<p>Inter &amp; Company Incorporation Class A（INTR）召開了第三季度財報電話會議。請繼續閲讀會議的主要亮點。</p>
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<p>Inter &amp; Company Incorporation Class A 最近的財報電話會議描繪了強勁的增長和創紀錄的成就，但也受到一些經濟挑戰的影響。公司報告了顯著的客户增長、交易量增加和貸款組合擴展，儘管面臨風險成本上升和由於高 Selic 利率等經濟壓力導致的手續費收入增長放緩等挑戰。</p>
<h2>創紀錄的客户增長</h2>
<p>Inter 迎來了 200 萬新客户，創造了新紀錄，超過了 2022 年設定的前高。這一增長凸顯了公司吸引和留住大量客户的能力，促進了其市場影響力的擴大。</p>
<h2>強勁的交易量</h2>
<p>公司的活躍客户在平台上交易超過 4120 億巴西雷亞爾，同比增長約 30%。這一令人印象深刻的增長突顯了平台日益增長的受歡迎程度以及客户對 Inter 金融服務的信任。</p>
<h2>信用卡交易量增長</h2>
<p>Inter 的信用卡交易量達到新紀錄，超過 150 億巴西雷亞爾，同比增長 20%。這一增長表明其在信用卡市場的地位不斷增強，消費者支出增加。</p>
<h2>貸款組合擴展</h2>
<p>貸款組合同比增長 30%，主要得益於私人工資貸款和房屋淨值貸款，後者增長了 33%。這一擴展反映了 Inter 在多樣化和增強其貸款產品方面的戰略重點。</p>
<h2>資產質量改善</h2>
<p>公司的資產質量有所改善，90 天逾期指標改善了 10 個基點。這表明有效的風險管理和更健康的貸款組合。</p>
<h2>低融資成本</h2>
<p>Inter 保持了 68.2% 的 CDI 低融資成本，得益於交易存款的強勁增長。這一低成本基礎為其在金融市場提供了競爭優勢。</p>
<h2>創紀錄的淨收入和 ROE</h2>
<p>Inter 報告創紀錄的淨收入為 3.36 億巴西雷亞爾，ROE 為 14.2%，展示了其財務實力和運營效率。</p>
<h2>風險成本上升</h2>
<p>風險成本上升至 5.35%，主要由於新私人工資貸款組合的前期準備金。這一增長反映了在不斷增長的貸款組合中管理風險的挑戰。</p>
<h2>手續費收入增長放緩</h2>
<p>公司經歷了手續費收入增長的放緩，受到一些一次性事件的影響，例如一家合資公司的關閉和延期收費。這一放緩對維持收入增長構成挑戰。</p>
<h2>經濟逆風</h2>
<p>Inter 面臨經濟逆風，特別是高 Selic 利率，這影響了信用組合的風險暴露和增長動態。這些外部因素對維持增長勢頭構成挑戰。</p>
<h2>前瞻性指導</h2>
<p>展望未來，Inter &amp; Co 提供了樂觀的指導，得益於強勁的增長指標和戰略舉措。公司旨在在 2026 年前保持其增長勢頭，專注於創新、全球擴張和人才發展。憑藉強大的客户基礎和高淨推薦值，Inter 在其七個業務領域中有良好的定位，以提升客户價值。</p>
<p>總之，Inter &amp; Company 的財報電話會議反映了積極的情緒，客户增長和財務表現創下新紀錄。儘管面臨經濟挑戰，公司仍致力於戰略增長和創新，為在金融市場的持續成功奠定基礎。</p>

INTR

<p>Inter & Co 第三季度的財報電話會議強調了客户增長創紀錄、交易量強勁以及貸款組合擴張。公司報告的淨收入創紀錄，達到 3.36 億巴西雷亞爾，股本回報率為 14.2%。面臨的挑戰包括風險成本上升以及由於高 Selic 利率導致的手續費收入增長放緩。儘管面臨經濟逆風，Inter 對通過創新和全球擴張維持增長仍持樂觀態度</p>

<p>Inter &amp; Company Incorporation Class A ((INTR)) has held its Q3 earnings call. Read on for the main highlights of the call.</p>
<div class="lb-trans"><p>Inter &amp; Company Incorporation Class A（INTR）召開了第三季度財報電話會議。請繼續閲讀會議的主要亮點。</p>
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</div><p>Inter &amp; Company Incorporation Class A’s recent earnings call painted a picture of robust growth and record-setting achievements, tempered by some economic challenges. The company reported significant client growth, increased transaction volumes, and an expanding loan portfolio, although it faces hurdles such as rising costs of risk and a slowdown in fee income growth due to economic pressures like high Selic rates.</p>
<div class="lb-trans"><p>Inter &amp; Company Incorporation Class A 最近的財報電話會議描繪了強勁的增長和創紀錄的成就，但也受到一些經濟挑戰的影響。公司報告了顯著的客户增長、交易量增加和貸款組合擴展，儘管面臨風險成本上升和由於高 Selic 利率等經濟壓力導致的手續費收入增長放緩等挑戰。</p>
</div><h2>Record Client Growth</h2>
<div class="lb-trans"><h2>創紀錄的客户增長</h2>
</div><p>Inter achieved a milestone by welcoming 2 million new clients, setting a new record and surpassing the previous high set in 2022. This growth underscores the company’s ability to attract and retain a substantial number of clients, contributing to its expanding market presence.</p>
<div class="lb-trans"><p>Inter 迎來了 200 萬新客户，創造了新紀錄，超過了 2022 年設定的前高。這一增長凸顯了公司吸引和留住大量客户的能力，促進了其市場影響力的擴大。</p>
</div><h2>Strong Transaction Volume</h2>
<div class="lb-trans"><h2>強勁的交易量</h2>
</div><p>The company’s active clients transacted over BRL 412 billion on the platform, marking a year-over-year growth of approximately 30%. This impressive increase highlights the platform’s growing popularity and the trust clients place in Inter’s financial services.</p>
<div class="lb-trans"><p>公司的活躍客户在平台上交易超過 4120 億巴西雷亞爾，同比增長約 30%。這一令人印象深刻的增長突顯了平台日益增長的受歡迎程度以及客户對 Inter 金融服務的信任。</p>
</div><h2>Credit Card Volume Growth</h2>
<div class="lb-trans"><h2>信用卡交易量增長</h2>
</div><p>Inter’s credit card volume reached a new record, exceeding BRL 15 billion, which represents a 20% growth year-over-year. This growth indicates a strengthening position in the credit card market and increased consumer spending.</p>
<div class="lb-trans"><p>Inter 的信用卡交易量達到新紀錄，超過 150 億巴西雷亞爾，同比增長 20%。這一增長表明其在信用卡市場的地位不斷增強，消費者支出增加。</p>
</div><h2>Loan Portfolio Expansion</h2>
<div class="lb-trans"><h2>貸款組合擴展</h2>
</div><p>The loan book saw a 30% year-on-year growth, driven by private payroll loans and home equity, with the latter experiencing a 33% growth. This expansion reflects Inter’s strategic focus on diversifying and strengthening its loan offerings.</p>
<div class="lb-trans"><p>貸款組合同比增長 30%，主要得益於私人工資貸款和房屋淨值貸款，後者增長了 33%。這一擴展反映了 Inter 在多樣化和增強其貸款產品方面的戰略重點。</p>
</div><h2>Improved Asset Quality</h2>
<div class="lb-trans"><h2>資產質量改善</h2>
</div><p>The company’s asset quality showed improvement, with the ninety-day past due metric improving by 10 basis points. This indicates effective risk management and a healthier loan portfolio.</p>
<div class="lb-trans"><p>公司的資產質量有所改善，90 天逾期指標改善了 10 個基點。這表明有效的風險管理和更健康的貸款組合。</p>
</div><h2>Low Cost of Funding</h2>
<div class="lb-trans"><h2>低融資成本</h2>
</div><p>Inter maintained a low cost of funding at 68.2% of CDI, supported by strong growth in transactional deposits. This low cost base provides a competitive edge in the financial market.</p>
<div class="lb-trans"><p>Inter 保持了 68.2% 的 CDI 低融資成本，得益於交易存款的強勁增長。這一低成本基礎為其在金融市場提供了競爭優勢。</p>
</div><h2>Record Net Income and ROE</h2>
<div class="lb-trans"><h2>創紀錄的淨收入和 ROE</h2>
</div><p>Inter reported a record net income of BRL 336 million and an ROE of 14.2%, showcasing its financial strength and operational efficiency.</p>
<div class="lb-trans"><p>Inter 報告創紀錄的淨收入為 3.36 億巴西雷亞爾，ROE 為 14.2%，展示了其財務實力和運營效率。</p>
</div><h2>Increased Cost of Risk</h2>
<div class="lb-trans"><h2>風險成本上升</h2>
</div><p>The cost of risk rose to 5.35%, primarily due to upfront provisioning for the new private payroll portfolio. This increase reflects the challenges of managing risk in a growing loan portfolio.</p>
<div class="lb-trans"><p>風險成本上升至 5.35%，主要由於新私人工資貸款組合的前期準備金。這一增長反映了在不斷增長的貸款組合中管理風險的挑戰。</p>
</div><h2>Fee Income Growth Slowdown</h2>
<div class="lb-trans"><h2>手續費收入增長放緩</h2>
</div><p>The company experienced a slowdown in fee income growth, impacted by one-off events such as the shutdown of a co-owned company and deferred fees. This slowdown poses a challenge to maintaining revenue growth.</p>
<div class="lb-trans"><p>公司經歷了手續費收入增長的放緩，受到一些一次性事件的影響，例如一家合資公司的關閉和延期收費。這一放緩對維持收入增長構成挑戰。</p>
</div><h2>Economic Headwinds</h2>
<div class="lb-trans"><h2>經濟逆風</h2>
</div><p>Inter faces economic headwinds, particularly high Selic rates, which impact credit portfolio exposure and growth dynamics. These external factors present challenges to sustaining growth momentum.</p>
<div class="lb-trans"><p>Inter 面臨經濟逆風，特別是高 Selic 利率，這影響了信用組合的風險暴露和增長動態。這些外部因素對維持增長勢頭構成挑戰。</p>
</div><h2>Forward-Looking Guidance</h2>
<div class="lb-trans"><h2>前瞻性指導</h2>
</div><p>Looking ahead, Inter &amp; Co provided optimistic guidance, supported by strong growth metrics and strategic initiatives. The company aims to sustain its momentum into 2026, focusing on innovation, global expansion, and talent development. With a robust client base and high Net Promoter Score, Inter is well-positioned to enhance client value across its seven verticals.</p>
<div class="lb-trans"><p>展望未來，Inter &amp; Co 提供了樂觀的指導，得益於強勁的增長指標和戰略舉措。公司旨在在 2026 年前保持其增長勢頭，專注於創新、全球擴張和人才發展。憑藉強大的客户基礎和高淨推薦值，Inter 在其七個業務領域中有良好的定位，以提升客户價值。</p>
</div><p>In conclusion, Inter &amp; Company’s earnings call reflects a positive sentiment with record achievements in client growth and financial performance. Despite facing economic challenges, the company remains committed to strategic growth and innovation, positioning itself for continued success in the financial market.</p>
<div class="lb-trans"><p>總之，Inter &amp; Company 的財報電話會議反映了積極的情緒，客户增長和財務表現創下新紀錄。儘管面臨經濟挑戰，公司仍致力於戰略增長和創新，為在金融市場的持續成功奠定基礎。</p>
</div>

Inter & Co 的財報電話會議：在挑戰中實現創紀錄的增長