may”, “will/shall” and similar terms, or the negative of these expressions, may identify forward-looking statements. These forward-looking statements are based on Inter's expectations and convictions about future events and involve risks and uncertainties that could cause actual results to differ materially from current ones. The numbers for our key metrics (Unit Economics), which include monthly active users (MAU), average revenue per user (ARPU) and cross selling index (CSI), are calculated using Inter’s internal data. Whether based on what we believe to be reasonable estimates, there are challenges inherent in measuring the use of our products. In addition, we continually seek to improve estimates of our user base, which may change due to improvements or changes in methodology, in processes for calculating these metrics and, from time to time, we may discover inaccuracies and make adjustments to improve accuracy, including adjustments that may result in recalculating our historical metrics. The financial information, unless otherwise stated, is presented in millions of reais, in accordance with the consolidated financial statements, in BACEN GAAP. 24 DISCLAIMER MANAGERIAL REPORT | 1Q22

Financial Statements

The Management of Banco Inter S.A. and its subsidiaries (Inter), a private multiple-service bank operating through a digital platform, including financial and non-financial services, in accordance with legal and statutory provisions, hereby presents its shareholders with quarterly financial information for the period ended March 31, 2022. The information, except where otherwise indicated, is expressed in Brazilian local currency (in thousands of Reais) and was prepared with basis on accounting practices established by the Brazilian corporate law, rules and instructions of the National Monetary Council (CMN) and the Central Bank of Brazil (Bacen), when applicable.

We are a digital platform aiming to simplify the lives of our clients. We started our journey in 1994 and since 2015 we are one of the main agents in the modernization of the Brazilian banking industry, offering a disruptive value proposition with a new bank concept. We currently offer an extensive portfolio of financial and non-financial services and products through our Super App. Our more than 27 years of our experience in the Brazilian banking industry have provided credibility to provide quality services and products in a heavily regulated market. Concurrently, the fintech essence provided a modern, agile, scalable and digital business model to Inter, meeting the client demands and growth strategies in the best way possible.

Since the digitalization of our business model in 2015, we have managed to diversify our revenues, increasing the relevance of service revenues. Furthermore, the structure of a digital retail bank contributes to a low funding cost model, which is more resilient and dispersed among our account holders.

The products that today comprise the Inter ecosystem are integrated and completely interconnected, offering options to clients such as: current account, loans and financing, investments, consortia, foreign exchange, insurance, in addition to the possibility of buying products in the main retail stores within the country, through Inter Shop, our digital shopping mall, all in a single application, simply and quickly.

In the quarter ended March 31, 2022, we surpassed the mark of 18 million clients, which is equivalent to 93% growth in the period. Our NPS reached 83 points, reaching the excellence zone and over 1.5 billion logins to our app were made during the first quarter of 2022.

The balance of loan operations reached R$18.3 billion, accounting for a positive change of 5.8% over December 31, 2021. The real estate secured loan portfolio exceeded R$ 5.2 billion, accounting for a growth of 4.0% compared to December 2021, when its balance was R$ 5.0 billion. The individual loan portfolio, which includes payroll loan and credit card portfolios, reached R$ 11.4 billion, recording a growth of 9.2% compared to December 31, 2021, when it totaled R$ 10.4 billion.

Total funding amounted to R$ 23.2 billion, 6.3% higher than the amount of R$ 21.8 billion recorded on December 31, 2021.

We present consolidated net income (loss) for the quarter ended March 31, 2022, of R$ 27.5 million, which represents an increase of R$ 6.7 million when compared to the quarter ended March 31, 2021. The difference in net income between the periods is due to the increase in revenues from loan operations and by the increase in transactions carried out on our Marketplace.

The Gross Income from Financial Intermediation reached R$ 544.5 million, recording an increase of R$ 238.9 million compared to the amount recorded in the same period in 2021. As a positive highlight, we can mention the results with loan operations, reaching the amount of R$ 485.0 million, with a growth of 70.1% when compared to the quarter of 2021, and with securities and derivative financial instruments, reaching the amount of R$ 351.3, growth of 301.2% compared to the same year of 2021.

Administrative and personnel expenses incurred in the quarter ended March 31, 2022 totaled R$ 465.3 million, an increase of R$ 180.2 million in relation to the same period of 2021, a growth explained by the volume of operations, expansion of services and products offered, in addition to the exponential growth of the client base.

Total assets reached R$ 38.6 billion in the quarter ended March 31, 2022, a 5.9% growth compared to December 2021.

Shareholders’ equity totaled R$ 8.5 billion, showing a decrease of R$ 55.7 million when compared to December 31, 2021, explained by the marking of asset markets, reflected in other comprehensive income.

Inter closed the period as of March 31, 2022 with a Basel Ratio of 35.7%, maintaining a solid capital structure to maintain the growth rates.

The Investment Grade rating assigned by the specialized rating agencies Fitch Ratings and Standard & Poor's, with long-term national scale ratings of “A-(bra)” and “brAA”, respectively, proves Inter’s adequate liquidity position and comfortable capitalization level. We also highlight the change in the rating assigned by Standard & Poor's as of July 2021, which raised Inter’s rating scale to “brAA+”, and the change in the outlook rating by the Fitch Ratings from negative to positive. The branches highlight the improvement in credit quality, the mitigation of the risks of maturity mismatches, the important advances in the cross-selling of products and in the autonomy of fundraising, reflecting the benefits of the exponential growth of the client base in recent years.

Pursuant to Article 8 of Bacen Circular 3068/01, Inter declares its intention and ability to hold R$ 963.0 million in the “Held to maturity securities” category.

Inter’s Executive Board declares that it has discussed, reviewed, and agrees with the opinions expressed in the independent auditor’s report, and reviewed, discussed and agrees with financial information for period as of March 31, 2022.

In accordance with CVM Instruction 381, Inter informs that other services engaged in addition to audit services of its quarterly financial information do not interfere in the policy adopted fulfills the principles that preserve the independence of the auditor, in accordance with criteria accepted worldwide, which are that the auditor shall not audit his own work, or exercise management roles at his client or promote the interests thereof.

We would like to thank our shareholders, clients and partners for their trust, as well as each of our employees who build our history daily.

Individual and consolidated balance sheets as of March 31, 2022 and December 31, 2021

Banco Inter S.A. (“Bank”, “Inter” or “Group”) is a publicly-held company operating as a multiple-service bank based on a digital platform, as authorized by the Central Bank of Brazil and pursuant to applicable Brazilian legislation. Inter’s objective is to operate as a digital multi-service bank for individuals and companies, and among its main activities are real estate loans, payroll loans, loans for companies, rural loans, credit card operations, current account services, foreign exchange rate, investments, insurance, as well as a marketplace of non-financial services provided by means of its subsidiaries. The operations are conducted within the context of the Inter companies, working in the market in an integrated manner.

This quarterly financial information has been prepared in accordance with the brazilian accounting practices applicable to the institutions authorized to operate by the Central Bank of Brazil (Bacen), and are in accordance with the accounting guidance issued by Law 4595/64 (Brazilian Financial System Law), Corporation Law, including the changes introduced by Law 11638, dated December 28, 2007 and Law 11941, dated May 27, 2009, to calculate the operations, in accordance with, when applicable, the standards and instruction of National Monetary Council (CMN), Brazilian Securities and Exchange Commission (CVM).

CMN Resolution 4966 was published in November 2021 and addresses the accounting concepts and criteria applicable to financial instruments, as well as for the designation and recognition of hedging relationships (hedge accounting) seeking the convergence of the accounting criterion of the COSIF for the requirements of the international standard of IFRS 9. The Resolution becomes effective on January 1, 2025.

CMN Resolution 4975 was published by the Central Bank of Brazil in December 2021 and establishes compliance with the Technical Pronouncement of the Accounting Pronouncements Committee (CPC) 06 (R2) – Leases, in the recognition, measurement, presentation, and disclosure of leasing operations, which becomes effective on January 1, 2025.

As of January 1, 2022, CMN Resolutions 4818 and BCB 02 came into force, providing for the adoption of the International Accounting Standards (IFRS) for institutions that disclose or publish consolidated financial statements, voluntarily or by virtue of legal, regulatory, statutory or contractual provisions. It also applies to the consolidated financial statements for periods of less than one year.

Pursuant to Article 77 of Resolution 4966, the institutions mentioned in Article 1 of the same Resolution are allowed to prepare and disclose consolidated financial statements in accordance with the Accounting Standard for Institutions Regulated by the Central Bank of Brazil (Cosif).

In the preparation of the individual and consolidated financial information, equity interests, relevant balances receivable and payable, revenues and expenses arising from transactions between subsidiaries, and unrealized results between these companies were eliminated, and the interest of minority shareholders was recorded in the income (loss) and shareholders’ equity.

The individual and consolidated financial information prepared based on the international accounting standard issued by the International Accounting Standards Board (IASB) for the period ended March 31, 2022, will be disclosed, within the legal term, at https://ri.bancointer.com.br.

Banco Inter, together with the market and the Central Bank, has already started the impact assessments and necessary changes to meet its implementation, and assessments on the identification and treatment of expected impacts.

Management hereby declares that the disclosures made in Inter’s individual and consolidated financial information shows all the relevant information used in its management and that the accounting practices described have been consistently applied between the periods.

The issue of quarterly financial information was authorized by the Board of Directors during a meeting held on May 16, 2022.

The preparation of this quarterly financial information, Management used judgments, estimates and assumptions that affect the application of policies of the Bank, and the reported amounts of assets, liabilities, revenues and expenses. Actual results may differ from these estimates.

Information about judgment referring to the adoption of accounting policies which impact significantly the amounts recognized in the quarterly financial information is included in the following notes:

Estimates and assumptions are reviewed on a continuous basis. Reviews of estimates are recognized on a prospective basis. Information on uncertainties as to assumptions and estimates that pose a high risk of resulting in a material adjustment within the next quarter as of March 31, 2022 is included in the following notes:

The following table presents the subsidiaries/funds included in the consolidated quarterly financial information for the period:

Inter controls an entity when it is exposed to, or has a right over, the variable returns arising from its involvement with the entity and can affect those returns exerting its power over the entity. The quarterly financial information of subsidiaries is included in the consolidated quarterly financial information as of the date on which Inter obtains control until the date on which control ceases to exist.

In the individual and consolidated quarterly financial information, when required, the individual quarterly financial information of the subsidiaries is recognized under the equity method.

The Group’s investment in entities numbered by the equity method is comprised of its participations in associated companies.

Associated companies are the entities in which Inter has, directly or indirectly, significant influence but not control or jointly-control on financial and operating policies. To be classified as a jointly controlled entity, there must be a contract allowing Inter to have shared control over the entity and giving Inter rights over net assets of the jointly owned entity, and not rights over its specific assets and liabilities.

Such investments are initially recognized by the cost, which includes expenses with transactions. After initial recognition, quarterly financial information includes Inter’s interest in investees net income or loss for the year and other comprehensive income up to the date in which significant influence or joint control no longer exists. In individual quarterly financial information of the parent company, investments in subsidiaries are also accounted for using such method.

Business combinations are recorded using the acquisition method when the set of activities and acquired assets addresses the definition of a business and the control is transferred to Inter. When determining whether a set of activities and assets is a business, Inter assesses whether the set of assets and activities acquired includes, at least, an input and a substantive process that together contribute significantly to the ability to generate output.

Inter has the option of applying a “concentration test” that allows a simplified assessment if a set of acquired activities and assets is not a business. The optional concentration test is met if, substantially, the entire fair value of the gross assets acquired is concentrated in a single identifiable asset or group of similar identifiable assets.

The consideration transferred is usually measured at fair value, as well as the identifiable net assets acquired. Any goodwill arising from the transaction is evaluated for impairment loss. Gains in a bargain purchase are immediately recognized in profit or loss. Transaction costs are recorded in profit or loss as incurred, except the costs related to the issue of debt or equity instruments.

Transferred consideration does not include amounts referring to payment of pre-existing relations. These amounts are usually recognized in income (loss) for the period.

Any contingent consideration payable is measured at its fair value on acquisition date. If the payment is classified as an equity instrument, it is not remeasured and the liquidation is recorded in shareholders equity. The remaining contingent consideration is remeasured at fair value on each reporting date, and subsequent changes in fair value are recorded in the income statement for the period.

On January 14, 2022, Inter closed the transaction for the acquisition of 100% of the capital of the subsidiary Pronto Money Transfer Inc. (USEND). On January 25, the transaction was authorized by the Secretary of State of the State of California, and the acquisition by Inter was successfully completed. USEND is a U.S. company with 16 years of experience in the field of foreign exchange and financial services, offering, among other products, a digital Global Account solution to carry out money transfers between countries. It has licenses to act as a Money Transmitter in more than 40 US states, and can offer services such as digital wallet, debit card, bill payment, among others, to US residents. Its base of more than 150,000 clients also has access to purchase gift cards and recharge cell phones. With the acquisition of USEND, Inter started its financial activities in the United States, expanding its offer of financial and non-financial products both for U.S. residents and its Brazilian clients, integrating the solutions of the acquired company with the Inter's platform. USEND brought to Inter a portfolio of cross-border products already in operation, in addition to the infrastructure, licenses, and experience in the United States and Brazil necessary to enter this market, including the Global Account Inter.

The fair value of identifiable assets and liabilities of USEND at the acquisition date is as follows:

Inter incurred acquisition-related costs of R$ 5,821 on attorney’s fees, audit and due diligence costs. Attorney’s fees and costs of due diligence were recorded as “Administrative expenses” in the statement of income.

On December 20, 2021, Inter (Marketplace) acquired Inter Café, a company that provides cafeteria services with the sale of food prepared for consumption on site.

The price paid for the acquisition of the company “Inter Café” was R$ 10 at fair value, paid in one installment.

On December 20, 2021, Marketplace acquired Inter Boutiques, a non-specialized out-of-store trade via the internet, providing intermediation of services and business in general; The retail trade carried out in department stores and interest in other companies, as a partner, shareholder or quota holder.

This new investment has online and offline experiences throughout Brazil. This acquisition complements the service provision segment for the sale of goods on the digital platform offered by Marketplace.

The price paid for the acquisition of the company “Inter Boutiques” was R$ 10 at fair value, paid in one installment.

On July 1, 2021, Inter acquired IM Designs, a company specialized in developing 3D tools for the creation of visualization projects for indoor and outdoor environments, through virtual reality (VR), augmented reality (AR) and mixed reality (XR).

Thinking about the potential of new technologies and their applications in the market, Inter acquired IM Designs to bring more innovative products and services to the super app.

The price paid for the acquisition of the company “IM Designs” was R$ 15,000.

Inter engaged an independent valuation service to prepare the study for the purchase price allocation (“PPA”) in the identifiable assets acquired, liabilities assumed and goodwill. However, up to the date of presentation of quarterly financial information, the study is still in the preparation phase and should be completed and account for its effects by the end of 2022.

On a provisional basis, the differences between the amounts paid in the acquisition total R$ 15,000, of which R$ 10,000 has already been paid and another R$ 5,000 is payable. The amounts of net assets (R$ 3,257) in the investees were allocated as goodwill at Inter, in the amount of R$ 11,743.

On April 13, 2021, Inter obtained control of “Duo Gourmet”, engaged in offering a benefits program via app to consumers and restaurants through the Duo Gourmet brand, by acquiring 70% of the shares of the voting capital of such entity.

With the transaction, the Duo Gourmet operation will be developed by a new subsidiary of Inter Marketplace, Inter Food S.A., and will rely on the experience brought by the founding partners of the Duo Gourmet brand, a platform already consolidated in a loyalty program in the food market, operating in 14 cities in 10 Brazilian States and many partner restaurants.

This new investment, combined with the recently announced partnership with Delivery Center, strengthens the value proposition for the clients and consolidates Inter Shop’s food vertical, which will now have online and offline experiences throughout Brazil.

The acquisition price of the company “Duo Gourmet” was R$ 3,810, of which R$ 2,810 in the form of payment to the partners and R$ 1,000 as capital contribution to the investee.

Inter engaged an independent valuation service to prepare the study for the purchase price allocation (“PPA”) in the identifiable assets acquired, liabilities assumed and goodwill. However, up to the date of presentation of this quarterly financial information, the study is still in the preparation phase and should be completed and account for its effects in 2022.

On a provisional basis, the differences between the amounts paid in the acquisitions and the values of the net assets in the investees were allocated as goodwill on Inter Marketplace.

(iv.1.6) Acquisition of subsidiary Acerto Cobrança e Informação Cadastral S.A.

On February 12, 2021, Inter obtained equity control of Acerto Cobrança e Informação Cadastral S.A. (“Meu Acerto”), focused on debt renegotiation, collection, reactivation, retention of client bases and upselling, by acquiring 60% of the shares of the voting capital of that entity.

The acquisition of control of Meu Acerto intends to strengthen Inter’s collection activity, accelerating the evolution of the Winback model, which comprises the Reactivation and Retention pillars of client bases, in addition to upselling, aiming to bring competitive advantages relevant not only for Inter, but also for several players operating in the digital market.

The acquisition price of Meu Acerto was R$ 45,000, of which R$ 25,000 in the form of payment to the partners (R$ 7,250 paid in cash and R$ 17,750 to be paid in two installments, in 2022 and 2023, adjusted by the CDI rate), as well as R$ 20,000 in the form of a capital contribution to the investee.

Inter engaged an independent valuation service to prepare the study for the purchase price allocation (“PPA”) in the identifiable assets acquired, liabilities assumed and goodwill.

The table that follows summarizes the assets acquired and liabilities assumed on the acquisition date.

Inter incurred acquisition-related costs on attorney’s fees and due diligence costs. Such costs were recorded as “Administrative expenses” in the statement of income.

(iv.2.1) Acquisition of investment in associated company - BMG Granito Soluções em Pagamento S.A.

On March 5, 2021, Inter concluded the acquisition of a 45% equity interest in BMG Granito Soluções em Pagamento S.A. (“Granito”). The interest in Granito is part of Inter’s strategy to acquire new companies with a strong technological basis and innovative profile.

Founded in 2015, Granito operates in the payment capture sector (acquisition), developing customized products for its clients.

The acquisition price of the investment in the company “Granito” was R$ 90,000, in the form of a capital contribution to the investee.

On a provisional basis, the differences between the amounts paid in the acquisitions and the values of the net assets in the investees were allocated as goodwill (See Note 14).

Inter accounts for the portion related to non-controlling interest under shareholder’s equity in the consolidated balance sheet. In the purchase transactions of non-controlling interest, the difference between the amount paid and the interest acquired is recorded in income (loss) for the period.

Income or loss attributable to non-controlling shareholders is presented in the consolidated statement of income as income or loss attributable to non-controlling shareholders.

Balances and transactions between companies of Inter, including any unrealized gains or losses arising from intercompany transactions, are eliminated in the consolidation process. Unrealized losses are eliminated in the same way as unrealized gains, but only up to the point where there is evidence of loss due to impairment.

The quarterly financial information was prepared based on the historical cost, except for certain financial instruments measured at its fair values, as described in the following accounting practices. The historical cost is usually based on the fair value of consideration paid in exchange of non-financial assets and under the interest effective rate method for financial instruments which are not measured at fair value.

This quarterly financial information is presented in Brazilian reais, Inter’s functional currency. All quarterly financial information presented in Brazilian reais has been rounded to the nearest thousand, unless otherwise indicated.

Transactions in foreign currency are translated into the respective functional currency (Real) at the exchange rate on the transaction date.

Monetary assets and liabilities denominated and calculated in foreign currency are translated into the functional currency (Real) at the exchange rate on the date. Non-monetary assets and liabilities denominated in foreign currency that are measured at fair value are translated into the functional currency (Real) at the foreign exchange rate on the date the fair value was disclosed. Non-monetary items that are measured based on the historical cost in foreign currency are translated using the rate of the transaction date. Exchange differences arising from the conversion are charged to income.

Revenues and expenses are recorded under the accrual method and are recognized in profit and loss, simultaneously, regardless of receipt or payment. Formal transactions with fixed rate financial charges are updated on a daily pro rata basis, based on the variation of the respective agreed ratios, and transactions with fixed rate financial charges are recorded at the redemption value, restated for unearned income or expenses corresponding to the future period. Transactions pegged to foreign currencies are restated up to the balance sheet date under current tax criteria.

Cash and cash equivalents include cash, bank deposits, money market repurchase commitments an in interbank deposits, highly liquid short-term investments with a negligible risk of change in values and limits, maturity date equal or lower than 90 days, on acquisition date, which are used by Inter to manage its short-term commitments.

Interbank funds applied are recorded at acquisition cost, including income earned up to the balance sheet date, less provision for devaluation losses, when applicable.

Securities are registered and classified in accordance with Bacen Circular Letter 3068/01, which establishes the criteria for assessing and accounting for these securities. Inter has securities classified as:

Securities classified in the available for sale categories, as well as derivative financial instruments are shown in the consolidated balance sheet at their estimated fair value.

The fair value is generally based on market price quotes or market price quotes for assets or liabilities with similar characteristics. If these market prices are not available, the fair values are based on quotes from market operators, pricing models, discounted cash flow or similar techniques, for which the determination of the fair value may require judgment or significant estimate by management.

Derivative financial instruments are valued at market value in the monthly trial balances and balance sheets. Increases or decreases in value are recorded in revenue or expense accounts of the respective financial instruments.

The mark-to-market methodology of derivative financial instruments was established considering the average price of trading on the date of calculation, or, in the absence thereof, conventional and proven methodologies, pricing models that reflect the net realizable value, according to derivative characteristics.

Transactions are recorded at fair value considering the mark-to-market methodologies adopted by Inter. Moreover, their adjustment may be recorded in income (loss) or shareholders’ equity, depending on the classification between accounting hedge, its categories and economic hedge.

Derivative financial instruments used to offset, in whole or in part, the risks arising from exposure to changes in market value or in cash flow of assets or financial liabilities, commitment or predicted future transaction, are considered hedge instruments and are classified according to their nature as:

For derivatives classified in the accounting hedge category, the effectiveness of the strategy is monitored, through prospective and retrospective effectiveness tests, and the mark-to-market of the hedging instruments.

Securities classified in the trading, available for sale category, as well as derivative financial instruments, are shown in the balance sheet at their estimated fair value. The fair value is generally based on market price quotes or market price quotes for assets or liabilities with similar characteristics. If these market prices are not available, the fair values are based on quotes from market operators, pricing models, discounted cash flow or similar techniques, for which the determination of the fair value may require judgment or significant estimate by management.

Government bonds securities are held in custody at the Special System of Settlement and Custody - SELIC and contracts of derivatives and private securities are recorded at B3 S.A. – Brasil, Bolsa, Balcão.

Formed, basically, by loans and financing bearing fixed or floating rates. They are stated at realizable values, including income earned based on the evolution of the contractual terms of the operations, and are classified in the respective risk levels, observing: (i) the parameters established by CMN Resolution 2682/99, which requires its classification in one of nine levels (from “AA” to “H” - maximum risk); and (ii) Management's assessment of the risk level.

Such assessment, carried out periodically, considers the economic situation, past experience and specific and global risks regarding operations, debtors and guarantors. Moreover, the default periods defined in CMN Resolution 2682/99 are also considered, for the assignment of client rating levels as follows:

The restatement of loan operations overdue up to the 59th day is recorded in revenues from loan operations and, as of the 60th day, in unearned income, and will only be appropriated to income (loss) when they are received.

Renegotiated operations are maintained, at a minimum, at the same level at which they were rated. Renegotiations of loans that had already been written off against provision that were in memorandum accounts are rated as level H and any gains from renegotiation are only recognized as revenue when effectively received.

Operations in arrears classified as level “H” remain in this classification for six months, when they are then written off against the existing provision and controlled in a memorandum account for at least five years. For operations with a maturity of more than 36 months, double counting of the delay periods described above is allowed.

The provision for losses associated with credit risk is calculated in an amount sufficient to cover potential losses, in accordance with the rules and instructions of the Central Bank of Brazil, based on assessments carried out by Management in the determination of credit risks, defined based on consistent and verifiable criteria, supported by internal and external information.

To determine the amount to be provisioned, the assessment of the rating of a contract consists of a joint analysis of the economic and financial capacity of the counterparty, the respective behavior of the counterparty with Inter and the market, as well as the guarantees involved in the transaction. In this case, at first, the provision is based on the potential exposure at the time of default, weighted by (i) the probability of default and (ii) potential loss in the event of default.

Additionally, guarantees are also used to determine the carryover criterion (contamination) of rating (credit risk) between different operations of the same client. Thus, for example, a real estate loan agreement (which has collateral security) and a coverage ratio (guarantee) greater than 100% is not contaminated by any default on the credit card.

Basically comprised by non-operating assets and prepaid expenses. Non-operating assets corresponding to properties available for sale are classified as goods received in kind and recorded at the book value of the loan or financing, or at the appraised value of the real estate, whichever is lower.

Prepaid expenses correspond to investments of funds whose resulting benefits will occur in future periods.

Investments are valued under the equity method when there is control or significant influence in the Management. In the absence of significant control or influence, investments are recorded at acquisition cost. A provision for impairment loss is recognized in the income (loss) for the period when the book value of an investment, including the goodwill, exceeds its recoverable value.

Corresponds to the rights relating to intangible assets intended for the maintenance of activities or exercised for this purpose, including those resulting from operations that transfer the risks, benefits and control of the assets to the entity.

Items of property, plant and equipment are measured at cost less accumulated depreciation and accumulated impairment losses, when applicable. Depreciation is calculated using the straight-line method, based on the following annual rates: furniture and equipment in use and communication system, 10% and data processing systems, 10%.

Intangible assets correspond to the rights that refer to incorporeal personal property intended for the maintenance of the Company or exercised with this purpose. It is mainly comprised of: (i) Rights of use, amortized according to the terms of the contracts or as the economic benefits flow to the company; and (ii) Software and internally generated intangible assets amortized over up to 10 years.

Intangible assets with defined useful life are amortized on a straight-line basis over their estimated useful lives. Inter has no intangible assets with undefined useful life on March 31, 2022.

Financial and non-financial assets are evaluated to verify if there is objective evidence that a book value was impaired.

Objective evidence that financial assets were impaired can include default or delinquency by a debtor, indications of bankruptcy or even a material or extensive decline in the amount of the asset.

Impairment loss of a financial or non-financial asset is recognized in income for the year if book value of the asset or cash generating unit exceeds its recoverable value.

Inter assesses whether there is an indication of asset impairment and, if there is evidence of impairment, the asset's recoverable amount is estimated and compared with the book value. The recoverable value is the greater of the fair value less selling costs and its value in use.

The recognition, measuring and disclosure of contingent assets, contingent liabilities and legal obligations are carried out according to CMN Resolution 3823/09 as the following criteria:

Provisions and/or contingent liabilities are classified as: (a) probable, for which provisions are formed; (b) possible, which are only disclosed without being provisioned; and (c) remote, provision and disclosure are not required. Contingency amounts are defined using models and criteria that allow proper measurement, despite uncertainties inherent to terms and amount.

Regarding the measurement basis of provisions, the entity considers, the best estimate of the disbursement required to settle the present obligation at the balance sheet date, considering the risks and uncertainties involved. Where relevant, the financial effect produced by the discount at present value of future cash flows required to settle the obligation; and future events that may change the amount required to settle the obligation.

The provision for civil, tax and labor risks is recorded in quarterly financial information when, based on the opinion of the legal advisors and the risk of loss of a lawsuit or administrative proceeding is considered probable, with a probable outflow of financial resources for the settlement of obligations and when the sums involved are reliably measured, and quantified upon summon/judicial notification and monthly reviewed monthly.

For cases related to causes considered similar and usual, whose value is not considered material, the mass method is used, which considers a statistical parameter. Civil provisions are recorded based on the historical average ticket of convictions in the last 24 months; and labor provisions are recorded based on the historical average ticket of convictions in the last 36 months.

We consider the lawsuits already judged and the historical value of convictions as the calculation basis. Thus, we project the average ticket for all lawsuits in progress where there is a possibility of outflow of funds assuming a reliable estimate.

Legal, tax and social security obligations arise from tax obligations provided for in the law which, regardless of the likelihood of success of lawsuits, have their amounts recognized (when applicable) in full in the financial information.

The provisions for Income Tax, Social Contribution, PIS/PASEP, COFINS and ISS, recorded at the following rates, considered the calculation bases provided for in the legislation in force for each tax:

Deferred tax assets (tax credits) and deferred tax liabilities are recognized through the application of prevailing tax rates on respective bases. For the formation, maintenance and write-off of tax credits on temporary differences will be realized upon the use and/or reversal of the respective provisions on which they were formed. The tax credits on tax loss and negative basis of social contribution tax will be realized in accordance with the generation of taxable income, with a limit of 30% of the taxable income of the base period.

Provisional Measure 1034, effective as of March 1, 2021, increased the rate of the Social Contribution on Net Income (CSLL) for banks by 5%, totaling 25% until December 31, 2021. Such increase resulted in an adjustment to the balances of deferred CSLL assets and liabilities used based on the new rules taking effect as of July 1, 2021, in compliance with the constitutional principle of a 90-day period. However, considering the expiration of the aforementioned legislation, the tax credits related to the increase in the CSLL rate were written-off on December 31, 2021, so that they are recorded at the rate expected for their realization, 20%.

Current tax expense is the tax payable or receivable on the taxable income or loss for the year and any adjustments to taxes payable in relation to prior years. The amount of current taxes payable or receivable is recognized in the balance sheet as an asset or tax liability under the best estimate of the expected amount of taxes to be paid or received reflecting the uncertainties related to its calculation, if any. It is measured based on tax rates enacted at the balance sheet date.

Deferred tax assets and liabilities are recognized in relation to the temporary differences between the book values of assets and liabilities for quarterly financial information and used for taxation purposes. The changes in deferred assets and liabilities for the year are recognized as deferred income and social contribution tax expense. Deferred taxes are not recognized for:

A deferred tax asset is recognized for unused tax losses, tax credits and unused deductible temporary differences, to the extent that it is probable that future taxable income will be available against which the credits can be utilized. Deferred tax assets are reviewed at each balance sheet date and reduced when their realization is no longer probable.

Deferred tax assets and liabilities are measured at tax rates expected to be applied to temporary differences when they are reversed, based on rates decreed up to the balance sheet date.

The measurement of deferred tax assets and liabilities reflects the tax consequences arising from the way in which Inter expects to recover or settle its assets and liabilities.

They are stated at known or calculable amounts, plus, when applicable, the corresponding charges, adjusted at present value.

An event subsequent to the period to which the quarterly financial information refers is that event, favorable or unfavorable, that occurs between the end date of the period to which quarterly financial information is related and the date on which the issue of this information is authorized. There are two kinds of events:

Inter prepares, in a spontaneous manner, the statement of added value under the terms of Technical Pronouncement CPC 09 - Statement of Added Value, which is presented as part of quarterly financial information.

Inter's basic earnings per share are calculated by dividing net income attributable to shareholders by the weighted average number of outstanding common and preferred shares held by shareholders in the period.

The calculation of diluted earnings per share are based on net income attributed to common and preferred shareholders and the weighted average of common shares outstanding and in the period after adjustments for all potential dilutive shares.

The fair value of share-based payment agreements is recognized at the grant date, as expenses, with a corresponding increase in shareholder’s equity, over the period when employees become unconditionally entitled to the premiums.

Inter’s internal policies consider as recurring and non-recurring the results arising or not from the operations carried out in accordance with Inter’s corporate purpose provided for in its Bylaws; that is, “the practice of active, passive and ancillary operations and authorized services to multiple banks with commercial, investment, loan, financing, investment and lease portfolios, including foreign exchange, and the management of the securities portfolio, as well as holding interests in other companies, pursuant to the legal and regulatory provisions applicable to its type of financial institution”.

In addition, Inter's management considers as non-recurring income those that are not expected to occur in the following 2 years. In compliance with the regulation, it is worth highlighting that, of the net income of R$ 27,470 for the quarter ended March 31, 2022, R$ 1,883 were recorded as non-recurring income, and R$ 21,838 as recurring income, net of taxes. The net results for the quarters ended March 31, 2021, in the amount of R$ 20,837, were obtained exclusively based on recurring results.

The segment reporting was prepared considering the criteria used by the main operational decision maker in the performance evaluation, in the decision making regarding the allocation of funds for investment and other purposes, considering the regulatory environment and the similarities between products and services.

Inter’s operations are basically divided into the following segments: banking, securities distribution, insurance brokerage, marketplace, asset management, service provision, among others.

The measurement of management results by segments considers all revenues and expenses calculated by the companies that make up each segment, as presented below. There are no common revenues or expenses allocated among the segments by any distribution criteria. When applicable, such inter-segment transactions are practiced on terms and at rates compatible with values practiced with third parties. Said operations do not involve abnormal receipt risks.

The banking segment is responsible for a substantial portion of Inter’s income, and comprises a wide range of products and services, such as current accounts and cards, deposits, loans and advances to clients and provision of services, which are made available to clients mainly through the Inter app.

This segment is essentially responsible for operations inherent to the purchase, sale and custody of securities, structuring and distribution securities in the capital market and management of investment funds (institution, organization, custody). Revenues arise mainly from commissions and management fees charged to investors for providing these services.

In this segment, products and services are offered (sale of products and services from partner insurance companies), related to guarantees, life, property and automobile insurance, consortia, pension plans, among others. The revenues from insurance brokerage commissions are recognized when the performance obligation is fulfilled. Revenues comprise the consideration received or receivable for the service provision.

In this segment, sales of goods and/or services are offered through a digital platform for partner companies. Segment revenues mainly comprise commissions received from the sales and/or provision of such services.

Mainly composed of operations inherent to the management of fund portfolios and other assets (purchase, sale, risk management). Revenues arise mainly from commissions and management fees charged to investors for providing these services.

This segment offers collection activities and registration information, development and licensing of customizable software, development and licensing of non-customizable software, technical support, maintenance, development of custom software, web design, data processing, internet hosting service providers, and other information technology services.

Comprises the segments of real estate investment funds and private credit fixed income.

Management report			3

Independent auditors’ report on the individual and consolidated quarterly financial information			6

Individual and consolidated balance sheets			8

Individual and consolidated statements of income			10

Individual and consolidated statements of comprehensive income			11

Individual and consolidated statements of cash flows			12

Individual and consolidated statements of changes in shareholders’ equity			13

Individual and consolidated financial statements of added value			14

Notes to the individual and consolidated quarterly financial information			15

			Parent company						Consolidated
	Note		03/31/2022			12/31/2021			03/31/2022			12/31/2021
Assets

Cash and cash equivalents		5		501,525			464,337			730,309			464,853

Financial instruments				34,955,803			34,417,320			35,350,238			34,644,204

Marketable securities		6		1,830,775			1,775,549			1,880,794			1,765,242

Securities		7		12,475,328			12,992,564			12,336,954			12,759,290

Derivative financial instruments		8		3,966			4,297			10,409			86,948

Interbank accounts - assets		9		2,729,569			2,720,395			2,729,569			2,720,395

Interbank Investments - assets				-			1,278			1			1,279

Loan portfolio		10		17,365,852			16,542,093			17,653,931			16,785,083
Loan operations				11,432,749			10,906,428			11,721,138			11,149,717
Other credits with and without credit granting characteristic				6,614,203			6,164,898			6,614,203			6,164,898
Provision for expected losses associated with credit risk				(681,100	)		(529,233	)		(681,410	)		(529,532	)

Other financial assets		11		550,313			381,144			738,580			525,967

Deferred tax assets		12		606,316			521,738			610,066			524,210

Investments		14		1,345,003			389,862			79,172			77,901
Investments in subsidiaries’ interest				1,265,831			311,961			-			-
Investments in interest in associated companies				69,663			76,750			69,663			76,750
Other investments				9,509			1,151			9,509			1,151

Property, plant and equipment				35,535			34,253			42,980			36,150
Property, plant and equipment for use				56,447			53,828			64,685			56,358
(Accumulated depreciation)				(20,912	)		(19,575	)		(21,705	)		(20,208	)

Intangible assets		15		342,630			297,289			1,306,741			421,156
Intangible assets				469,952			393,125			1,448,737			530,722
(Accumulated amortization)				(127,322	)		(95,836	)		(141,996	)		(109,566	)

Other assets		13		338,265			308,841			365,884			313,532

Total assets				38,125,077			36,433,640			38,485,390			36,482,006

			Parent company						Consolidated
	Note		03/31/2022			12/31/2021			03/31/2022			12/31/2021
Liabilities

Deposits and other financial liabilities				29,674,884			27,923,319			29,950,419			27,897,520

Deposits		16 a		18,944,492			18,534,977			18,878,677			18,213,184
Demand deposits				9,696,859			10,019,395			9,635,118			9,932,959
Savings deposits				1,215,061			1,230,039			1,215,061			1,230,039
Time deposits				7,894,003			7,157,418			7,889,929			6,922,061
Interbank deposits				138,569			128,125			138,569			128,125

Money market borrowings				1,239,139			1,151,344			1,239,141			1,317,844

Acceptances and endorsements		16b		4,323,118			3,598,194			4,280,956			3,572,093

Interbank accounts - liabilities		9		4,515,822			3,876,964			4,515,822			3,876,964

Interbranch accounts - liabilities				23,517			18,527			23,518			18,528

Borrowings and domestic onlendings				32,836			24,877			33,001			25,071

Derivative financial instruments		8		76,042			66,472			76,042			66,549

Other financial liabilities		17		519,918			651,964			903,262			807,287

Provisions		20		22,024			21,682			22,024			21,682

Total liabilities				29,696,908			27,945,001			29,972,443			27,919,202

Capital				8,655,706			8,655,705			8,655,706			8,655,705
Capital reserve				14,822			11,566			14,822			11,566
Profit reserve				55,062			76,118			55,062			76,118
Other comprehensive income				(254,867	)		(212,195	)		(254,867	)		(212,195	)
Treasury shares				(42,554	)		(42,555	)		(42,555	)		(42,555	)
Total shareholders' equity of controlling shareholders		21		8,428,169			8,488,639			8,428,169			8,488,639
Non-controlling interest				-			-			84,779			74,165
Shareholders’ equity				8,428,169			8,488,639			8,512,948			8,562,804

Total liabilities and shareholders’ equity				38,125,077			36,433,640			38,485,390			36,482,006

			Parent company						Consolidated
	Note		03/31/2022			12/31/2021			03/31/2022			12/31/2021
Loan operations		10g		471,277			283,354			485,016			285,193
Income from Foreign Exchange Operations				8,827			2,859			8,827			2,859
Income (loss) from interbank funds applied		6b		25,310			6,420			26,053			6,420
Income (loss) from securities and derivative financial instruments		7c		344,502			87,687			344,942			87,556
Income (loss) from derivative financial instruments		8d		17,501			(20,251	)		16,469			(20,251	)
Financial intermediation revenues				867,417			360,069			881,307			361,776

Money market repurchase agreements				(336,448	)		(56,744	)		(336,388	)		(55,777	)
Loan operations and onlendings				(380	)		(378	)		(380	)		(378	)
Financial intermediation expenses				(336,828	)		(57,122	)		(336,768	)		(56,155	)

Gross income (loss) from financial intermediation				530,589			302,948			544,539			305,622

Allowance for doubtful accounts		10 f		(243,952	)		(94,792	)		(243,963	)		(94,797	)
Income (loss) from provisions for loss				(243,952	)		(94,792	)		(243,963	)		(94,797	)

Revenues from services rendered		22		144,813			73,982			288,017			139,382
Personnel expenses		23		(128,637	)		(74,953	)		(145,121	)		(81,861	)
Other administrative expenses		24		(294,793	)		(188,068	)		(320,214	)		(203,256	)
Tax expenses				(38,335	)		(22,821	)		(56,406	)		(27,615	)
Equity in income of subsidiaries		14a		53,417			28,736			-			-
Equity in income of associated companies				(5,572	)		-			(5,572	)		-
Other operating revenues		25		50,948			32,223			74,333			40,649
Other operating expenses		26		(151,368	)		(67,579	)		(174,318	)		(76,999	)
Other operating revenues (expenses)				(369,527	)		(218,480	)		(339,281	)		(209,701	)

Operating income				(82,890	)		(10,325	)		(38,705	)		1,124

Other revenues				46,973			11,354			46,981			11,354
Other expenses				(5,476	)		(6,875	)		(7,267	)		(7,256	)
Other revenues and expenses		27		41,497			4,479			39,714			4,098

Income (loss) before tax on profit				(41,393	)		(5,846	)		1,009			5,221

Provision for income tax				-			(7,389	)		(23,111	)		(12,431	)
Provision for social contribution				-			(6,061	)		(10,102	)		(7,885	)
Deferred tax assets		19		58,396			34,168			59,674			35,932
Taxes and profit sharing				58,396			20,718			26,461			15,616

Income (loss) for the quarter				17,003			14,872			27,470			20,837

Interest of controlling shareholders										17,003			14,872
Minority interest in subsidiaries										10,467			5,966

Net earnings (losses) per share
Basic earnings per share - R$										0.00662			0.01953
Diluted earnings per share – R$										0.00661			0.01927

	Parent company						Consolidated
	3/31/2022			3/31/2021			3/31/2022			3/31/2021
Net income (loss) for the quarter		17,003			14,872			27,470			20,837
Other comprehensive income for the quarter
Items that can be subsequently reclassified to income (loss)
Income (loss) from fair value appraisal of securities available for sale		(58,182	)		(146,761	)		(58,182	)		(146,562	)
Income from exchange rate change		(10,672	)		-			(10,672	)		-
Tax effect		26,182			66,042			26,182			65,953

Total comprehensive income for the quarter		(25,669	)		(65,847	)		(15,202	)		(59,772	)
Allocation of comprehensive income
Controlling shareholders’ comprehensive income portion								(25,669	)		(65,847	)
Non-controlling shareholders’ income portion								10,467			6,075

Total comprehensive income for the quarter								(15,202	)		(59,772	)

								Profit reserve
	Note		Capital		Capital reserve			Profit legal		Profit statutory			Other comprehensive income			Retained earnings (loss)			Treasury shares			Total Bank’s shareholders' equity			Other comprehensive income			Non-controlling interests in shareholders’ equity of subsidiaries			Total shareholders’ equity
Balances at January 01, 2021				3,216,455		83,714			17,206		65,778			37,056			-			(117,521	)		3,302,688			(780	)		48,581			3,350,489

Capital increase				-		-			-		-			-			-			-			-			-			-			-
Cost for the issue of shares				-		-			-		-			-			-			-			-			-			-			-
Share-based payments				-		(670	)		-		-			-			-			-			(670	)		-			-			(670	)
Income (loss) for the period		21d		-		-			-		-			-			14,872			-			14,872			-			5,966			20,837
Proposed allocations:				-
Formation of legal reserve				-		-			-		-			-			-			-			-			-			-			-
Formation of profit reserve payable				-		-			-		4,499			-			(4,499	)		-			-			-			-			-
Interest on own capital				-		-			-		-			-			(10,373	)		-			(10,373	)		-			-			(10,373	)
Cost in the sale of treasury shares				-		(74,119	)		-		-			-			-			74,119			-			-			-			-
Income in the sale of treasury shares																				7,040			7,040			-			-			7,040
Acquisition of investment with non-controlling interest				-		-			-		-			-			-			-			-			-			(4,901	)		(4,901	)
Mark-to-Market				-		-			-		-			(80,719	)		-			-			(80,719	)		109			-			(80,610	)
Balances at March 31, 2021				3,216,455		8,925			17,206		70,277			(43,663	)		-			(36,362	)		3,232,838			(671	)		49,646			3,281,812

Balances at January 01, 2022				8,655,706		11,566			18,937		57,181			(212,195	)		-			(42,554	)		8,488,641			-			74,165			8,562,806
Share-based payments				-		3,256			-		-			-			-			-			3,256			-			-			3,256
Income (loss) for the period		21d		-		-			-		-			-			17,003			-			17,003			-			10,467			27,470
Proposed allocations:				-																												-
Formation of legal reserve				-		-			850		-			-			(850	)		-			-			-			-			-
Formation of profit reserve payable				-		-			-		16,153			-			(16,153	)		-			-			-			-			-
Interest on own capital				-		-			-		(38,059	)		-			-			-			(38,059	)		-			-			(38,059	)
Acquisition of investment with non-controlling interest				-		-			-		-			-			-			-			-			-			147			147
Mark-to-Market				-		-			-		-			(32,000	)		-			-			-			-			-			(32,000	)
Exchange variation adjustment				-		-			-		-			(10,672	)		-			-			(10,672	)		-			-			(10,672	)
Balances at March 31, 2022				8,655,706		14,822			19,787		35,275			(254,867	)		-			(42,554	)		8,428,169			-			84,779			8,512,948

		Interest in capital (%)
Direct subsidiaries	Line of business	Common Shares and/or Units	03/31/2022		12/31/2021
Pronto Money Transfer Inc. (USEND)	Rendering of services	16,000,000.00	100.0	%	0.0	%
Inter Marketplace Ltda.	Rendering of services	4,999,999	99.9	%	99.9	%
Inter Distribuidora de Títulos e Valores Mobiliários Ltda.	Securities distributor	24,583,333	98.3	%	98.3	%
Inter Asset Holding S.A.	Asset manager	267,074,209	70.0	%	70.0	%
Acerto Cobrança e Informações S.A.	Collection	100,000,000,000	60.0	%	60.0	%
Inter Digital Corretora e Consultoria de Seguros Ltda.	Insurance brokers	59,750	60.0	%	60.0	%
IM Designs Desenvolvimento de Software Ltda.	Rendering of services	100,000,000	50.0	%	50.0	%

		Interest in capital (%)
Controlled Funds	Line of business	Common Shares and/or Units		03/31/2022			12/31/2021
TBI Fundo de Investimento Multimercado Crédito Privado Investimento no exterior	Investment Fund		443,689,064		100.0	%		100.0	%
TBI Fundo De Investimento Renda Fixa Crédito Privado	Investment Fund		388,157,511		100.0	%		100.0	%
Inter Titulos Fundo de Investimento	Investment Fund		489,302		98.0	%		97.9	%
BMA Inter Fundo De Investimento Em Direitos Creditórios Multissetorial	Investment Fund		349,494,000		90.7	%		90.0	%

		Interest in capital (%)
Indirect subsidiaries	Line of business	Common Shares and/or Units		03/31/2022			12/31/2021
Inter Café LTDA.	Rendering of services		10,000		100.0	%		100.0	%
Inter Boutiques Ltda.	Rendering of services		10,000		100.0	%		100.0	%
Inter Food S.A	Rendering of services		10,000,000		70.0	%		70.0	%
Inter Asset Gestão de Recursos LTDA	Fund management		30,707		70.0	%		70.0	%

In thousands of reais
	2022
Assets		236,088
Cash and cash equivalents (8)		160,556
Loans and advances to financial institutions (10)		17,861
Securities (12)		4,486
Property, plant and equipment (14)		6,227
Other assets (17)		46,957
Liabilities		(156,642	)
Loans and onlendings (17)		(2	)
Other liabilities (24)		(156,640	)
Total net identifiable assets at fair value		79,466
Goodwill on acquisition (a)		838,411

In thousands of reais	2021
Financial instruments		20,212
Other financial assets		2,257
Property, plant and equipment		499
Intangible assets		13,208
Borrowings and onleading’s		(1,445	)
Other liabilities		(1,976	)
Net assets		32,755

In thousands of reais	2021
Consideration transferred		45,000
Non-controlling interest, based on the proportionate interest in the acquired assets and recognized liabilities.		13,053
Net assets		(32,755	)
Goodwill		25,298

Period of delinquency (days)		Minimum rating
Up to 14 days		A
15–30 days		B
31–60 days		C
61–90 days		D
91–120 days		E
121–150 days		F
151–180 days		G
Higher than 180 days		H

	Rates	Rates as of 07/01/2021	Rates at
	up to 06/30/2021	up to 12/31/2021	as of 01/01/2022
Income taxes
Income tax	15%	15%	15%
Additional income tax	10%	10%	10%
Social contribution on net income	20%	25%	20%

Other taxes
PIS/PASEP	0.65%	0.65%	0.65%
COFINS	4%	4%	4%
ISS	Up to 5%	Up to 5%	Up to 5%

	03/31/2022
	Bank			Distribution of securities			Insurance brokerage			Marketplace			Asset management			Rendering of services			Other segments			Combined			Adjustments and eliminations			Consolidated
Loan operations		471,277			866			-			1			-			-			15,259			487,403			(2,387	)		485,016
Income from Foreign Exchange Operations		8,827			-			-			-			-			-			-			8,827			-			8,827
Income (loss) from interbank funds applied		25,310			743			-			-			-			-			-			26,053			-			26,053
Securities income		344,502			6,163			1,997			1,621			73			433			11,603			366,392			(21,450	)		344,942
Derivative financial instruments		17,501			-			-			-			-			-			(1,032	)		16,469			-			16,469
Financial intermediation income		867,417			7,772			1,997			1,622			73			433			25,830			905,144			(23,837	)		881,307

Money market repurchase agreements		(336,448	)		(74	)		-			-			-			-			-			(336,522	)		134			(336,388	)
Loan operations and onlendings		(380	)		(2,387	)		-			-			-			-			-			(2,767	)		2,387			(380	)
Operations with derivatives		-			-			-			-			-			-			-			-			-			-
Financial intermediation expenses		(336,828	)		(2,461	)		-			-			-			-			-			(339,289	)		2,521			(336,768	)

Gross income (loss) from financial intermediation		530,589			5,311			1,997			1,622			73			433			25,830			565,855			(21,316	)		544,539

Provision for expected losses associated with credit risk		(243,952	)		-			-			-			-			-			(10	)		(243,962	)		-			(243,962	)
Income (loss) from provisions for loss		(243,952	)		-			-			-			-			-			(10	)		(243,962	)		-			(243,962	)

Service fee income		144,813			17,192			18,546			92,883			3,692			10,891			-			288,017			-			288,017
Personnel expenses		(128,637	)		(2,718	)		(2,079	)		(4,290	)		(673	)		(6,724	)		-			(145,121	)		-			(145,121	)
Other administrative expenses		(294,793	)		(6,973	)		(462	)		(4,202	)		(268	)		(10,237	)		(3,279	)		(320,214	)		-			(320,214	)
Tax expenses		(38,335	)		(1,820	)		(3,340	)		(11,888	)		(316	)		(708	)		-			(56,407	)		-			(56,407	)
Equity in net income of subsidiaries		53,417			-			-			-			-			-			-			53,417			(53,417	)		-
Equity in income (loss) of associated companies		(5,572	)		-			-			-			-			-			-			(5,572	)		-			(5,572	)
Other operating revenues		50,948			5,153			9,222			3,578			-			5,299			133			74,333			-			74,333
Other operating expenses		(151,368	)		(1,054	)		(2,366	)		(19,352	)		-			(72	)		(106	)		(174,318	)		-			(174,318	)
Other operating revenues (expenses)		(369,527	)		9,780			19,521			56,729			2,435			(1,551	)		(3,252	)		(285,865	)		(53,417	)		(339,282	)

Operating income		(82,890	)		15,091			21,518			58,351			2,508			(1,118	)		22,568			36,028			(74,733	)		(38,705	)

Other revenues		46,973															-			8			46,981						46,981
Other expenses		(5,476	)		-			-			-			(1,510	)		(281	)		-			(7,267	)					(7,267	)
Other income and expenses		41,497			-			-			-			(1,510	)		(281	)		8			39,714			-			39,714

Income (loss) before income tax		(41,393	)		15,091			21,518			58,351			998			(1,399	)		22,576			75,742			(74,733	)		1,009
																										-
Provision for income tax		-			(3,767	)		(5,954	)		(12,866	)		(312	)		(212	)		-			(23,111	)		-			(23,111	)
Provision for social contribution		-			(3,175	)		(2,146	)		(4,587	)		(114	)		(80	)		-			(10,102	)		-			(10,102	)
Deferred tax assets		58,396			3			790			-			-			485			-			59,674			-			59,674
		58,396			(6,939	)		(7,310	)		(17,453	)		(426	)		193			-			26,461			-			26,461

Income (loss) for the period		17,003			8,152			14,208			40,898			572			(1,206	)		22,576			102,203			(74,733	)		27,470

Total assets		38,125,077			207,082			147,639			267,940			6,724			25,183			1,268,282			40,047,927			(1,562,538	)		38,485,390
Total liabilities		29,696,908			148,364			78,651			86,605			3,190			2,900			236,924			30,253,542			(281,101	)		29,972,443
Total shareholders' equity		8,428,169			58,718			68,988			181,335			3,534			22,283			1,031,358			9,794,385			(1,281,437	)		8,512,947

	03/31/2021
	Bank		Distribution of securities		Insurance brokerage		Marketplace		Asset management		Rendering of service		Other segments		Combined		Adjustments and eliminations			Consolidated
Loan operations		283,354		-		-		-		-		-		2,005		285,359		(167	)		285,192
Income from Foreign Exchange Operations		2,859		-		-		-	&nb