Exhibit 99.1

Unaudited Consolidated Interim financial statements as of for the three and six- month periods ended June 30, 2022 A free translation of the original report in Portuguese containing the interim consolidated financial statements prepared in accordance with IAS 34 - Interim Financial Reporting, issued by the International Accounting Standards Board (IASB) Inter & Co, Inc.

Inter & Co, Inc. Contents Management report 3 Report on the review of quarterly information 7 Unaudited consolidated interim balance sheets 9 Unaudited consolidated interim income statements 10 Unaudited consolidated interim statements of comprehensive income 11 Unaudited consolidated interim statements of cash flows 12 Unaudited consolidated interim statements of changes in equity 13 Unaudited consolidated interim statements of added value 14 Notes to the consolidated interim financial statements 15

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 3 Inter & Co, Inc. Management report Inter & Co, Inc. Inter & Co, Inc is a company in the Cayman Islands with limited liability, incorporated on January 26, 2021. On May 7, 2021, Inter & Co, Inc (the Company and, together with its consolidated subsidiaries, the Group) completed the first step of its corporate reorganization process (the Restructuring) involving two new non-operating companies with no assets, liabilities or contingencies: the Company, located in the Cayman Islands, and Inter Holding Financeira S.A. (HoldFin), located in Brazil. In this first step, the controlling shareholder of Banco Inter S.A. (Inter or Banco Inter), some of his family members, and another founding shareholder of Banco Inter (the Controlling Shareholder and Others) now holds 100% of the shares of the Company, which, in turn, holds 100% of HoldFin (the intermediate holding company), which, in turn, holds the controlling interest of Banco Inter, previously held by the Controlling Shareholder and Others. Consequently, the Company and HoldFin became the indirect and direct controlling entities of Banco Inter, respectively, so that the ultimate shareholders of Banco Inter and their voting and non-voting interests were the same before and after the Restructuring. On May 12, 2022, the shareholders of Inter approved, at an Extraordinary General Meeting (EGM), the proposal for migration of the shares from B3 to the American stock exchange (Nasdaq). Currently, Inter&Co has shares listed on Nasdaq and BDRs traded on B3. Inter Holding Financeira The company Inter Holding Financeira S.A. (Inter Holding), founded in October 2020, is a company with the exclusive purpose of holding equity interests in financial institutions and other institutions authorized to operate by the Central Bank of Brazil. Inter Holding's sole subsidiary is Banco Inter S.A. (Banco Inter or Inter). Inter Inter is a Super App, with an extensive portfolio of financial and non-financial services and products aiming to simplify people’s lives. Since the digitalization of our business model in 2015, we have managed to diversify our revenues, increasing the relevance of service revenues. 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

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 4 Inter & Co, Inc. 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. Investments in Affiliates and/or Subsidiaries On January 14, 2022, Banco Inter S.A. closed the acquisition of 100% of the capital of the subsidiary Pronto Money Transfer Inc. (USEND). 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. We describe the business combination in more detail in Note 4.3. Operating highlights Digital account In the six-month period ended June 30, 2022, we surpassed the mark of 20 million clients, which is equivalent to 22% growth in the period. Our NPS reached 80 points, reaching the excellence zone and over 1 billion logins to our app were made during the first half of 2022. Loan Portfolio The balance of loan operations reached R$ 19.5 billion, accounting for a positive change of 13.4% over December 31, 2021. The real estate secured loan portfolio exceeded R$ 5.4 billion, accounting for a growth of 9.8% compared to December 2021, when its balance was R$ 5.1 billion. The individual loan portfolio, which includes payroll loan and FGTS portfolios, reached R$ 4.5 billion, and the credit card portfolio reached R$ 5.9 billions, together they totaled R$ 10.4 billion, a 23.8% growth compared to December 31, 2021, when they totaled R$ 8.4 billion. Funding Total funding, which includes demand deposits, time deposits, savings deposits and securities issued such as Real Estate Bills, amounted to R$24.7 billion, 12.8% higher than the amount of R$21.9 billion recorded on December 31, 2021. Economic and financial highlights Profit for the Period We recorded a negative net income for the six-month period ended June 30, 2022, of R$13.3 million, against a negative net income of R$33.2 million for the six-month period ended June 30, 2022. The difference in net income between the periods can be explained by the increase in revenues from services in the period.

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 5 Inter & Co, Inc. Revenues The revenues reached R$2,574.8 million, recording an increase of R$1,450.0 million compared to the amount recorded in the same six-month period of 2021. The positive fact is the profit on securities, which reached the amount of R$754.9 million, with a growth of 287.7% compared to the same six-month period in 2021. Administrative expenses Administrative and personnel expenses incurred in the six-month period ended June 30, 2022 totaled R$1,161.3 million, an increase of R$724.7 million in relation to the same period of 2021, a growth explained by the increasing volume of operations, expansion of services and products offered, in addition to the exponential growth of the client base. Equity highlights Total assets Total assets reached R$40.9 billion in the six-month period ended June 30, 2022, a 11.7% growth compared to December 2021. Equity Shareholders’ equity totaled R$7.1 billion, showing a reduction of 18.4% when compared to December 31, 2021. Security Portfolio – Circular Letter 3068/2001 – BACEN Pursuant to Article 8 of Bacen Circular Letter 3068/2001, Inter declares its intention and ability to hold R$1,224.6 million in the “amortized cost” category. Statement of the Executive Board Inter & CO, Inc . Executive Board declares that it has discussed, reviewed, and agrees with the opinions expressed in the independent auditors’ report, and reviewed, discussed and agrees with the financial information for the six-month period ended June 30, 2022.

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 6 Inter & Co, Inc. Relationship with the independent auditors In compliance with CVM Instruction No. 381, Inter & Co, Inc. informs that the other services contracted in addition to the auditing services for its condensed financial statements do not interfere with the policy adopted in relation to the principles that preserve the auditor's independence, in accordance with the internationally accepted criteria, which are that the auditor should not audit his own work or exercise managerial functions at his client, or promote the client's interests. The institution also has a policy with requirements for contractual risk analysis which defines that the Board of Directors must evaluate the transparency, objectivity, governance aspects and the compromising of the independence of the contract, thus ensuring conformity between the parties involved. Additionally, it has an Audit Committee which, among its responsibilities and competencies, in addition to providing opinions and recommendations on the audit service provider, also evaluates the effectiveness of the independent and internal audits, including with regard to the verification of compliance with legal provisions and regulations applicable to the Bank, as well as internal policies and codes. In the six-month period ended June 30, 2022, no services were provided by KPMG Auditores Independentes Ltda. not related to the audit of the financial information in an amount that exceeded 5% of the total fees related to the independent audit services. Furthermore, Inter & Co, Inc. confirms that KPMG Auditores Independentes Ltda. has procedures, policies, and controls in place to ensure its independence, which include an evaluation of the work provided, covering any service other than the independent audit of Inter & Co, Inc.'s financial information. This evaluation is based on the applicable regulations and accepted principles that preserve the auditor's independence. The acceptance and performance of non-audit professional services on the financial information by its independent auditors during the six-month period ended June 30, 2022, did not affect the independence and objectivity in the conduct of the audit work performed at Inter & Co, Inc. Acknowledgment We would like to thank our shareholders, customers and partners for their trust, as well as each of our employees who build our history daily. Belo Horizonte, August 12, 2022. The Management

7 KPMG Auditores Independentes Ltda. Rua Paraíba, 550 - 12º andar - Bairro Funcionários 30130-141 - Belo Horizonte/MG - Brasil Caixa Postal 3310 - CEP 30130-970 - Belo Horizonte/MG - Brasil Telefone +55 (31) 2128-5700 kpmg.com.br Independent auditors’ review report of interim consolidated financial information To the Shareholders, those Charged with Governance, and Directors of Inter & Co, Inc. Cayman Islands Introduction We have reviewed the interim consolidated interim financial information of Inter & Co, Inc. (“Company”) contained in the Quarterly Information Form (ITR) for the quarter ended June 30, 2022, which comprise the balance sheet as of June 30, 2022, and the respective statements of income and comprehensive income for the periods of three and six months ended on that date, and changes in equity and cash flows for the six- month period ended on that date, including the explanatory notes. Management of the Company is responsible for the preparation of this interim consolidated financial information in accordance with IAS 34 – Interim Financial Reporting issued by the International Accounting Standards Board (IASB), as well as for presenting this information in a manner consistent with the standards issued by the Comissão de Valores Mobiliários (CVM), applicable to the preparation of the Quarterly Information (ITR). Our responsibility is to express a conclusion on this consolidated interim financial information based on our review. Scope of review We conducted our review in accordance with Brazilian and International Standards on Review (NBC TR 2410 - Revisão de Informações Intermediárias Executada pelo Auditor da Entidade and ISRE 2410 - Review of Interim Financial Information Performed by the Independent Auditor of the Entity, respectively). A review of interim financial information consists of making inquiries, primarily of people responsible for financial and accounting matters, and applying analytical and other review procedures. A review is substantially less in scope than an audit conducted in accordance with International Standards on Auditing and consequently does not enable us to obtain assurance that we would become aware of all significant matters that might be identified in an audit. Accordingly, we do not express an audit opinion. Conclusion Based on our review, we are not aware of any facts that lead us to believe that the interim consolidated financial information were not prepared, in all material respects, in accordance with IAS 34, applicable to to the Quarterly Information (ITR ) preparation, and presented in accordance with the rules issued by the Comissão de Valores Mobiliários (CVM).

8 Other Matters - Statement of added value The consolidated interim financial information includes the consolidated statement of value added (DVA) for the six-month period ended June 30, 2022, prepared under the responsibility of the Company's management, and presented as supplementary information for the purposes of IAS 34. This statement was submitted to review procedures performed in conjunction with the review of the consolidated interim financial information, with the objective of concluding whether it is reconciled with the consolidated interim financial information, and accounting records, as applicable, and if its form and content are in accordance with the criteria defined in Technical Pronouncement CPC 09 - Demonstration of Added Value. Based on our review, we are not aware of any facts that lead us to believe that this statement of value added was not prepared, in all material respects, in accordance with the criteria defined in this standard and in a manner consistent with the interim financial information consolidated, taken as a whole. Belo Horizonte, August 12, 2022 KPMG Auditores Independentes Ltda. CRC SP-014428/O-6 F-MG Original report in Portuguese signed by João Paulo Dal Poz Alouche Accountant CRC 1SP245785/O-2

Inter & Co, Inc. Unaudited consolidated balance sheets as of June 30, 2022 and 2021 (Amounts in thousands of Brazilian reais, unless otherwise stated) Note 06/30/2022 12/31/2021 Assets Cash and cash equivalents 8 1,549,158 500,446 Amounts due from financial institutions 9 1,825,289 2,051,862 Compulsory deposits at Central Bank of Brazil 2,580,989 2,399,488 Loans and advances to customers 10 19,484,646 17,216,362 Provision for expected loss 10 (974,457) (680,932) Loans and advances to customers, net of provisions for expected loss 18,510,189 16,535,429 Securities 11 12,710,051 12,757,687 Derivative financial liabilities 12 3,212 86,948 Non-current assets held for sale 16 161,254 129,793 Investments 13 80,741 82,445 Property and equipment 14 200,804 163,475 Intangible assets 15 1,189,909 430,504 Deferred tax assets 32 931,537 695,525 Other assets 17 1,190,646 792,735 Total assets 40,933,779 36,626,337 Liabilities Liabilities with financial institutions 18 6,945,236 5,341,464 Liabilities with customers 19 19,746,409 18,333,543 Securities issued 20 6,104,223 3,572,093 Derivative financial liabilities 12 65,888 66,545 Borrowing and onlending 21 31,855 25,071 Income tax and social contribution 95,721 41,764 Other tax liabilities 67,944 36,642 Tax liabilities 22 163,665 78,406 Provisions 23 61,118 52,848 Deferred liabilities 32 81,915 89,235 Other liabilities 24 618,089 617,349 Total liabilities 33,818,398 28,176,554 Equity Share capital 25a 13 13 Reserves 25b 7,842,630 2,728,396 Other comprehensive income 25c (808,584) (72,284) Equity attributable to interest of controlling shareholders 7,034,059 2,656,125 Non-controlling interest 25f 81,322 5,793,659 Total equity 7,115,381 8,449,784 Total liabilities and equity 40,933,779 36,626,337 The notes are an integral part of these consolidated financial statements. 9 #&"Calibri"

Inter & Co, Inc. Unaudited consolidated interim income statements income for the quarters and six-month periods ended June 30, 2022 and 2021 (Amounts in thousands of Brazilian reais, unless otherwise stated) Note 30/06/2022 30/06/2021 30/06/2022 30/06/2021 Int er Interest income 622,312 305,660 1,143,472 594,664 Int er Interest expenses (465,041) (86,261) (801,812) (151,820) N et Net interest income 26 157,271 219,399 341,660 442,844 R ev Revenues from services and commissions 238,515 110,911 444,734 211,876 Ex pe Expenses from services and commissions (33,954) (21,841) (62,470) (45,120) N et Net result from services and commissions 27 204,561 89,070 382,264 166,756 Income from securities Income from securities 12 406,846 106,662 754,859 194,730 N et Net gains / (losses) from derivatives (3,030) (23,765) 7,979 (43,697) Ot he Other revenues 28a 111,372 76,048 223,779 123,547 R ev Revenues 877,020 467,414 1,710,541 884,180 Im pa ir Impairment losses on financial assets 29 (242,464) (167,441) (555,410) (274,110) P er Personnel expense 30 (172,466) (93,046) (317,586) (174,907) D ep Depreciation and amortization (35,511) (25,338) (71,989) (44,504) Ot he Other administrative expenses 31 (410,218) (303,134) (843,717) (549,764) T ot Total other expenses (net of other revenues) 16,361 (121,545) (78,161) (159,105) In co Income from equity interests in affiliates 13 (4,490) 3,893 (10,062) 3,893 Pr of Profit / (loss) before income tax 11,871 (117,652) (88,223) (155,212) Current income tax and social contribution Current income tax and social contribution 32 (52,051) 3,563 (85,263) (16,754) Deferred income tax and social contribution Deferred income tax and social contribution 32 55,705 83,591 160,189 138,775 Income tax benefit Income tax benefit 3,654 87,154 74,926 122,021 Pr of Profit / (loss) for the quarter/six-month period 15,525 (30,498) (13,297) (33,191) Pr of Profit attributable to: O w Interest of controlling shareholders (16,590) (12,029) (13,318) (20,688) N on-Non-controlling interest 32,115 (18,469) 21 (12,503) E ar Earnings per share (in Brazilian Reais – BRL) B as Basic and diluted earnings per share 25e 0.0371 (0.0794) (0.0318) (0.0794) The notes are an integral part of these consolidated financial statements. Quarter Six-month period The notes are an integral part of these consolidated financial statements. 10

Inter & Co, Inc. Unaudited consolidated interim statements of comprehensive income Quarters and six-month periods ended June 30, 2022 and 2021 (Amounts in thousands of Brazilian reais) 06/30/2022 06/30/2021 06/30/2022 06/30/2021 Profit (loss) for the quarter/six-month period 15,525 (30,498) (13,297) (33,191) Other comprehensive income Items that are or may be reclassified subsequently to the income statement: Result from fair value measurement of financial assets (145,289) (27,691) (233,859) \ (187,891) Exchange variation result (7,355) - (10,671) - Acquisition of non-controlling interest without a change in control (613,718) - (613,718) 96,378 Related tax 82,091 12,461 121,948 46,579 Other comprehensive income for the six-month period, net of income tax and social contribution (684,271) (15,230) (736,300) (44,934) Total comprehensive income for the quarter/six-month period (668,746) (45,728) (749,597) (78,125) Allocation of comprehensive income Part of comprehensive income to controlling shareholders (700,861) (27,259) (749,618) (65,622) Part of comprehensive income to non-controlling interest 32,115 (18,469) 21 (12,503) The notes are an integral part of these consolidated financial statements. Quarter Six-month period 11

Inter & Co, Inc. Unaudited consolidated interim statements of cash flows Six-month periods ended June 30, 2022 and 2021 (Amounts in thousands of Brazilian reais) 06/30/2022 06/30/2021 Operating activities Profit (loss) for the six-month period (13,297) (33,191) Ajustments to profit (loss) Depreciation and amortization 71,990 44,504 Income from equity interests in affiliates 10,062 (3,893) Impairment losses on financial assets 555,410 274,110 Expenses with provisions and contingent liabilities 16,919 22,193 Deferred income tax and social contribution (160,189) (138,775) Current income tax and social contribution 85,263 16,754 Provisions for loss of assets 47,841 (17,966) Other capital gains (losses) (60,914) (20,754) Provision for performance income (92,938) (74,808) Exchange variation result (516) (1,501) (Increase)/ decrease in: Compulsory deposits at Central Bank of Brazil (181,501) 116,431 Loans and advances to customers (2,530,169) (3,806,890) Amounts due from financial institutions 226,573 (144,536) Securities, net of provision for expected loss (312,036) (164,270) Derivative financial liabilities 83,736 15,829 Non-current assets held for sale (79,302) 1,590 Other assets (336,933) (338,328) Increase/ (decrease) in: Liabilities with financial institutions 1,603,772 1,246,454 Liabilities with customers 1,412,866 3,192,499 Securities issued 2,532,130 352,287 Derivative financial liabilities (657) 22,129 Borrowing and onlending 6,784 (1,080) Tax liabilities 47,301 27,109 Provisions (8,649) (8,272) Other liabilities (61,476) 156,284 2,862,070 733,909 Income tax paid (47,305) (31,617) Net cash from operating activities 2,814,765 702,292 Cash flow from investing activities Acquisition of subsidiaries - (91,162) Acquisition of property and equipment (37,610) (25,809) Proceeds from sale of property and equipment 13 307 Net acquisition of property and equipment from subsidiaries (5,881) (604) Acquisition of intangible assets (191,838) (157,074) Proceeds of intangibles 47,499 - Net acquisition of intangible assets from subsidiaries (627,989) (1,143) Acquisition of inancial assets at FVOCI (4,865,888) (7,019,350) Proceeds from sale of financial assets at FVOCI 5,496,141 5,261,825 Acquisition of financial assets at FVTPL (426,702) (1,311,775) Proceeds from sale of financial assets at FVTPL 44,210 674,399 Net cash used in financing activities (568,045) (2,670,386) Cash flow from financing activities Repurchase of treasury shares - (29,322) Paid dividends and interest on capital - (13,173) Acquisition of non-controlling interest without a change in control (1,198,524) 5,585,408 Net cash from / (used in) financing activities (1,198,524) 5,542,913 (Decrease)/ Increase in cash and cash equivalents 1,048,196 3,574,819 Cash and cash equivalents at the beginning of the six-month period 500,446 2,154,687 Effect of the exchange rate variation on cash and cash equivalents 516 1,501 Cash and cash equivalents at June 30 1,549,158 5,731,007 The notes are an integral part of these consolidated financial statements. 12

Inter & Co, Inc. Unaudited consolidated interim statements of changes in equity for the six-month periods ended June 30, 2022 and 2021 (Amounts in thousands of Brazilian reais, unless otherwise stated) Share capital Reserves Other comprehensive income Retained earnings Treasury shares Equity attributable to interest of controlling shareholders Non-controlling interest Total equity Balances on January 1, 2021 3,216,455 150,709 25,991 - (117,521) 3,275,634 48,581 3,324,215 Profit (loss) for the period - - - (48,939) - (48,939) 8,502 (40,437) Contributions and distributions Constitution/Reversion of reserves - (94,085) - 48,939 - (45,146) - (45,146) Dividends and interest on capital - (3,122) - - - (3,122) (7,251) (10,373) Sale of treasury shares - (74,119) - - 81,159 7,040 - 7,040 Resources from non-controlling interest - - - - - - 33,998 33,998 Net change in fair value - financial assets at FVOCI - - (141,312) - - (141,312) - (141,312) Balances on May 6, 2021 – Banco Inter 3,216,455 (20,617) (115,321) - (36,362) 3,044,155 83,830 3,127,985 Corporate restructuring on May 7, 2021 (3,216,442) 1,205,850 74,555 - 36,362 (1,899,675) 1,899,675 - Balances on May 7, 2021 – Inter & Co, Inc. 13 1,185,233 (40,766) - - 1,144,480 1,983,505 3,127,985 Profit (loss) for the period (6,103) (6,103) 13,349 7,246 Allocation from investee Other comprehensive income - - 21,823 - - 21,823 (74,555) (52,732) Treasury shares - - - - - - (36,362) (36,362) Contributions and distributions - (6,103) - 6,103 - - - - Dividends and interest on capital - - - - - - (2,800) (2,800) Resources from non-controlling interest, including capital increase - 1,565,382 - - - 1,565,382 4,083,906 5,649,288 Balances at June 30, 2021 - Inter & Co, Inc. 13 2,744,512 (18,943) - - 2,725,582 5,967,043 8,692,625 Balances on January 1, 2022 - Inter & Co, Inc. 13 2,728,396 (72,284) - - 2,656,125 5,793,659 8,449,784 Profit (loss) for the period - - - (13,318) - (13,318) 21 (13,297) Contributions and distributions - Constitution/Reversion of reserves - (13,318) - 13,318 - - - - Exchange variation adjustment - - (10,671) - - (10,671) - (10,671) Net change in fair value - financial assets at FVOCI - - (111,911) - - (111,911) - (111,911) Acquisition of non-controlling interest without a change in control - 5,127,552 (613,718) - - 4,513,834 (5,712,358) (1,198,524) Balances on June 30, 2022 - Inter & Co, Inc. 13 7,842,630 (808,584) - - 7,034,059 81,322 7,115,381 The notes are an integral part of these consolidated financial statements. 13

Inter & Co, Inc. Unaudited consolidated interim statements of added value as of June 30, 2022 and 2021 (Amounts in thousands of Brazilian reais, unless otherwise stated) 06/30/2022 06/30/2021 Revenues Revenues 1,155,131 610,070 Interest income Interest income 1,906,310 745,697 Provision of services Provision of services 444,734 211,876 Impairment losses on financial assets Impairment losses on financial assets (555,410) (274,110) Other operating revenues/expenses Other revenues 223,779 123,547 Interest expenses Expenses (864,282) (196,940) Interest (864,282) (196,940) Input from third parties Input from third parties (605,068) (358,970) Materials, energy and others Materials, energy and others (139,351) (42,315) Third-party services Third-party services (63,003) (37,517) Others Others (402,714) (279,138) Telecommunications and data processing Telecommunications and data processing (327,892) (219,768) Publicity and advertising Publicity and advertising (74,822) (59,370) Added value gross Added value gross 550,063 251,100 Deduction Deduction (71,989) (44,504) Depreciation and amortization Depreciation and amortization (71,989) (44,504) Net added value produced by the Bank Net added value produced by the Bank 478,074 206,596 Added value received in transfer Added value received in transfer (10,062) 3,893 Income from equity interests in affiliates Income from equity interests in affiliates (10,062) 3,893 Total added value to distribute Total added value to distribute 468,012 210,489 Distribution of added value Distribution of added value 468,012 210,489 Personnel and tax Personnel and tax 269,192 149,784 Remuneration Remuneration 221,288 118,572 Benefits Benefits 35,550 23,629 FGTS FGTS 12,354 7,583 Taxes, contributions and fees Taxes, contributions and fees 190,210 82,059 Federal Federal 169,953 71,585 Municipal Municipal 20,257 10,474 Rent Rent 21,231 11,370 Interest Interest 676 467 Profit (losses) retained/reversed in the period Profit (losses) retained/reversed in the period 25 (13,318) (20,688) Non-controlling interest Non-controlling interest 25 21 (12,503) The notes are an integral part of these consolidated financial statements. 14

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 15 Inter & Co, Inc. Notes to the unaudited consolidated interim financial information (Amounts in thousands of Brazilian reais) 1 Activity and structure of Inter and its subsidiaries Inter & Co, Inc., formerly Inter Platform Inc, is a company in the Cayman Island with limited liability, incorporated on January 26, 2021. On May 7, 2021, Inter Platform Inc (the Company and, together with its consolidated companies, the Group) completed the first step of its corporate reorganization process (the Restructuring) involving two new non-operating companies with no assets, liabilities or contingencies: the Company, located in the Cayman Islands, and Inter Holding Financeira S.A. (HoldFin), located in Brazil. In this first step, the controlling shareholder of Banco Inter S.A. (Inter or Banco Inter), some of his family members, and another founding shareholder of Banco Inter (the Controlling Shareholder and Others) became the holders of 100% of the shares of the Company, which, in turn, holds 100% of HoldFin (intermediate holding company) which, in turn, holds the controlling equity interest in Banco Inter, previously held by the Controlling Shareholder and Others. As a result, the Company and HoldFin have become the indirect and direct controlling entities of Banco Inter, respectively, thus the ultimate shareholders of Banco Inter and its voting and non-voting interest were the same before and after the restructuring. On April 8, 2022, the corporate name of "Inter Platform Inc" was changed to "Inter & Co, Inc" through an official company registration in the Cayman Islands. See illustration below (first step of the corporate reorganization): In the second quarter of 2022, the shareholders of Inter approved the proposal for migration of the shares from B3 to the American stock exchange (Nasdaq). At the Extraordinary General Meeting (EGM) held on May 12, 2022, more than 85% of the attendees approved the corporate reorganization project, which allowed the

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 16 Inter & Co, Inc. Company’s listing in the United States. Such corporate reorganization project aimed at transferring the shareholding base from Banco Inter to Inter & Co, Inc. and, consequently, the compliance with certain corporate stages was necessary, as summarized below: - On June 13, 2022,the Company received a contribution from one of the shareholders of Banco Inter through a capital increase made to New LA BI LLC (“New LLC”), a non-operating company with no assets, liabilities or contingencies, which became the holder of the shares of Banco Inter on that date. On the same date, New LLC became the holder of 100% of the shares of HoldFin. - On June 20, 2022, HoldFin incorporated the free float shares held by the other shareholders of Banco Inter, through delivery of redeemable preferred shares of its own issue. These redeemable shares were repurchased on the same date by HoldFin, upon a cash-out payment and delivery of BDRs (Brazilian Depositary Receipts) backed by shares of Inter & Co previously contributed to HoldFin by the Company. After the aforementioned movements, HoldFin. became the holder of 100% of the outstanding shares of Banco Inter S.A. See illustration (second stage of the corporate reorganization). After the conclusion of the previously described stages, Inter & Co, Inc. (INTR) started trading shares on Nasdaq, in New York, on June 23, 2022. Inter & Co, Inc. accounted for the Restructuring as a common control transaction, and the pre-restructuring carrying amounts of Banco Inter were included in the Inter & Co, Inc unaudited consolidated interim financial statements at book value (carryover basis). Thus, these unaudited consolidated interim financial statements

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 17 Inter & Co, Inc. reflect: For the six-month period ended June 30, 2021 1. The contribution of Banco Inter consolidated assets and liabilities at book value on May 7, 2021; 2. The recognition of non-controlling interest on May 7, 2021 relating to the Banco Inter shareholders that are not part of the Controlling Shareholder and Others, measured at the proportion of their economic interest in the book value of the consolidated net assets of Banco Inter at that date; 3. The consolidated income statements of Banco Inter from January 1, 2021 to May 6, 2021 aggregated with the consolidated income statements of the Group from May 7, 2021 to June 30, 2021; 4. The consolidated cash flows of Banco Inter from January 1, 2021 to May 6, 2021 aggregated with the consolidated cash flows of the Group from May 7, 2021 to December 31, 2021; For the six-month period ended June 30, 2022 The historical operating results, cash flows and financial position of the Group, based on the balances of Banco Inter and its subsidiaries, which are operating companies. The number of common shares issued by Inter & Co, Inc. is reflected retroactively to March 31, 2021, for purposes of calculating earnings per share. Inter's objective is to act as a multi-service digital bank for individuals and companies, and its main activities include real estate credit, payroll loans, corporate credit, rural credit, credit card operations, current accounts, investments, insurance services, and a marketplace for non-financial services provided through its subsidiaries. The operations are carried out in the context of the group of companies, operating in the market in an integrated manner. 2 Preparation basis a. Compliance statement The unaudited consolidated interim financial statements of Inter & Co, Inc. have been prepared in accordance with IAS 34 - Interim Financial Reporting, with the option of presenting the Complete unaudited consolidated interim Financial Statements, issued by the International Accounting Standards Board (IASB).

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 18 Inter & Co, Inc. These unaudited consolidated interim financial statements were authorized for issue by the Company’s Board of Directors on August 12, 2022. b. Functional and presentation currency These unaudited consolidated interim financial statements are presented in Brazilian Reais (BRL or R$), the Group’s functional currency. All balances have been rounded to the nearest thousand, unless otherwise noted. c. Use of estimates and judgments In preparing these unaudited consolidated interim financial statements, management has made judgments, estimates and assumptions that affect the application of the accounting policies of the Group and the reported amounts of assets, liabilities, revenues and expenses. Actual results may differ from such estimates. d. Judgments The information on judgments made in the application of the accounting policies that have significant effects on the amounts recognized in the financial statements is included in the following notes: • Classification of financial assets (see notes 6 and 7) - evaluation of the business model in which the assets are held and evaluation if the contractual terms of the financial asset relate only to payments of principal and interest (SPPI test). • The measurement of the provision for expected credit losses on financial assets measured at amortized cost and fair value through other comprehensive income (FVOCI) requires the use of complex quantitative models and assumptions about future economic conditions and credit behavior. Several significant judgments are also needed to apply the accounting requirements for measuring expected credit loss, such as: determining the criteria to evaluate the significant increase in credit risk; selecting quantitative models and appropriate assumptions for measuring expected credit loss; and establishing different prospective scenarios and their weighting, among others. • Consolidation (note 4.1): whether Inter has de facto control over an investee; • Equity accounted investees (Note 14): whether Inter has significant influence over an investee. (ii) Uncertainties related to assumptions and estimates Information on the uncertainties related to assumptions and estimates with a significant risk of resulting in a material adjustment in accounting balances of assets and liabilities are included in the following notes:

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 19 Inter & Co, Inc. • Deferred tax assets (see note 32c) - availability of future taxable income. • Fair value of financial instruments, including derivative financial instruments (see notes 6, 7 and 12) - Determination of the fair value of financial instruments with significant non-observable inputs • Expected credit loss (see notes 6 and 10b) - determination of inputs into the ECL measurement model, including key assumptions used in estimating recoverable cash flows and incorporation of forward-looking information. 3 Changes to significant accounting policies A number of new standards, amendments and interpretations were effective from January 1, 2022, however, their adoption did not have a significant effect on the Group’s financial statements. Below are presented the new and not yet effective standards: New and not yet effective accounting standards - Amendments to IAS 1 and IFRS 2 Practice statement - Disclosure of accounting policies - Amendments to IAS 8 - Definition of accounting estimates - New issue: IAS 32 - Financial instruments: Presentation - Accounting for subscription warrants initially classified as liabilities - Proposed amendments to IAS 21 - Lack of interchangeability - Amendments to IAS 12 - Deferred tax related to assets and liabilities arising from a single transaction - IFRS 17 Insurance contracts - IFRS 17 will be effective for annual reporting periods beginning on or after January 1, 2023. The new and revised pronouncements, when adopted, will not have a material impact on the unaudited consolidated interim financial statements. 4 Significant accounting policies The accounting policies described below were applied in all periods presented in the unaudited consolidated interim financial statements. 4.1. Subsidiaries Companies that the Company controls are classified as subsidiaries. The Company

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 20 Inter & Co, Inc. controls an entity when it is exposed to, or has rights to the variable returns arising from its involvement with the entity and has the ability to use its power over such entity to affect the amount of their returns. The subsidiaries are consolidated in full as from the date the Company gains control of their activities until the date on which control ceases to exist. With regard to the significant restrictions on the Group’s ability to access or use the assets and settle the Group's liabilities, only the regulatory restrictions, linked to the compulsory reserves maintained in compliance with the requirement of the Central Bank of Brazil, which restrict the ability of subsidiaries of Banco Inter to transfer cash to other entities within the economic group. There are no other legal or contractual restrictions and no guarantees or other requirements that may restrict that dividends and other capital distributions are paid or that loans and advances are made or paid to (or by) other entities within the economic group. Additionally, Resolution No. 4,693 of the National Monetary Council stipulates limits on credit operations between related parties, the amounts of which cannot represent more than 10% of the institutions adjusted equity, less the value of the interests held by such institution in other institutions authorized to operate by the Central Bank and in financial institutions abroad, as well as the individual maximum limits of (i) 1% for hiring natural personnel; and (ii) 5% for contracting with legal entities. The following table shows the subsidiaries in each year: i. Non-controlling interest The Group recognizes the portion related to non-controlling interests in equity in the consolidated balance sheet. In transactions involving purchase of interests with non-controlling shareholders, the difference between the amount paid and the Share in the capital (%) Entity Branch of Activity 06/30/2022 12/31/2021 Direct subsidiaries New LA BI LLC Holding Company 100.0% - Share in the capital (%) Entity Branch of Activity 06/30/2022 12/31/2021 Indirect subsidiaries Inter Holding Financeira S.A. Holding Company 100.0% 100% Banco Inter S.A. Multiple Bank 100.0% 31.4% Inter Distribuidora de Títulos e Valores Mobiliários Ltda. TVM Distributor 98.3% 30.9% Inter Digital Corretora e Consultoria de Seguros Ltda. Insurance broker 60.0% 18.8% Inter Marketplace Ltda. Marketplace 100.0% 31.4% Inter Asset Holding S.A. Asset management 70.0% 22.0% Inter Titulos Fundo de Investimento Investment Fund 98.1% 30.7% BMA Inter Fundo De Investimento Em Direitos Creditórios Multissetorial Investment Fund 91.7% 28.3% TBI Fundo De Investimento Renda Fixa Crédito Privado Investment Fund 100.0% 31.4% TBI Fundo De Investimento Crédito Privado Investimento Exterior Investment Fund 100.0% 31.4% IM Designs Desenvolvimento de Software Ltda. Provision of services 50.0% 15.7% Acerto Cobrança e Informações Cadastrais S.A. Provision of services 60.0% 18.9% Pronto Money Transfer Inc. (Usend) Provision of services 100.0% - Inter Asset Gestão de Recursos Ltda Asset management 70.0% 22.0% Inter Café Ltda. Provision of services 100.0% 31.4% Inter Boutiques Ltda. Provision of services 100.0% 31.4% Inter Food Ltda. Provision of services 70.0% 22.0%

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 21 Inter & Co, Inc. interest acquired is recorded in equity. Gains or losses on sales to non-controlling shareholders are also recorded in equity. The participation percentages as of December 31, 2021 were impacted by the corporate reorganization and show the indirect share in the capital held by Inter & Co, Inc. The Company holds more than 50% of the voting capital of all the indirect subsidiaries.

Unaudited consolidated interim financial statements as of and for the six- month periods ended June 30, 2022 and 2021 22 Inter & Co, Inc. The following table shows the amounts segregated of each subsidiary: Assets Liabilities Equity Other comprehensive income Revenues Income (loss) for the six-month period Dividends paid 06/30/2022 12/31/2021 06/30/2022 12/31/2021 06/30/2022 12/31/2021 06/30/2022 12/31/2021 06/30/2022 06/30/2021 06/30/2022 06/30/2021 06/30/2022 12/31/2021 Direct subsidiaries New LA BI LLC 7,034,182 - - - 7,034,182 - 4,470,232 - - - 13,196 - - - Indirect subsidiaries Inter Holding Financeira S.A. 8,206,294 2,670,530 1,172,112 14,405 7,034,182 2,656,124 (256,534) - (3,779) 14,155 (13,196) 7,101 - - Banco Inter S.A. 40,558,431 36,433,640 32,209,882 27,945,001 8,348,549 8,488,640 (334,777) (212,195) 2,638,601 1,226,356 29,000 24,560 38,061 (41,491) Inter Distribuidora de Títulos e Valores Mobiliários Ltda. 391,849 368,212 327,905 317,647 63,944 50,565 - - 63,103 24,448 13,732 1,838 - - Inter Digital Corretora e Consultoria de Seguros Ltda. 115,222 124,671 92,259 69,890 22,963 54,781 - - 67,556 41,166 32,713 29,524 - (35,647) Inter Marketplace Ltda. 318,195 231,051 98,648 90,756 219,547 140,295 - - 177,816 91,921 79,972 46,214 - - Inter Asset Holding S.A. 4,082 7,148 1 3,098 4,081 4,050 - - 4,465 4,445 3,175 2,151 (1,666) - Inter Titulos Fundo de Investimento 50,304 50,195 339 304 49,965 49,891 - - 7,487 9,922 2,284 677 - - BMA Inter Fundo De Investimento Em Direitos Creditórios Multissetorial 529,298 389,497 2,611 1,339 526,687 388,158 - - 40,392 9,366 32,793 6,875 - - TBI Fundo De Investimento Renda Fixa Credito Privado 472,408 443,843 212 154 472,196 443,689 - - 36,911 75,636 28,507 4,614 - - TBI Fundo De Investimento Crédito Privado Investimento Exterior 14,069 14,725 12 63 14,057 14,662 - - 14,873 - (605) - - - IM Designs Desenvolvimento de Software Ltda. 17,289 6,145 799 573 16,491 5,572 - - 5,547 - 1,251 - - - Acerto Cobrança e Informações Cadastrais S.A. 19,138 18,862 2,557 1,815 16,580 17,047 - - 9,511 5,217 (467) (1,377) - - Pronto Money Transfer Inc. (Usend) 222,421 - 154,597 - 67,825 - 463 - 27,132 - (10,732) - - - Inter Asset Gestão de Recursos Ltda 7,422 7,128 3,357 3,097 4,065 4,031 - - 7,949 6,680 4,469 1,657 - - Inter Café Ltda. 1,315 553 1,901 1,187 (587) (634) - - 1,627 - (54) - - - Inter Boutiques Ltda. 1,764 2,198 923 1,822 841 377 - - 2,623 - 185 - - - Inter Food Ltda. 36,806 2,729 2,972 333 33,833 2,396 - - 40,368 78 31,437 (79) - -

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 23 Inter & Co, Inc. ii. Balances and transactions eliminated on consolidation Intra-group balances and transactions, including any unrealized gains or losses arising from intra-group transactions, are eliminated in the consolidation process. Unrealized losses are eliminated only to the extent that there is no evidence of impairment. 4.2. Business combination Pronto Money Transfer Inc. (USEND) On January 14, 2022, Banco Inter S.A. 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 customers 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 customers, 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. i. Consideration transferred The following table summarizes the amounts of consideration transferred: In thousands of Brazilian reais Cash 631,901 Capital increase 37,644 Amounts payable (a) 89,434 Total consideration transferred 758,979 (a) Part of the amounts initially recorded at the acquisition date were paid through Inter & Co Inc. stock options, to be carried out by USEND's key executives in three installments, in December 2022, 2023 and 2024, in the total number of 1,132,885 "class A" shares. In the six-month period ended June 30, 2022, R$11,514 was recognized as share-based payment in line item “ Personnel expenses ” with a corresponding entry to equity.

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 24 Inter & Co, Inc. Identifiable assets acquired, liabilities assumed and goodwill The fair value of identifiable assets and liabilities of USEND at the acquisition date is as follows: In thousands of Brazilian reais Assets 236,087 Cash and cash equivalents (note 8) 160,556 Loans and advances to financial institutions (note 10) 17,861 Securities (note 11) 4,486 Property and equipment (note 15) 6,227 Other assets (note 17) 46,957 Liabilities (156,642) Borrowing and onlending (note 21) (2) Other liabilities (note 24) (156,640) Total net identifiable assets at fair value 79,445 Goodwill on acquisition 679,534 Total consideration 758,979 (a) 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 these interim financial statements, the study is still in the preparation phase. The preliminary goodwill in the amount of R$679,534 resulting from the acquisition comprises the value of future economic benefits arising from the synergies from part of our internationalization strategy that will open our way to the global market even more, facilitating our operations abroad. ii. Acquisition costs 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. iii. (iv.1.1.3) Contribution to the Group's results The contributions to the results for the period can be seen in note 4.1, “Revenues” column.

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 25 Inter & Co, Inc. Inter Café Ltda. On December 20, 2021, Marketplace acquired Inter Café, a company that provides cafeteria services selling food prepared for consumption at the cafeteria. i. Consideration transferred The consideration transferred for the acquisition of Inter Café was R$10 at fair value and was paid in a single payment. ii. Identifiable assets acquired, liabilities assumed and goodwill The fair value of identifiable assets and liabilities of Inter Café at the acquisition date is as follows: Assets 553 Cash and cash equivalents (note 8) 51 Property and equipment (note 15) 244 Other assets (note 17) 258 Liabilities (1,178) Other liabilities (note 24) (1,178) Total net identifiable assets at fair value (625) Goodwill on acquisition 635 Total consideration 10 (a) Marketplace 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, as of the date of this 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 acquisitions and the values of the net assets in the investees were allocated as goodwill at Inter Marketplace. Inter Boutiques Ltda. On December 20, 2021, Marketplace acquired Inter Boutiques, which is engaged in sale on the internet, intermediation of services and business in general; retail trade in department stores and holding of ownership interests in other companies a partner, shareholder or unitholder.

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 26 Inter & Co, Inc. This new investment has online and offline experiences throughout Brazil. Adding the provision of services for the sales of goods on the digital platform offered by Marketplace. i. Consideration transferred The consideration transferred for the acquisition of Inter Boutiques was R$10 at fair value and was paid in a single payment. ii. Identifiable assets acquired, liabilities assumed and goodwill The fair value of identifiable assets and liabilities of Inter Boutiques at the acquisition date is as follows: In thousands of Brazilian reais Assets 2,198 Cash and cash equivalents (note 8) 21 Other assets (note 17) 2,177 Liabilities (1,822) Other liabilities (note 24) (1,822) Total net identifiable assets at fair value 377 Goodwill on acquisition (367) Total consideration 10 (a) Marketplace engaged an independent valuation service to prepare the study for the purchase price allocation (“PPA”) in the identifiable assets acquired, liabilities assumed and goodwill. However, as of the date of this quarterly financial information, the study is still in the preparation phase and should be completed and account for its effects by the end of 2022. On a provisional basis, the differences between the amounts paid in the acquisitions and the values of the net assets in the investees were allocated as goodwill at Inter Marketplace. IM Designs Desenvolvimento de Software Ltda. On July 1st, 2021, Inter acquired “IM Designs”, a company specialized in developing 3D tools for the creation of visualization projects for indoor and outdoor environments, through virtual reality, augmented reality and mixed reality. i. Consideration transferred The consideration transferred for the acquisition of IM Designs was R$ 15,000 of which R$ 10,000 has already been paid and another R$ 5,000 is payable.

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 27 Inter & Co, Inc. ii. Identifiable assets acquired, liabilities assumed and goodwill The fair value of the identifiable assets and liabilities of IM Designs at the acquisition date is as follows: In thousands of Brazilian reais Assets 652 Cash and cash equivalents (note 5) 230 Property and equipment (note 15) 112 Other assets (note 17) 310 Liabilities (188) Other liabilities (note 24) (188) Total net identifiable assets at fair value 464 Goodwill on acquisition (a) 14,536 Total 15,000 (a) 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, as of the date of this 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 acquisitions and the values of the net assets in the investees were allocated as goodwill at Inter Marketplace. Inter Food Ltda On April 13, 2021, Banco Inter acquired the shareholding control of “Inter Food”, mainly engaged in the provision of the program of benefits through an application to consumers and restaurants under the Inter Food brand, through the acquisition of 70% of its voting shares. The operations of Inter Food are held within the subsidiary Inter Marketplace Ltda. i. Consideration transferred The consideration transferred for the acquisition of Duo Gourmet was R$8,350, of which R$3,210 in cash, R$4,140 in installments, and R$1,000 as capital contribution to the investee. ii. Identifiable assets acquired, liabilities assumed and goodwill The fair value of identifiable assets and liabilities of Duo Gourmet at the acquisition

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 28 Inter & Co, Inc. date is as follows: In thousands of Brazilian reais Assets 5,349 Cash and cash equivalents (note 8) 474 Securities (note 11) 264 Intangible assets (note 16) 4,611 Liabilities (51) Tax liabilities (note 22) (49) Other liabilities (note 24) (2) Total net identifiable assets at fair value 5,298 Goodwill on acquisition 3,052 Total consideration 8,350 (i) Marketplace 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 goodwill in the amount of R$3,052 resulting from the acquisition comprises the value of future economic benefits arising from the synergies with the objective of pursuing growth in the share of meals outside the home (off-line experience) combining advantages for the Inter customer through its Super App (online channel). a. Transactions in foreign currency Transactions in foreign currency are translated into the respective functional currencies of the Group’s entities by the spot exchange rates on the dates of the transactions. Monetary assets and liabilities denominated in foreign currencies at reporting dates are translated into the functional currency at the spot exchange rate at that date. Non-monetary assets and liabilities measured at fair value in foreign currency are translated into the functional currency at the spot exchange rate at the date on which the fair value is determined. Non-monetary items that are measured based on historical cost in a foreign currency are translated using the spot exchange rate at the date of the transaction. Foreign currency differences arising on translation are generally recognized in profit or loss. b. Cash and cash equivalents The balance of cash and cash equivalents consists of cash held and bank deposits on demand (in Brazil and abroad) and other short-term highly liquid investments with original maturity dates not exceeding three (3) months that are subject to insignificant risk of changes in their fair value. These instruments are used by the Group to manage its short-term commitments.

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 29 Inter & Co, Inc. c. Financial assets and liabilities Financial assets and liabilities are initially booked at fair value, and subsequently, measured at amortized cost or fair value. i. Classification and measurement of financial assets Financial Instruments are classified as financial assets into the following measurement categories: • Amortized cost; • Fair value through other comprehensive income (FVOCI); or • Fair value through profit or loss (FVTPL). The classification and subsequent measurement of financial assets depend on: • The business model in which they are managed; • The characteristics of their cash flows (Solely Payment of Principal and Interest Test - SPPI Test). Business model: represents the way in which the financial assets are managed to generate cash flows and does not depend on management’s intentions regarding an individual instrument. Financial assets may be managed for the purpose of: i) collecting contractual cash flows; ii) collecting contractual cash flows and selling assets; or iii) others. To evaluate business models, the Group considers the risks affecting the performance of the business model; and how the performance of the business model is assessed and reported to management. When the financial asset is held in business models “i” and “ii” above, the SPPI Test needs to be applied.

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 30 Inter & Co, Inc. SPPI Test: assessment of cash flows generated by the financial instrument in order to verify whether they refer only to payments of principal and interest, which includes only consideration for the time value of money, credit risk and other basic lending risks. If the contractual terms introduce exposure to risks or volatility in cash flows, such as exposure to changes in the prices of equity instruments, the financial asset is classified as at fair value through profit or loss. Hybrid contracts shall be assessed as a single unit, including all embedded features. Classification Based on these factors, Inter applies the following criteria for each classification category: Amortized cost • Assets managed to obtain cash flows consisting only of payments of principal and interest (SPPI Test); • Initially recognized at fair value plus transaction costs; • Subsequently measured at amortized cost, using the effective interest rate; • Interest, including the amortization of premiums and discounts, is recognized in the Income Statement under the line item Interest income calculated using the effective interest method. Financial assets at fair value through other comprehensive income • Assets managed both to obtain cash flows consisting only of payments of principal and interest (SPPI Test) and from sale; • Initially recognized at fair value plus transaction costs and subsequently measured at fair value; • Interest income is recognized in the Income Statement using the effective interest rate under the line item Interest income calculated using the effective interest method; • Expected credit losses are recognized in the Income Statement; • Unrealized gains and losses (except expected credit losses, currency rate differences, dividends and interest income) are recognized, net of applicable taxes, as other comprehensive income under the line item Financial assets at FVOCI - Net change in fair value. Financial assets at fair value through profit or loss • Assets that do not meet the classification criteria of the previous categories; or assets designated at initial recognition as at fair value through profit or loss to reduce "accounting mismatches"; • Initially recognized and subsequently measured at fair value; • Transaction costs are recorded directly in the Income Statement;

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 31 Inter & Co, Inc. • Gains and losses arising from changes in fair value are recognized in the Income Statement in the line-item Net gains / (losses) from derivatives or Income from securities. Regular purchases and sales of financial assets are recognized and derecognized, respectively, on the trading date. Financial assets are derecognized when the rights to receive cash flows expire or when the Group transfers substantially all the risks and rewards. When the Group neither transfers nor retains substantially all the risks and rewards, the Group assesses if it has maintained control. If the Group has not retained control, then it derecognizes the asset. If the Group has retained control, then it continues to recognize the asset to the extent of its continuing involvement. Financial assets and liabilities are offset and the net amount is reported in the balance sheet only when there is a legal right to offset the amounts recognized and there is the intention to settle them on a net basis or to realize the asset and settle the liability simultaneously. Equity instruments An equity instrument is any contract proving a residual interest in the assets of an entity, after deducting all its liabilities, such as Shares and Quotas. The Group measures all its equity instruments held at fair value through profit or loss. Gains and losses on equity instruments measured at fair value through profit or loss are recorded in the Income Statement. Effective interest rate The effective interest rate is established on initial recognition of financial assets and liabilities and is the rate that discounts estimated future receipts or payments over the expected life of the financial asset or liability to the value at initial recognition. For the calculation of the effective interest rate, the Group estimates the cash flows considering all the contractual terms of the financial instrument but does not consider future credit losses. The calculation includes all commissions paid or received between the parties to the agreement, transaction costs and all other premiums or discounts. Interest income is calculated by applying the effective interest rate to the gross carrying amount of the financial asset.

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 32 Inter & Co, Inc. Fair value Fair value is the price that would be received for the sale of an asset or that would be paid by the transfer of a liability in an orderly transaction between market participants at the measurement date. Details on the fair value of financial instruments as well as on the fair value hierarchy are presented in Note 7. Expected credit loss The Group assesses, on a prospective basis, the expected credit loss associated with financial assets measured at amortized cost or at fair value through other comprehensive income. The recognition of the provision for expected credit loss is made on each reporting date and an expense is recognized in the income statement. In the case of financial assets measured at fair value through other comprehensive income, the Group recognizes the expense for provision for credit losses in the income statement and adjusts the fair value gains or losses recognized in other comprehensive income. Measurement of expected credit loss Financial assets: the loss is measured at the present value of the difference between the contractual cash flows and the cash flows that the Group expects to receive discounted at the effective rate charged; Loan commitments: the loss is measured at the present value of the difference between the contractual cash flows that would be payable if the commitment was honored and the cash flows that the Group expects to receive; Financial guarantees: the loss is measured by the difference between the expected payments to the counterparty and the amounts that the Group expects to recover. At every reporting period, the Group evaluates the expected loss of its credit portfolio. The expected loss is calculated using the following inputs: probability of default (PD), loss given default (LGD) and exposure at default (EAD). For the calculation of expected credit loss, the credit portfolio is divided into products with similar characteristics, for example, transactions with real estate guarantee form a group for the purposes of statistical modeling. Other product divisions include: credit cards; payroll loans; business loans, etc. For the estimation of LGD, a workout period - asset recovery - of up to 60 months is considered, given

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 33 Inter & Co, Inc. the nature of the operations, such as, for example, real estate credit, in which the collection and sale of an asset can extend over longer periods. However, to calculate the recovered value, the loss of value over time is considered, in order to measure the economic impacts on that asset. As part of the estimation of the expected credit loss, each contract is classified in one of three risk stages. The first includes operations with no significant increase in credit risk since recognition, with the expected loss calculated over the following twelve months. The second group includes contracts with a significant increase in credit risk, namely: contracts overdue for more than 30 days and contracts which have been renegotiated or which are in the cure period. For this group, the expected loss is calculated over the remainder of the contractual term. The third group includes contracts that are more than 90 days overdue and / or evidence credit impairment - that is, are in default. Finally, in order to incorporate the macroeconomic perspectives that might affect the financial conditions of the portfolio, a correction factor based on a macroeconomic model is used; it considers the main market indicators: Interbank deposit certificate (CDI), broad national consumer price index (IPCA), gross domestic product (PIB) and minimum wage. The probability of default of each product group is calibrated using a multiplier, which contemplates the forecasts for the variables mentioned above, with variations that represent a base scenario and a market stress scenario. The forecasts of the macroeconomic variables used are obtained by means of a study by the Research department of Inter, in addition to the evaluation of external forecasts. To determine the provision for expected losses, the PD calibrated by the macroeconomic model is multiplied by the LGD and EAD of each operation, which results in the final expected credit loss of each asset. The areas of credit risk and data intelligence are responsible for defining the methodologies and modeling used to measure the expected loss in credit operations and to assess the evolution of the provision amounts, on a recurrent basis. Such areas monitor the trends noticed in the provision for expected credit loss by segment, in addition to establishing an initial understanding of the variables that may trigger changes in provision, PD or LGD. Modification in contractual cash flows When the contractual cash flows of a financial asset are renegotiated or otherwise modified and this does not substantially change its terms and conditions, the Group does not derecognize the asset. However, the gross book value of this financial asset

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 34 Inter & Co, Inc. is recalculated as the present value of the renegotiated or modified contractual cash flows discounted at the original effective interest rate. Any costs or fees incurred adjust the modified carrying amount and are amortized over the remaining term of the financial asset. Differences between the carrying value prior to and following the renegotiation are recognized immediately in the Income Statement. If, on the other hand, the renegotiation or modification substantially changes the terms and conditions of the financial asset, the Group derecognizes the original asset and recognizes a new one. Accordingly, the renegotiation date is considered to be the date of initial recognition of the new asset for purposes of calculating expected credit loss, including to determine significant increases in credit risk. The Group also assesses whether the new financial asset may be considered as originated or purchased with credit recovery problems, particularly when the renegotiation was caused by financial difficulties of the debtor. Differences between the carrying value of the original asset and the fair value of the new asset are recognized immediately in the Income Statement. Write-off of financial assets When there is no reasonable expectation of the recovery of a financial asset, considering historical curves, its total or partial write-off is made simultaneously with the reversal of the related provision for expected credit loss, with no net effect in the Income Statement. Subsequent recoveries of amounts previously written-off are recorded as gains in the Income Statement. ii. Classification and measurement of financial liabilities Financial liabilities are initially recognized at fair value and subsequently measured at amortized cost, except for: Financial liabilities at fair value through profit or loss: classification applied to derivatives and other financial liabilities designated at fair value through profit or loss to reduce "accounting mismatches". The Group designates financial liabilities, irrevocably, at fair value through profit or loss on initial recognition (fair value option), when the option reduces or significantly eliminates measurement or recognition inconsistencies. Derecognition and modification of financial liabilities The Group derecognizes a financial liability from the balance sheet when it is extinguished, i.e., when the obligation specified in the agreement is discharged, canceled or expired. An exchange of debt instrument or substantial modification of the terms of a financial liability result in the derecognition of the original financial liability and the recognition of a new one.

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 35 Inter & Co, Inc. iii. Derivatives All derivatives are recorded as financial assets when the fair value is positive, and as financial liabilities when the fair value is negative. The Group has opted to continue to apply the accounting hedge requirements set forth in IAS 39 as at June 30, 2022, however, it may adopt the IFRS 9 requirements in future periods. Pursuant to this rule, derivatives may be designated and qualified as hedge instruments for accounting purposes and, depending on the nature of the hedged item, the method for recognizing fair value gains or losses will be different. All the following conditions shall be met to qualify as an accounting hedge: • At the beginning of hedge, there is a formal designation and documentation of the hedge relation and the objective and strategy of the entity's risk management; • It is expected that hedge will be highly effective in achieving offsetting changes in the fair value or in the cash flows attributable to the hedged risk, consistent with the risk management strategy originally documented for this hedge relationship; • For a cash flow hedge, an expected transaction that is subject to the hedge shall be highly likely and generate changes in cash flows that could ultimately affect profit or loss; • The hedge effectiveness can be reliably measured, i.e., the fair value or the cash flows of the hedged item attributable to the hedged risk and the fair value of the hedging instrument can be reliably measured; and • The hedge effectiveness is measured on an ongoing basis and determined to be highly effective during all periods for which it was designated. There are three possible types of hedges under the standards: fair value hedge, cash flow hedge and hedge of net investment in a foreign subsidiary. The Group uses only fair value hedge with derivatives as the hedging instruments. For derivatives designated and qualified as part of a fair value hedge, the following practices are applied: a) The gain or loss resulting from the re-measurement of the hedging instrument at fair value is recognized in profit or loss; and b) The gain or loss resulting from the fair value measurement of the hedged item attributable to the designated risk is recognized in profit or loss. When the derivative expires or has been sold and the hedge or the accounting hedge criteria cease to be met, or the Group revokes the designation, the Group discontinues prospectively the hedge accounting. Any adjustment to the carrying amount of the hedged item is amortized in profit or loss.

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 36 Inter & Co, Inc. In compliance with its risk management policies, as described in note 7, the Group uses derivative financial instruments, mainly swap registered with B3 (Brazil, Bolsa, Balcão), in market risk hedges of certain loans and advances to customers. The derivative financial instruments are presented in note 12. iv. Loan commitments and financial guarantees Loan commitments and financial guarantees are initially recognized at fair value. Subsequently this fair value is amortized over the life of the contract. If the Group concludes that the expected credit loss in respect of the contract is higher than the initial fair value less accumulated amortization, the contract is measured at the expected credit loss amount. d. Non-current assets held for sale Non-current assets held for sale include properties repossessed in debt. These are classified as held for sale if their book value is expected to be recovered mainly through sale instead of use. This condition is met only when the sale is highly probable and the non-current asset is available for immediate sale in its current condition. Management must be committed to the sale, which, on recognition, is expected to be considered completed within one year of the classification date. The reclassification of assets to this balance sheet line item, when this condition is met, is carried out at the lower of its carrying amount and the fair value less costs to sell of the asset. The fair value less costs to sell of the properties is determined using the sales history of the previous year's inventory segregated according to the occupancy status (occupied or unoccupied) of the property. Subsequently, impairment is recognized if the fair value less costs to sell is lower than the book value. e. Property and equipment (i) Recognition and measurement Property and equipment items are measured at historical cost, excluding maintenance expenses, less accumulated depreciation and any accumulated impairment losses. The cost includes expenses directly attributable to the acquisition of the asset. The cost of assets generated internally includes the cost of materials and direct labor as well as any other directly attributable costs required to make it ready for its intended use. Purchased software that is integral to the functionality of the related equipment is recorded as part of that equipment. The useful lives and residual values of the assets are reevaluated and adjusted, if necessary, on each balance sheet date or when applicable.

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 37 Inter & Co, Inc. Gains and losses on the sale of property and equipment (calculated as the difference between the proceeds from the sale and the carrying value of property and equipment) are recorded in the Income Statement. (ii) Subsequent expenditure The cost of repairing or maintaining an item of property and equipment is recognized as part of the cost of the asset, when it is likely that the future economic benefits of the item will flow to the Group over more than one year and its cost can be measured reliably. Other costs of repairs and maintenance are recognized in profit or loss as they are incurred. (iii) Depreciation Depreciation of property and equipment is recognized using the straight-line method over their estimated useful lives to reduce their carrying amount to their estimated residual values. Land is not depreciated. The estimated useful lives of items of property and equipment are as follows: Description Estimated useful lives Buildings, furniture and equipment 10 years Data processing system 5 years The depreciation methods, the useful lives and the residual values are reviewed at each reporting date and adjusted if appropriate. f. Intangible assets (i) Goodwill Goodwill results from the acquisition of subsidiaries and represents the excess of the sum of: (i) transferred consideration; (ii) the value of the non-controlling interest in the acquired company; and (iii), in a business combination achieved in stages, the fair value of the Group’s previously held equity interest in the company, over the fair value of the identifiable net assets acquired. Goodwill is not amortized. (ii) Customer relationships Customer relationships are recognized at fair value on the acquisition date. Subsequently they are measured at cost less accumulated amortization. The amortization is calculated using the linear method over the expected life of the relationship with the customer.

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 38 Inter & Co, Inc. (iii) Purchased software and licenses Purchased software and licenses are capitalized based on the costs incurred to acquire them and make them ready for use. These costs are amortized over their useful lives. (iv) Development cost The cost of intangible assets generated internally includes all directly attributable expenses, necessary for creation, production and preparation of the asset to be able to function as intended by management. Development costs, which are directly attributable to a software development project controlled by the Group, are recognized as intangible assets. Directly attributable costs include the cost for employees allocated to the development of the software and an allocation of the applicable indirect expenses. The costs also include the financing costs incurred during the period of development of the software. The development costs recognized as assets are amortized over their estimated useful life. The costs associated with software maintenance are recognized as expenses, as incurred. (v) Amortization The estimated useful lives of intangible asset items are as follows: Customer relationships 5 years Internally developed software 3 to 5 years The amortization methods and the useful lives are reviewed at each reporting date and adjusted if appropriate. (vi) License for use of software The software licenses are capitalized based on the costs incurred to acquire the software and make them ready for use. These costs are amortized over the estimated service life of the software. The costs of software maintenance are recognized as expenses, as incurred. The development costs, which are directly attributable to the project and the tests of identifiable and exclusive software products controlled by the Group, are recognized as intangible assets. The directly attributable costs, which are capitalized as a part of the software, include the cost for employees allocated in the software development and an allocation of the applicable indirect expenses. The costs also include the borrowing costs incurred during the period of development of the software.

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 39 Inter & Co, Inc. The software development costs recognized as assets are amortized during their estimated service life. g. Impairment of non-financial assets On each reporting date, the Group reviews the carrying amounts of its non-financial assets (other than deferred tax assets) to determine if there is any indication of impairment. In case there is such indication, then the recoverable value of the asset is estimated. Goodwill is tested annually for impairment. For the purposes of assessing impairment, assets are grouped at the lowest level for which there are separately identifiable cash flows (i.e., cash-generating units - CGUs). The recoverable amount of an asset or CGU is the higher of its value in use and its fair value less selling cost. Value in use is based on the estimated future cash flows, discounted to their present value using a pre-tax discount rate that reflects current market assessments of the time value of money and the risks specific to the asset. Impairment losses recognized in prior periods are assessed at each reporting date to detect indications that the loss has decreased or no longer exists. An impairment loss is reversed only to the extent that the carrying amount of the asset does not exceed the carrying amount that would have been determined, net of depreciation and amortization, if no impairment had been recognized. h. Provisions A provision is recognized if, as a result of a past event, the Group has a present, legal or constructive obligation that can be estimated reliably, and it is probable that an outflow of economic benefits will be required to settle the obligation. Provisions are determined based on expected future cash flows discounted at a pre-tax rate that reflects current market assessments of the time value of money and the risks specific to the liability. In establishing provisions, Management considers the opinion of its legal advisors, the nature of the lawsuits, the similarity with previous proceedings, the complexity and the position of the courts and the assessment of the probability of loss. Contingent liabilities are:

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 40 Inter & Co, Inc. • a possible obligation arising from past events and whose existence may only be confirmed by the occurrence of one or more uncertain future events not fully within the Group’s control; or • a present obligation stemming from past events that is not recognized because: • it is not probable that an outflow of resources encompassing economic benefits shall be required in order to settle the obligation; or • the amount of the obligation cannot be measured with sufficient certainty. The provisions are measured at 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 discounted present value of future cash flows required to settle the obligation; and Future events that may change the amount required to settle the obligation. Contingent assets are recognized only when there is a secured guarantee or favorable court rulings over which there are no more appeals, characterizing the gain as practically certain. Contingent assets, whose expectation of success is probable, are disclosed when material. i. Employee benefits (i) Short-term employee benefits Short-term employee benefits are recognized as personnel expenses to the extent the corresponding service is provided. A liability is recognized for the amount expected to be paid if the Group has a present legal or constructive obligation to pay this amount as a result of past service provided by the employee and the obligation may be estimated reliably. (ii) Share-based compensation agreements The fair value at the grant date of share-based compensation agreements granted to employees is recognized as an expense, with a corresponding increase in shareholders’ equity, during the period in which employees unconditionally acquire the right to the awards. The amount recognized as an expense is adjusted to reflect the number of awards for which there is an expectation that service and performance conditions will be met, in such a way that the final value recognized as an expense is based on the number of awards actually meeting the conditions of service and performance on the vesting date.

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 41 Inter & Co, Inc. j. Income taxes: Income tax and social contribution Provisions are calculated considering the tax base in accordance with the relevant legislation and the applicable rates: Deferred tax assets are recognized and measured based on expectations for realization, considering technical studies and analyses made by management. The Group performs a study regarding the likelihood of acceptance by the ultimate taxation authority of any uncertain tax positions it adopts based on its evaluation of different factors, including interpretation of the fiscal laws and past experience. No additional provision was recognized for any of the open fiscal periods. Such evaluation is grounded on estimates and assumptions, which may involve judgments of future events. New information can be made available, which would lead the Group to change its judgment regarding the suitability of the existing provision. Any such changes will impact the income tax expenses in the year they are made. (i) Current taxes Current tax comprises the expected tax payable or receivable on the taxable profit or loss for the year and any adjustment to tax payable in respect of previous years. It is measured based on tax rates enacted or substantively enacted on the date of the balance sheet. (ii) Deferred taxes Deferred tax is recognized in respect of temporary differences between the carrying amounts of assets and liabilities for accounting purposes and the amounts used for taxation purposes. The tax benefit of tax loss carryforwards is recognized only when it is probable that future taxable profits shall be generated in sufficient amounts to allow it to be realized. Income tax and social contribution expenses are recognized in the Income Statement, unless related to the valuation of financial instruments at FVOCI when these are recognized in other comprehensive income. k. Interest Interest income and expenses are calculated using the effective interest rate (see note 4c) for all financial instruments at amortized cost and FVOCI. The fair value changes of derivative financial instruments qualified for fair value hedges of interest rates are recorded as interest income or expenses in the same line item where the changes in the fair value of the hedged items are recorded.

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 42 Inter & Co, Inc. l. Net result from services and commissions The Group recognize revenue using a five step model as follows: • Step 1 - Identify the contract(s) with the customer • Step 2 - Identify the performance obligations in each contract • Step 3 - Determine the transaction price in accordance with the contractual terms. If a contract includes variable consideration, the Group estimates the amount of consideration that it will be entitled to in exchange for transferring the promised goods or services to the customer, applying the constraint. • Step 4 - Allocate the transaction price to the performance obligations in the contract based on their stand-alone selling price. The stand-alone selling price of the service is the price at which the Group would sell a service separately to a customer on a segregated basis. The best evidence of a stand-alone selling price is the observable price of a service when the Group sells that service separately under similar circumstances and to similar customers. If the service is not sold to a customer separately, the stand-alone selling price is estimated using an appropriate method. When estimating a stand-alone selling price, all information (including market conditions) that is available is considered and the use of observable data is maximized. • Step 5 - Recognize revenue when (or as) the entity satisfies a performance obligation (i.e. the service is effectively rendered). The significant revenues of the Group are: • Interchange fees are commission income from card transactions carried out by clients with cards issued by the Group. The performance obligation is satisfied when the transaction is made. The transaction price is pre- defined percentage of the total payment made using the card. • Asset management activities (management of third-party resources) generate management and performance fees. Management fees are recognized as the service is performed in each period. The performance fees are variable and are recognized at the end of each performance period when it is highly probable that a significant reversal will not subsequently occur.

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 43 Inter & Co, Inc. • Income from bank fees is primarily related to account opening fees and fees charged for interbank transfers made by Inter account holders and are recognized when the services are provided. The transaction price is the contractual amount. • Commission and intermediation revenues relate to the intermediation of the sale of products and services. Revenues are recognized when the service of intermediation is performed at which point the performance obligation is satisfied. The transaction price is the contractual amount which, generally, is a percentage of the sale value. m. Equity (i) Capital stock The common and preferred shares are classified in shareholders' equity. Additional costs directly attributable to the issuance of new shares or options are included in equity as a deduction of the amount raised, net of taxes. (ii) Earnings per share Basic earnings per share is calculated by dividing the net earnings attributable to shareholders of the Company by the weighted average number of shares outstanding during the year, excluding the average number of shares held in treasury. The Company has no dilutive potential ordinary shares in issuance. n. Lease The Group does not have significant leases as a lessor. At the inception of a contract, the Group evaluates whether a contract is or contains a lease. A contract is or contains a lease, if the contract transfers the right to control the use of an identified asset for a given period of time in return for compensation. (i) As leases At the beginning or upon amendment of a contract containing a lease component, the Group allocates the compensation in the contract to each lease and non-lease component based on its stand-alone price. However, for property leases, the Group opted not to separate the non-lease components and book the lease and non-lease components as a single lease component. The Group recognizes a right-of-use asset and lease liability on the lease start date. The right-of-use asset is measured initially at cost, which is equal to the value of the initial measurement of the lease liability, adjusted by any lease payments made prior to the start date, plus any initial direct costs incurred by the lessee and estimate of

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 44 Inter & Co, Inc. costs to be incurred by the lessee to dismantle, remove or restore the asset, minus any lease incentives received. The right-of-use asset is subsequently depreciated by the straight-line method from the start date to the end date of the lease term, unless the lease transfers the ownership of the underlying asset to the Group at the end of the lease term, or if the lease includes a purchase option which the Group is reasonably certain to exercise. In these cases, the right-of-use asset is depreciated over the useful life of the asset. Furthermore, the right-of-use asset is periodically assessed for impairment, if any, and adjusted for certain re-measurements of the lease liability. The lease liability is initially measured at present value of the outstanding lease payments discounted by the implicit interest rate of the lease or, if this rate cannot be determined, by the Incremental borrowing rate of the Group. The Group determines its incremental borrowing rate from interest rates on funding received from third parties adjusted to reflect the contract terms and the type of asset leased. The lease payments included in the lease liability measurement comprise the following: • fixed payments; • variable lease payments, which depend on an index or rate, initially measured using the index or the rate on the start date; • amounts expected to be paid by the Group, according to the residual value guarantees; • the price to exercise the purchase option, if the Group is reasonably certain to exercise such option; and • payments of fines for lease termination, if the lease term reflects the exercise of the option of the Group to terminate the lease. • The lease liability is measured at amortized cost, using the effective interest method. It is remeasured when there is a change in future lease payments arising from a change in an index or rate, if there is a change in the Group’s estimate of the amount expected to be payable under a residual value guarantee, if the Group changes its assessment of whether it will exercise a purchase, extension or termination option or if there is a revised in- substance fixed lease payment. When the lease liability is remeasured in this way, a corresponding adjustment is made to the carrying amount of the right-of-use asset or is recorded in profit or loss if the carrying amount of the right-of-use asset has been reduced to zero.

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 45 Inter & Co, Inc. The Group presents right-of-use assets as ‘Property and equipment” and lease liabilities in “Other liabilities” in the balance sheet. (ii) Lease of low-value assets and short-term leases The Group opted not to recognize right-of-use assets and lease liabilities for leases of low-value assets and short-term leases, including IT equipment. The Group recognizes lease payments associated with these leases as an expense on a straight- line basis over the lease term. o. Foreign operations The assets and liabilities of foreign operations are translated into Real at the exchange rates at the reporting date. Revenues and expenses from foreign operations are converted into real using average exchange rates for a monthly period, unless material changes are observed in the investee’s operations or in the fluctuation of exchange rates. The differences in foreign currencies generated for the conversion into the presentation currency are recognized in other comprehensive income and accumulated in the equity valuation adjustments in equity account. When a foreign entity is written-off in whole or in part, thus losing control, significant influence or joint control, the accumulated amount of exchange rate changes related to that foreign entity is reclassified to profit (loss) as part of the gain or loss on the write-off. If the Group writes-off part of its interest in a subsidiary, but maintains control, the relevant proportion of the accumulated value will be assigned to non- controlling interest. 5 Operating segments Operating segments are disclosed based on the internal disclosures that are used by the chief operating decision maker to allocate resources and to assess performance. The chief operating decision maker, responsible for allocating resources, evaluating the performance of the operating segments and responsible for making strategic decisions for the Group, is the Board of Directors. The operations of the Group are divided into five reportable segments: Banking; Inter Invest; Inter Seguros; Inter Shop and others. The accounting policies applied in the financial information reported by operating segments are based on the accounting practices adopted in Brazil, and therefore differ from those described in the significant accounting policies in note 4. Banking and security segment are composed by financial institutions authorized to operate by Central Bank of Brazil. The significant differences that impact profit for the period of the segments relate to:

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 46 Inter & Co, Inc. a. Expected credit loss on securities at FVOCI For segment reporting purposes, no expense is recognized for expected credit loss on securities at FVOCI. b. Deferral of financial charges For segment reporting purposes commissions paid to correspondents for the origination of financial assets are recognized in the Income Statement at the time of origination of the transaction. Contract revenues For segment reporting purposes, performance-based amounts due following the sale of non-controlling interest are recognized only when the performance criterion is met. Profit by operating segment Each operating segment is composed of one or more legal entities. The measurement of profit by operating segment takes into account all revenues and expenses recognized by the companies that make up each segment. Transactions between segments are carried out under terms and rates compatible with those practiced with third parties, where applicable. The Group does not have any single customer accounting for more than 10% of its total net revenue. a. Banking segment The banking segment comprises a wide range of banking products and services, such as checking accounts, cards, deposits, loans and advances and other services, which are available to the clients primarily by means of Inter’s mobile application (mobile app). Part of this segment is also due to the debt collection activity. This segment offers foreign exchange and financial services, as well as a Global Account digital solution for money remittances between countries, among others. b. Inter Invest segment This segment is responsible for operations related to the purchase, sale and custody of securities, the structuring and distribution of securities in the capital market and operations related to the management of funds’ portfolios and other assets (purchase, sale, risk management). Revenues consist primarily of administration fees and commissions charged to investor for the rendering of such services. e. Inter Seguros segment This segment offers insurance products underwritten by insurance companies with which Inter has an agreement (‘partner insurance companies’), including warranties, life, property and automobile insurance and pension products, as well as consortium

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 47 Inter & Co, Inc. products provided by a third party with whom Inter has a commercial agreement. The income from brokerage commissions is recognized when the performance obligation is fulfilled. f. Inter Shop segment The Group provides a digital platform through which companies with which it has an agreement (‘partner companies’) offer goods and/or services to its customers. The Group acts as an agent in these transactions and recognizes commission income when the intermediation service is provided. g. Others Comprises other activities

Unaudited consolidated interim financial statements as of and for the six- month periods ended June 30, 2022 and 2021 48 Inter & Co, Inc. Segment information 06/30/2022 Banking Inter Invest Inter Seguros Inter Shop Total Reported Others Combined Eliminations and adjustments Consolidated Interest income 1,102,091 1,976 - 3 1,104,070 42,749 1,146,819 (3,347) 1,143,472 Interest expenses (800,857) (7,257) - - (808,114) - (808,114) 6,302 (801,812) Net interest income 301,234 (5,281) - 3 295,956 42,749 338,705 2,955 341,660 Revenues from services and commissions 206,632 43,513 34,234 156,113 440,492 4,262 444,734 (99) 444,635 Expenses from services and commissions (58,527) - - (4) (58,531) (3,840) (62,371) - (62,371) Net result from services and commissions 148,105 43,513 34,234 156,109 381,961 402 382,363 (99) 382,264 Income from securities 770,558 12,002 989 4,475 788,024 27,404 815,428 (60,569) 754,859 Net gains / (losses) from derivatives 6,185 - - - 6,185 1,794 7,979 - 7,979 Other revenues 282,120 14,034 29,421 28,144 353,719 (10,014) 343,705 (119,926) 223,779 Revenues 1,508,202 64,268 64,644 188,731 1,825,845 62,335 1,888,180 (177,639) 1,710,541 Impairment losses on financial assets (487,950) 567 - - (487,383) (406) (487,789) (67,621) (555,410) Personnel expenses (294,531) (7,835) (3,911) (8,801) (315,078) (2,508) (317,586) - (317,586) Depreciation and amortization (70,647) (1,576) (277) (1,585) (74,085) (59) (74,144) 2,155 (71,989) Other administrative expenses (714,932) (22,980) (10,910) (33,469) (782,291) (14,694) (796,985) (46,732) (843,717) Income from equity interests in affiliates (10,062) - - - (10,062) - (10,062) - (10,062) Income (loss) before taxes (69,920) 32,444 49,546 144,876 156,946 44,668 201,614 (289,837) (88,223) Current income tax and social contribution (22,635) (11,184) (17,288) (33,339) (84,446) (817) (85,263) - (85,263) Deferred income tax and social contribution 110,356 116 454 - 110,926 - 110,926 49,263 160,189 Profit for the Period 17,801 21,376 32,712 111,537 183,426 43,851 227,277 (240,574) (13,297) Total assets 40,799,990 403,353 115,222 358,080 41,676,645 23,358,033 65,034,678 (24,100,899) 40,933,779 Total liabilities 32,367,038 331,263 92,259 104,445 32,895,005 1,176,211 34,071,216 (252,818) 33,818,398 Total equity 8,432,952 72,090 22,963 253,635 8,781,640 22,181,822 30,963,462 (23,848,081) 7,115,381

Unaudited consolidated interim financial statements as of and for the six- month periods ended June 30, 2022 and 2021 49 Inter & Co, Inc. 06/30/2021 Banking Inter Invest Inter Seguros Inter Shop Total Reported Others Combined Eliminations and adjustments Consolidated Interest income 579,116 4 - - 579,120 17,378 596,498 (1,834) 594,664 Interest expenses (143,267) (867) - - (144,134) (6,450) (150,584) (1,236) (151,820) Net interest income 435,849 (863) - - 434,986 10,928 445,914 (3,070) 442,844 Revenues from services and commissions 94,638 21,337 25,019 70,883 211,877 - 211,876 - 211,876 Expenses from services and commissions (44,808) - - - (44,808) (312) (45,120) - (45,120) Net result from services and commissions 49,829 21,337 25,019 70,883 167,069 (312) 166,756 - 166,756 Income from securities 194,867 4,705 1,899 5 201,477 3,238 204,715 (9,985) 194,730 Net gains / (losses) from derivatives (44,513) - - - (44,513) 816 (43,697) - (43,697) Other revenues 172,734 8,066 14,068 (39) 194,829 7,631 202,460 (78,913) 123,547 Revenues 808,767 33,245 40,986 70,849 953,847 22,301 976,148 (91,968) 884,180 Impairment losses on financial assets (164,494) - - - (164,494) (192) (164,686) (109,424) (274,110) Personnel expenses (163,941) (4,199) (3,360) (3,407) (174,907) - (174,907) - (174,907) Depreciation and amortization (41,459) (313) (113) (617) (42,502) - (42,502) (2,002) (44,504) Other administrative expenses (497,629) (17,981) (3,078) (10,696) (529,384) (2,414) (531,798) (17,966) (549,764) Income from equity interests in affiliates 3,893 - - - 3,893 - 3,893 - 3,893 - Income (loss) before taxes (54,863) 10,752 34,435 56,129 46,453 19,695 62,255 (221,360) (155,212) - Current income tax and social contribution - (1,447) (4,910) (9,996) (16,353) (401) (16,754) - (16,754) Deferred income tax and social contribution 78,046 - - - 78,046 - 78,046 60,729 138,775 Profit for the Period 23,183 9,305 29,525 46,133 108,146 19,294 123,547 (160,631) (33,191) Total assets 30,045,674 185,857 98,224 154,727 30,484,482 6,246,429 36,730,911 (6,421,418) 30,309,493 Total liabilities 21,388,498 147,429 68,600 85,166 21,689,693 9,585 21,699,278 (82,410) 21,616,868 Total equity 8,657,176 38,428 29,624 69,561 8,794,789 6,236,844 15,031,633 (6,339,008) 8,692,625

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 50 Inter & Co, Inc. Reconciliation of the management income by segment with consolidated results according to IFRS Profit for the Period 06/30/2022 06/30/2021 Total of reportable segments 183,426 108,146 Others 43,851 19,294 Adjustments and eliminations (240,574) (160,631) Consolidated income (loss) (13,297) (33,191) Assets Total of reportable segments 41,676,645 30,484,482 Others 23,358,033 6,246,429 Adjustments and eliminations (24,100,899) (6,421,418) Total consolidated assets 40,933,779 30,309,493 Liabilities Total of reportable segments 32,895,005 21,689,693 Others 1,176,211 9,585 Adjustments and eliminations (252,818) (82,410) Total consolidated liabilities 33,818,398 21,616,868 Equity Total of reportable segments 8,781,640 8,794,789 Others 22,181,822 6,236,844 Adjustments and eliminations (23,848,081) (6,339,008) Consolidated equity 7,115,381 8,692,625 6 Financial risk management Risk management in the Group includes credit, market, liquidity and operational risks. Management activities are carried out by specific and specialized structures, according to the policies, strategies and processes described in each of said risks. The model adopted by the Group involves a structure of areas and committees ensuring: • Segregation of function; • Specific structure for risk management; • Defined management process; • Decisions at various hierarchical levels; • Clear norms and competence structure; • Defined limits and margins; and

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 51 Inter & Co, Inc. • Reference to best management practices Risk management practices adopted by the Group are designed to be in line with the recommendations of Pillar III of the Basel Committee for both qualitative and quantitative aspects. a. Credit risk There have been no material changes in the nature of credit risk exposures, how they arise or in the Group’s objectives, policies and processes for managing them, although the Group continued improving its internal risk management processes in the six-month period ended June 30, 2022. The following tables present the loans and advances to customers by product and risk: 06/30/2022 Low Risk High Risk Total Loans and advances to customers 18,095,622 1,389,024 19,484,646 18,095,622 1,389,024 19,484,646 Amounts due from financial institutions Amounts due from financial institutions 1,825,289 - 1,825,289 1,825,289 - 1,825,289 Derivative financial liabilities Swap 65,888 - 65,888 65,888 - 65,888 12/31/2021 Low Risk High Risk Total Loans and advances to customers 16,156,725 1,059,637 17,216,362 16,156,725 1,059,637 17,216,362 Amounts due from financial institutions Amounts due from financial institutions 2,051,862 - 2,051,862 2,051,862 - 2,051,862 Derivative financial liabilities Swap 66,549 - 66,549 66,549 - 66,549 b. Maximum exposure to credit risk 06/30/2022 12/31/2021 Exposure to credit risk Balances of “Cash and cash equivalents” 1,549,158 500,446 Amounts due from financial institutions 1,825,289 2,051,862 Compulsory deposits at Central Bank of Brazil 2,580,989 2,399,488 Derivative financial liabilities 3,212 86,948

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 52 Inter & Co, Inc. Loans and advances to customers 19,484,646 17,216,362 Other financial assets 12,710,051 12,757,687 Total exposure to credit risk 38,153,345 35,012,793 c. Description of guarantees Financial instruments subject to credit risk are subject to a thorough credit assessment prior to contracting and disbursement and throughout the term of operations. Credit analyses are based on understanding the operational characteristics of customers, their indebtedness capacity, considering cash flow, payment history, credit reputation and, secondarily, considering the guarantees that can back such operations. Loans and advances to customers, as presented in Note 10, are mainly represented by the following operations: • Working capital operations: are guaranteed by receivables, promissory notes, sureties provided by their owners and occasionally by property or other tangible assets; • Personal: represented mainly by payroll card and personal loans and credit. Amortizations of payroll-deductible loans: are deducted directly from the borrowers’ pensions, income or salaries and settled directly by the entity responsible for making those payments (e.g. company or government body); The operations of FGTS anniversary withdrawal are guaranteed by onlending; • Credit cards: generally, they have no guarantees; • Real estate financing: it is guaranteed by the financed property. The portfolio of securities at FVOCI and amortized cost consists primarily of federal government bonds, considered to have a low credit risk. Repossessed collateral is generally sold at public auctions, free of any charges or encumbrances with no guarantee or with guarantee. Guarantees of real estate loans and financing The following tables structure the credit exposures of real estate loans and advances to retail customers by loan-to-value ratio (LTV) scales. LTV is calculated as the ratio of the gross loan amount or the committed amount of loans to the collateral value. Gross amounts exclude any provision for impairment. The assessment of collateral on real estate loans is based on the updated value, based on changes in real estate price indices: 06/30/2022 12/31/2021 < 30% 604,320 582,421 31 - 50% 1,653,823 1,584,454 51 - 70% 2,206,103 2,116,015 71 - 90% 1,127,459 756,870 >90% 56,014 81,651 5,647,719 5,121,411

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 53 Inter & Co, Inc. a. Concentration of loan portfolio and advances to customers: Analysis of the breakdown of balance of loans and advances to customers per sector of activity: 06/30/2022 12/31/2021 Balance % Balance % Private sector Real estate loans 5,647,720 28.99% 5,121,411 29.75% Personal loans sand personal credit 4,460,509 22.89% 3,579,283 20.79% Business loans 2,905,003 14.91% 3,017,159 17.52% Credit card 5,981,405 30.70% 4,798,318 27.87% Rural loans 490,009 2.51% 700,191 4.07% Total Portfolio 19,484,646 100.00% 17,216,362 100.00% The concentration of the Group’s portfolio of Loans and advances to customers is as follows: 06/30/2022 12/31/2021 Balance % on Loans and advances to customers Balance % on Loans and advances to customers Major debtor 247,952 1.27% 274,262 1.59% Total of the 20 largest debtors 1,697,724 8.71% 2,034,977 11.82% Total of the 50 largest debtors 2,304,445 11.83% 2,627,038 15.26% Total of the 100 largest debtors 3,292,113 16.90% 3,138,861 18.23%

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 54 Inter & Co, Inc. The breakdown of loans and advances to customers by maturity is as follows: 06/30/2022 To become due Overdue Total Installments to become due To fall due within 90 days 2,788,356 - 2,788,356 To fall due between 91 and 360 days 4,620,356 - 4,620,356 To fall due in more than 360 days 9,658,340 - 9,658,340 Total to become due 17,067,052 - 17,067,052 Overdue installments Overdue by 15 days or more - 2,417,594 2,417,594 Total overdue - 2,417,594 2,417,594 Total Portfolio 17,067,052 2,417,594 19,484,646 12/31/2021 To become due Overdue Total Installments to become due To fall due within 90 days 2,849,136 - 2,849,136 To fall due between 91 and 360 days 3,868,156 - 3,868,156 To fall due in more than 360 days 8,732,081 - 8,732,081 Total to become due 15,449,373 - 15,449,373 Overdue installments Overdue by 15 days or more - 1,766,989 1,766,989 Total overdue - 1,766,989 1,766,989 Total Portfolio 15,449,373 1,766,989 17,216,362 b. Liquidity risk The liquidity risk is the possibility that the Group may not be able to effectively meet its expected and unexpected obligations, including those arising from binding guarantees, without affecting its daily operations and incurring material losses; and possibility that the Group may not be able to trade a position at market price due to its large size in relation to the usually traded volume, or due to market discontinuity. There have been no material changes in the nature of liquidity risk exposures, how they arise or in the Group’s objectives, policies and processes for managing them, although the Group continues improving its internal risk management processes in the six-month period ended June 30, 2022.

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 55 Inter & Co, Inc. c. Analyses of financial instruments by remaining contractual term The table below presents the projected future realizable value of the Group’s financial assets and liabilities by contractual term: 06/30/2022 Note Up to 3 months 3–12 months >1 year Total Financial assets Cash and cash equivalents 8 1,549,158 - - 1,549,158 Compulsory deposits at Central Bank of Brazil 9b 2,580,989 - - 2,580,989 Amounts due from financial institutions 9 1,825,289 - - 1,825,289 Securities, net of provision for expected loss 11 518,911 286,383 11,904,757 12,710,051 Derivative financial assets 12 3,212 - - 3,212 Loans and advances to customers 10 5,185,132 4,620,356 9,679,158 19,484,646 Other assets 17 60,258 594,059 536,329 1,190,646 Total financial assets 11,722,949 5,500,798 22,120,244 39,343,991 Financial liabilities Liabilities with financial institutions 18 6,945,236 - - 6,945,236 Liabilities with customers 19 11,886,209 776,701 7,083,499 19,746,409 Securities issued 20 1,738,694 4,304,239 61,290 6,104,223 Derivative financial liabilities 9 - 22,149 43,739 65,888 Borrowing and onlending 21 3,264 4,170 24,422 31,855 Other liabilities 24 181,172 130,929 305,988 618,089 Total financial liabilities 20,754,575 5,238,188 7,518,938 33,511,700 12/31/2021 Note Up to 3 months 3–12 months >1 year Total Financial assets Cash and cash equivalents 8 500,446 - - 500,446 Compulsory deposits at Central Bank of Brazil 9b 2,399,488 - - 2,399,488 Amounts due from financial institutions 9 2,051,862 - - 2,051,862 Securities, net of provision for expected loss 11 474,509 203,451 12,079,727 12,757,687 Derivative financial assets 12 86,948 - - 86,948 Loans and advances to customers 10 4,616,124 3,868,156 8,732,082 17,216,362 Other assets 17 687,336 28,012 77,387 792,735 Total 10,816,713 4,099,619 20,889,196 35,805,528 Financial liabilities Liabilities with financial institutions 18 5,306,020 35,444 - 5,341,464 Liabilities with customers 19 11,360,378 6,956,400 16,765 18,333,543 Securities issued 20 112,591 3,349,639 109,863 3,572,093 Derivative financial liabilities 9 - 29,452 37,093 66,545 Borrowing and onlending 21 99 1,087 23,886 25,071 Other liabilities 24 374,327 134,744 108,277 617,349 Total 17,153,415 10,506,766 295,884 27,956,065

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 56 Inter & Co, Inc. d. Market risk management Market risk is the possibility of losses arising from fluctuations in the fair value of financial instruments held by the Institution and its subsidiaries, including risks arising from transactions subject to foreign exchange, interest rates, share prices and commodity prices. At Inter&Co, market risk management has, among others, the objective of supporting the business areas, establishing processes and implementing tools necessary for the assessment and control of related risks, enabling the measurement and monitoring of risk levels, as defined by Senior Management. Market risk positions are analyzed and monitored by the Asset and Liability Committee where the control reports and management positions are analyzed. Market risk controls allow the analytical assessment of information and are in a constant process of improvement, seeking to provide a view that is more in line with the current needs of Inter and its subsidiaries. The Institution and its subsidiaries have improved the internal aspects of risk management and mitigation. Measurement Inter, in accordance with CMN Resolution No. 4,557/2017 and with Bacen Circular Letter No. 3,354/2007, aiming at greater efficiency in the management of its operations exposed to market risk, segregates its operations, including derivative financial instruments, as follows: • Trading Book: composed of operations contracted with the intention of being traded or for hedge of the trading book, for which there is an intention to be traded before their contractual term, subject to normal market conditions, and which do not contain a clause of non-tradability. • Banking Book: composed of operations not classified in the Trading Book, whose main characteristic is the intention of being held until their maturities. In line with the best market practices, Inter&Co manages its risks dynamically, seeking to identify, measure, evaluate, monitor, report, control and mitigate the exposures to market risks of its own positions. One of the methods of assessing the positions subject to market risk is the Value at Risk (VaR) model. The methodology used to calculate the VaR is the parametric model with a confidence level (CL) of 99% and a time horizon (TH) of one day, scaled to 21 days.

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 57 Inter & Co, Inc. We present below the set of operations recorded in the Trading Book: The VaR of the Banking Portfolio by risk factor is presented in the following table: e. Sensitivity analysis To determine the sensitivity of the capital of Inter's positions to movements in market variables, a sensitivity analysis was performed for market risk factors considered relevant. The largest losses, by risk factor, in each of the scenarios were presented with an impact on profit or loss, providing a view of the exposure by risk factor in specific scenarios. Simulations were made with three possible scenarios in accordance with ICVM 475/2008, in order to estimate the impact on the fair value of the financial assets presented below:

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 58 Inter & Co, Inc. • Scenario I: Probable situation, which reflects the perception of the Bank's senior management in relation to the scenario with the highest probability of occurrence considering macroeconomic factors and market information (B3, Anbima etc.) observed in the period. Assumption used: deterioration and evolution in market variables through parallel shocks of 1 basis point in price index coupon rates, interest rate coupons, fixed rates, considering the worst resulting losses by risk factor and, consequently, not considering the rationality between the macroeconomic variables. • Scenario II: Possible situation of deterioration and evolution in market variables through a 25% shock in the curves of price index coupon rates, interest rate coupons, fixed interest based on market conditions observed in each period, being considering the worst losses resulting from each risk factor and, consequently, not considering the rationality between the macroeconomic variables. • Scenario III: Possible situation of deterioration and evolution in market variables through a 50% shock in the curves of price index coupon rates, interest rate coupons, fixed interest based on market conditions observed in each period, being considering the worst losses resulting from each risk factor and, consequently, not considering the rationality between the macroeconomic variables. The following table presents the results obtained for the Trading Book and for the Banking Book in an aggregate manner.

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 59 Inter & Co, Inc. 7 Capital management and fair values of financial instruments a. Capital management and solvency ratios There were no material changes in the capital requirements applicable to Inter or in the processes and procedures used to manage them in the six-month period ended June 30, 2022. The following table establishes the applicable regulatory capital requirements: 06/30/2022 12/31/2021 Referential Equity (PR) 7,080,872 7,955,238 Tier I Referential Equity 7,080,872 7,955,238 Core Capital (CP) 7,080,872 7,955,238 Risk Weighted Assets - RWA 21,531,298 17,953,263 RWA for Credit Risk by Standardized Approach - RWACPAD 19,128,150 16,198,394 RWA for Market Risk - RWAMPAD 465,550 323,581 RWA for Operating Risk by Standard Approach - RWAOPAD 1,937,597 1,431,287 Capital Requirement Minimum Principal Capital required for RWA 968,908 807,897 Tier I Minimum Reference Equity required to RWA 1,291,878 1,077,196 Minimum Reference Equity required to RWA 1,722,504 1,436,261 Margin on capital requirements Margin on required principal capital 6,111,964 7,147,341 Margin on the Tier I Required Reference Equity 5,788,994 6,878,042 Core Capital Ratio (CP/RWA) 32.9% 44.3% Tier I Capital Ratio (Tier I /RWA) 32.9% 44.3% Basel Ratio (PR/RWA) 32.9% 44.3% The policies and strategies, as well as the capital plan, enable maintenance of capital within levels compatible with the risks incurred by the Group. Stress tests are performed periodically and their impacts are assessed from the capital point of view. b. Financial instruments – Classification and fair values Financial Instruments are classified as financial assets into the following measurement categories: Amortized cost; Fair value through other comprehensive income (FVTOCI); Fair value through profit or loss (FVTPL); The measurement of fair value of a financial asset or liability can be classified in one

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 60 Inter & Co, Inc. of three approaches based on the type of information used for assessment, which are known as the fair value hierarchy levels, namely: Level I - prices agreed on in active markets for identical assets and liabilities; Level II –uses information other than quoted prices included in Level 1 that are observable for the asset or liability, either directly (i.e., as prices) or indirectly (i.e., derived from prices). For example, fair value is determined using valuation techniques using observable market data; and Level III – uses significant inputs that are not based on observable market data (unobservable inputs). The following table shows the breakdown of financial assets and liabilities according to the book classification. It also shows the book and fair values of financial assets and liabilities, including their fair value classifications. It does not include information on the fair value of financial assets and liabilities not measured at fair value when the book value is a reasonable approximation of fair value.

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 61 Inter & Co, Inc. Book Value Fair Value Fair value through profit or loss Fair value through other comprehensive income Amortized cost Financial liabilities at amortized cost Total Level 1 Level 2 Level 3 Total June 30, 2022 Financial assets Cash and cash equivalents - - 1,549,158 - 1,549,158 - - - - Amounts due from financial institutions - - 1,825,289 - 1,825,289 - - - - Loans and advances to customers - - 19,484,646 - 19,484,646 - - - - Securities, net of provision for expected loss 1,089,636 10,395,774 1,224,641 - 12,710,051 35,765 11,449,645 - 11,485,410 Derivative financial liabilities 3,212 - - - 3,212 - 3,212 - 3,212 Other assets - - 1,190,646 - 1,190,646 - - 81,869 81,869 Total financial assets 1,092,848 10,395,774 25,274,380 - 36,763,002 35,765 11,452,857 81,869 11,570,491 Financial liabilities Liabilities with financial institutions - - - 6,945,236 6,945,236 - - - - Liabilities with customers - - - 19,746,409 19,746,409 - - - - Securities issued - - - 6,104,223 6,104,223 - - - - Derivative financial liabilities 65,888 - - - 65,888 - 65,888 - 65,888 Borrowing and onlending - - - 31,855 31,855 - - - - Other liabilities - - - 618,089 618,090 - - - - Total financial liabilities 65,888 - - 33,445,812 33,511,700 - 65,888 - 65,888 (*) The financial assets classified as “Level III” consists mainly of amounts relating to the variable portion of the sale of 40% of the subsidiary Inter Digital Corretora e Consultoria de Seguros Ltda. (“Inter Seguros”) to Wiz Soluções e Corretagem de Seguros S.A. (“Wiz”) on May 8, 2019. The purchase and sale contract included cash consideration of R$ 45,000 and contingent consideration to be paid based on Inter Seguros’ EBITDA in 2021, 2022, 2023 and 2024.

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 62 Inter & Co, Inc. Book Value Fair Value Fair value through profit or loss Fair value through other comprehensive income Amortized cost Financial liabilities at amortized cost Total Level 1 Level 2 Level 3 Total December 31, 2021 Financial assets Cash and cash equivalents - - 500,446 - 500,446 - - - - Amounts due from financial institutions - - 2,051,862 - 2,051,862 - - - - Loans and advances to customers - - 17,216,362 - 17,216,362 - - - - Securities, net of provision for expected loss 778,417 11,137,938 841,332 - 12,757,687 - 11,914,753 - 11,914,753 Derivative financial liabilities 86,948 - - - 86,948 - 86,948 - 86,948 Other assets - - 792,735 - 792,735 - - 77,387 77,387 Total financial assets 865,365 11,137,938 21,402,737 - 33,406,040 - 12,001,701 77,387 12,079,088 Financial liabilities Liabilities with financial institutions - - - 5,341,464 5,341,464 - - - - Liabilities with customers - - - 18,333,543 18,333,543 - - - - Securities issued - - - 3,572,093 3,572,093 - - - - Derivative financial liabilities 66,545 - - - 66,545 - 66,545 - 66,545 Borrowing and onlending - - - 25,071 25,071 - - - - Other liabilities - - - 617,349 617,349 - - - - Total financial liabilities 66,545 - - 27,889,520 27,956,065 - 66,545 - 66,545 (*) The financial assets classified as “Level III” consists mainly of amounts relating to the variable portion of the sale of 40% of the subsidiary Inter Digital Corretora e Consultoria de Seguros Ltda. (“Inter Seguros”) to Wiz Soluções e Corretagem de Seguros S.A. (“Wiz”) on May 8, 2019. The purchase and sale contract included cash consideration of R$ 45,000 and contingent consideration to be paid based on Inter Seguros’ EBITDA in 2021, 2022, 2023 and 2024.

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 63 Inter & Co, Inc. The methodology used for the measurement of financial assets and liabilities classified as “Level II” (derivative financial instruments and securities) is the discounted present value technique, using the market rates disclosed by ANBIMA - “Brazilian Association of Financial and Capital Market Entities”, IBGE – “Brazilian Institute of Geography and Statistics” and B3. During the six-month period ended June 30, 2022, there were no changes in the measurement method of financial assets and liabilities that would imply the reclassification of financial assets and liabilities between the different fair value hierarchy levels. 8 Cash and cash equivalents Cash and cash equivalents 06/30/2022 12/31/2021 Cash and cash equivalents in domestic currency 437,651 444,212 Cash and cash equivalents in foreign currency 291,307 20,643 Reverse purchase agreements* (90 days) 820,200 35,591 Total cash and cash equivalents 1,549,158 500,446 * Refers to operations whose maturity, on the investment date, was equal to or less than 90 days and present an insignificant risk of change in fair value. a. Reverse purchase agreements Reverse purchase agreements 06/30/2022 12/31/2021 Own portfolio Financial Treasury Bills (LFT) 409,998 - National Treasury Bills (LTN) 3,811 30,448 National Treasury Notes (NTN) 303,556 1,048 - Bank deposit certificates 7,074 4,095 Investments in CDI 82,026 - Certificates of Real Estate Receivables (CRI) 13,735 - Total reverse purchase agreements 820,200 35,591 9 Amounts due from financial institutions and compulsory deposits at Central Bank of Brazil a. Breakdown of amounts due from financial institutions: 06/30/2022 12/31/2021 Interbank deposit investments 1,418,548 1,729,676 Interbank onlending 406,741 322,187 Total 1,825,289 2,051,862 b. Mandatory deposits - Central Bank of Brasil June 30, 2022 R$ 2,580,989 (2021: R$ 2,399,488) of compulsory deposits were indexed to the SELIC rate.

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 64 Inter & Co, Inc. 10 Loans and advances to customers a. Breakdown of balance of Loans and advances to customers 06/30/2022 12/31/2021 Real estate loans 5,647,720 5,121,411 Personal loans 4,460,509 3,579,283 Business loans 2,905,003 3,017,159 Credit card 5,981,405 4,798,318 Rural loans 490,009 700,191 Total 19,484,646 17,216,362 Impairment loss (974,457) (680,932) Net balance 18,510,189 16,535,430

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 65 Inter & Co, Inc. b. Analysis of changes in expected losses by stage We present the expected losses below: Stage 1 Opening balance at 01/01/2022 Transfer to Stage 2 Transfer to Stage 3 Transfer from Stage 2 Transfer from Stage 3 Contracts concluded Write-offs to loss Formation / (Reversal) End balance on 06/30/2022 Real estate loans 49,569 (3,744) (1,622) 4,989 1,270 (4,572) - 9,513 55,404 Personal loans 57,344 (2,401) (3,861) 1,195 718 (7,226) - 75,370 121,139 Business loans 12,586 (152) (181) 167 585 (3,612) - 952 10,345 Credit card 202,481 (1,523) (5,397) 990 20 (154,062) - 254,119 296,628 Rural loans 25,677 - (56) - - (9,425) - 6,784 22,980 347,657 (7,821) (11,116) 7,341 2,592 (178,897) - 346,738 506,495 Stage 2 Opening balance at 01/01/2022 Transfer to Stage 1 Transfer to Stage 3 Transfer from Stage 1 Transfer from Stage 3 Contracts concluded Write-offs to loss Formation / (Reversal) End balance on 06/30/2022 Real estate loans 13,361 (4,989) (2,038) 3,744 2,258 (1,065) - 3,586 14,857 Personal loans 11,095 (1,195) (4,237) 2,401 196 (2,420) - 12,968 18,807 Business loans 324 (167) (65) 152 7 - - 2 254 Credit card 29,101 (990) (4,150) 1,523 3 (23,679) - 50,489 52,298 Rural loans - - - - - - - - - 53,882 (7,341) (10,490) 7,821 2,464 (27,164) - 67,045 86,216 Stage 3 Opening balance at 01/01/2022 Transfer to Stage 1 Transfer to Stage 2 Transfer from Stage 1 Transfer from Stage 2 Contracts concluded Write-offs to loss Formation / (Reversal) End balance on 06/30/2022 Real estate loans 17,062 (1,270) (2,258) 1,622 2,038 (5,654) (223) 8,173 19,490 Personal loans 73,065 (718) (196) 3,861 4,237 (10,364) (37,669) 35,496 67,713 Business loans 3,110 (585) (7) 181 65 (588) (324) 617 2,467 Credit card 186,157 (20) (3) 5,397 4,150 (156,262) (11,745) 263,314 290,988 Rural loans - - - 56 - - - 1,032 1,088 279,393 (2,592) (2,464) 11,116 10,490 (172,868) (49,962) 308,632 381,746 Consolidated Opening balance at 01/01/2022 Contracts concluded Write-offs to loss Formation / (Reversal) End balance on 06/30/2022 Real estate loans 79,992 (11,291) (223) 21,272 89,750 Personal loans 141,504 (20,010) (37,669) 123,833 207,658 Business loans 16,020 (4,200) (324) 1,571 13,066 Credit card 417,740 (334,002) (11,745) 567,923 639,915 Rural loans 25,677 (9,425) - 7,816 24,068 Total 680,933 (378,928) (49,962) 722,415 974,457

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 66 Inter & Co, Inc. Stage 1 Opening balance at 01/01/2021 Transfer to Stage 2 Transfer to Stage 3 Transfer from Stage 2 Transfer from Stage 3 Contracts concluded Write-offs to loss Formation / (Reversal) End balance on 06/30/2021 Real estate loans 34,898 (4,269) (1,084) 3,698 2,118 (3,816) - 6,908 38,453 Personal loans 17,285 (829) (569) 133 100 (5,766) - 31,632 41,986 Business loans 5,678 (65) (4) - - (187) - 5,150 10,572 Credit card 106,606 (2,059) (6,985) 424 285 (16,045) (60) 47,086 126,550 Rural loans 5,675 - - - - (264) - 9,735 15,146 Total 170,142 (7,222) (8,642) 4,255 2,503 (26,078) (60) 100,511 232,707 Stage 2 Opening balance at 01/01/2021 Transfer to Stage 1 Transfer to Stage 3 Transfer from Stage 1 Transfer from Stage 3 Contracts concluded Write-offs to loss Formation / (Reversal) End balance on 06/30/2021 Real estate loans 10,848 (3,698) (1,767) 4,269 1,235 (1,442) - 4,238 13,683 Personal loans 4,397 (133) (1,833) 829 86 (953) - 5,923 8,316 Business loans 4 - (1) 65 - (3) - 252 317 Credit card 4,946 (424) (2,444) 2,059 67 (2,015) - 50,129 52,255 Rural loans - - - - - - - - - Total 20,195 (4,255) (6,045) 7,222 1,388 (4,413) - 60,542 74,571 Stage 3 Opening balance at 01/01/2021 Transfer to Stage 1 Transfer to Stage 2 Transfer from Stage 1 Transfer from Stage 2 Contracts concluded Write-offs to loss Formation / (Reversal) End balance on 06/30/2021 Real estate loans 15,128 (2,118) (1,235) 1,084 1,767 (4,600) (2,455) 6,969 14,540 Personal loans 18,317 (100) (86) 569 1,833 (1,555) (8,960) 42,088 52,106 Business loans 241 - - 4 1 - (173) 71 144 Credit card 58,331 (285) (67) 6,985 2,444 (34,272) (6,111) 82,905 107,762 Rural loans - - - - - - - - - Total 92,017 (2,503) (1,388) 8,642 6,045 (40,427) (17,699) 132,033 174,552 Consolidated Balance at 01/01/2021 Contracts concluded Write-offs to loss Formation / (Reversal) End balance on 06/30/2021 Real estate loans 60,874 (9,858) (2,455) 18,115 66,676 Personal loans 39,999 (8,274) (8,960) 79,643 102,408 Business loans 5,923 (190) (173) 5,473 11,033 Credit card 169,883 (52,332) (6,171) 180,120 291,500 Rural loans 5,675 (264) - 9,735 15,146 Total 282,354 (70,918) (17,759) 293,086 486,763

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 67 Inter & Co, Inc. c. Analysis of changes in Loans and advances to customers by phase Stage 1 Opening balance at 01/01/2022 Transfer to Stage 2 Transfer to Stage 3 Transfer from Stage 2 Transfer from Stage 3 Contracts concluded Write-offs to loss Formation / (Reversal) End balance on 06/30/2022 Real estate loans 4,782,311 (126,492) (44,558) 93,078 8,508 (378,899) - 933,813 5,267,761 Personal loans 3,375,420 (72,833) (41,694) 10,397 1,100 (155,065) - 1,090,853 4,208,178 Business loans 2,962,934 (1,709) (2,922) 3,291 5,465 (1,773,794) - 1,666,263 2,859,528 Credit card 4,335,866 (20,662) (59,694) 2,074 40 (2,898,405) - 3,912,477 5,271,696 Rural loans 700,191 - (1,535) - - (257,300) - 47,098 488,454 Total 16,156,722 (221,696) (150,403) 108,840 15,113 (5,463,463) - 7,650,504 18,095,617 Stage 2 Opening balance at 01/01/2022 Transfer to Stage 1 Transfer to Stage 3 Transfer from Stage 1 Transfer from Stage 3 Contracts concluded Write-offs to loss Formation / (Reversal) End balance on 06/30/2022 Real estate loans 224,817 (93,078) (31,702) 126,492 15,124 (18,104) - 25,864 249,413 Personal loans 86,022 (10,397) (32,889) 72,833 416 (15,829) - 17,156 117,312 Business loans 4,923 (3,291) (686) 1,709 66 (55) - (107) 2,559 Credit card 90,648 (2,074) (12,158) 20,662 6 (75,978) - 116,323 137,429 Rural loans - - - - - - - - - Total 406,410 (108,840) (77,435) 221,696 15,612 (109,966) - 159,236 506,713 Stage 3 Opening balance at 01/01/2022 Transfer to Stage 1 Transfer to Stage 2 Transfer from Stage 1 Transfer from Stage 2 Contracts concluded Write-offs to loss Formation / (Reversal) End balance on 06/30/2022 Real estate loans 114,283 (8,508) (15,124) 44,558 31,702 (37,872) (1,496) 3,002 130,545 Personal loans 117,843 (1,100) (416) 41,694 32,889 (23,893) (38,422) 6,424 135,019 Business loans 49,301 (5,465) (66) 2,922 686 (25,476) (3,032) 24,045 42,915 Credit card 371,803 (40) (6) 59,694 12,158 (312,764) (21,290) 462,728 572,283 Rural loans - - - 1,535 - - - 19 1,554 Total 653,230 (15,113) (15,612) 150,403 77,435 (400,005) (64,240) 496,218 882,316 Consolidated Opening balance at 01/01/2022 Contracts concluded Write-offs to loss Formation / (Reversal) End balance on 06/30/2022 Real estate loans 5,121,411 (434,875) (1,496) 962,679 5,647,719 Personal loans 3,579,285 (194,787) (38,422) 1,114,433 4,460,509 Business loans 3,017,158 (1,799,325) (3,032) 1,690,201 2,905,002 Credit card 4,798,317 (3,287,147) (21,290) 4,491,528 5,981,408 Rural loans 700,191 (257,300) - 47,117 490,008 Total 17,216,362 (5,973,434) (64,240) 8,305,958 19,484,646

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 68 Inter & Co, Inc. Stage 1 Opening balance at 01/01/2021 Transfer to Stage 2 Transfer to Stage 3 Transfer from Stage 2 Transfer from Stage 3 Contracts concluded Write-offs to loss Formation / (Reversal) End balance on 06/30/2021 Real estate loans 3,186,943 (144,382) (34,378) 62,393 13,907 (354,702) - 1,152,468 3,882,249 Personal loans 1,509,554 (39,785) (32,022) 815 243 (585,192) (19) 1,560,315 2,413,909 Business loans 1,579,384 (3,000) (488) - - (872,299) - 1,445,628 2,149,225 Credit card 1,837,984 (23,441) (67,518) 1,262 566 (175,786) (660) 1,296,816 2,809,477 Rural loans 177,637 - - - - (8,251) - 255,185 424,571 Total 8,291,502 (210,608) (134,406) 64,470 14,716 (1,996,230) (679) 5,710,412 11,679,431 Stage 2 Opening balance at 01/01/2021 Transfer to Stage 1 Transfer to Stage 3 Transfer from Stage 1 Transfer from Stage 3 Contracts concluded Write-offs to loss Formation / (Reversal) End balance on 06/30/2021 Real estate loans 185,081 (62,393) (29,968) 144,382 8,110 (24,358) - 10,688 231,542 Personal loans 32,258 (815) (14,257) 39,785 229 (7,289) - 4,263 54,174 Business loans 1,298 - (61) 3,000 - (1,235) - 355 3,357 Credit card 20,461 (1,262) (10,688) 23,441 123 (8,321) - 68,691 91,617 Rural loans - - - - - - - - - Total 239,098 (64,470) (54,974) 210,608 8,462 (41,203) - 83,997 380,690 Stage 3 Opening balance at 01/01/2021 Transfer to Stage 1 Transfer to Stage 2 Transfer from Stage 1 Transfer from Stage 2 Contracts concluded Write-offs to loss Formation / (Reversal) End balance on 06/30/2021 Real estate loans 99,332 (13,907) (8,110) 34,378 29,968 (30,206) (16,123) 2,050 97,382 Personal loans 44,009 (243) (229) 32,022 14,257 (3,314) (21,468) 24,822 89,856 Business loans 2,187 - - 488 61 - (1,558) 165 1,343 Credit card 113,929 (566) (123) 67,518 10,688 (68,522) (10,676) 105,722 215,640 Rural loans - - - - - - - - - Total 259,457 (14,716) (8,462) 134,406 54,974 (102,042) (49,825) 132,759 404,221 Consolidated Balance at 01/01/2021 Contracts concluded Write-offs to loss Formation / (Reversal) End balance on 06/30/2021 Real estate loans 3,471,356 (409,266) (16,123) 1,165,206 4,211,173 Personal loans 1,585,821 (595,795) (21,487) 1,589,400 2,557,939 Business loans 1,582,869 (873,534) (1,558) 1,446,148 2,153,925 Credit card 1,972,374 (252,629) (11,336) 1,471,229 3,179,638 Rural loans 177,637 (8,251) - 255,185 424,571 Total 8,790,057 (2,139,475) (50,504) 5,927,168 12,527,246

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 69 Inter & Co, Inc. 11 Securities, net of provision for expected loss a. Breakdown of securities, net of provision for expected loss: 06/30/2022 12/31/2021 Fair value through other comprehensive income - FVTOCI Financial Treasury Bills (LFT) 5,451,919 6,201,734 Debentures 649,802 440,093 Certificates of real estate receivables 203,163 307,667 Investment fund quotas - 13,719 Financial Bills 31,123 56,439 National Treasury Notes (NTN) 3,606,332 3,675,236 National Treasury Bills (LTN) 423,335 412,963 Commercial Promissory Note 30,100 30,087 Subtotal 10,395,774 11,137,938 Amortized cost Debentures 170,790 185,571 Financial Bills - 11,676 National Treasury Notes (NTN) 650,232 606,260 Certificates of real estate receivables - 28,075 Rural Product Bill 404,018 11,353 Expected loss (399) (1,603) Subtotal 1,224,641 841,332 Fair value through profit or loss - FVTPL Investment fund quotas 340,983 298,992 Certificates of real estate receivables 130,789 41,579 Certificates of Agricultural Receivables 43,800 10,648 Debentures 408,827 273,716 Financial Treasury Bills (LFT) 29,981 65,729 Bank deposit certificates 20,884 25,092 Agribusiness Letters of Credit (LCA) 21,670 14,552 Real Estate Credit Bills (LCI) 752 7,322 National Treasury Notes (NTN) 389 403 Financial Bills 91,561 40,384 Subtotal 1,089,636 778,417 Total 12,710,051 12,757,687 b. Income from securities Quarter Six-month period 06/30/2022 06/30/2021 06/30/202 2 06/30/2021 Income from securities - Interest income 340,977 102,281 646,505 197,490 Income from securities - Fair value gains/losses (12,209) (15,578) (45,355) (28,219) Income from securities - Amortized cost Yield from interest 42,442 11,602 70,731 17,422 Income from securities - Held for trading 35,636 8,357 82,978 8,037 Total 406,846 106,662 754,859 194,730

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 70 Inter & Co, Inc. c. Breakdown of the carrying amount of securities by maturity 06/30/2022 Up to 3 months 3 to 12 months 1 year to 3 years 3 to 5 years >5 years Book Balance Fair value through other comprehensive income - FVTOCI 95,976 22,608 579,274 3,061,564 6,636,352 10,395,774 Financial Treasury Bills (LFT) 95,976 22,608 59,037 1,452,945 3,821,353 5,451,919 Debentures - - 119,850 280,123 249,829 649,802 Certificates of real estate receivables - - 41,919 52,808 108,436 203,163 Financial Bills - - 723 5,159 25,241 31,123 National Treasury Notes (NTN) - - 152,390 1,022,449 2,431,493 3,606,332 National Treasury Bills (LTN) - - 205,355 217,980 - 423,335 Commercial Promissory Note - - - 30,100 - 30,100 Amortized cost 70,984 211,019 253,308 37,654 651,676 1,224,641 Debentures 15,504 41,421 88,491 25,374 - 170,790 National Treasury Notes (NTN) - - - - 650,232 650,232 Rural Product Bill 55,490 169,656 164,997 12,340 1,535 404,018 Expected loss (10) (58) (180) (60) (91) (399) Fair value through profit or loss - FVTPL 351,951 52,756 185,710 320,633 178,586 1,089,636 Investment fund quotas 338,336 - 2,647 - - 340,983 Certificates of real estate receivables 7,395 1,475 24,529 85,099 12,291 130,789 Debentures 536 6,068 81,051 188,220 132,952 408,827 Financial Treasury Bills (LFT) - 1,483 686 27,143 669 29,981 National Treasury Notes (NTN) - - - - 389 389 Financial Bills - 34,128 41,854 11,234 4,345 91,561 Bank deposit certificates 5,515 2,570 11,307 1,492 - 20,884 Certificates of Agricultural Receivables - 2,916 9,152 3,792 27,940 43,800 Agribusiness Letters of Credit (LCA) 158 3,803 14,056 3,653 - 21,670 Real Estate Credit Bills (LCI) 11 313 428 - - 752 Total 518,911 286,383 1,018,292 3,419,851 7,466,614 12,710,051 12/31/2021 Up to 3 months 3 to 12 months 1 year to 3 years 3 to 5 years Above 5 years Balance Book value Fair value through other comprehensive income - FVTOCI 84,388 131,735 1,023,883 2,129,437 7,768,495 11,137,938 Financial Treasury Bills (LFT) 70,669 129,144 781,179 1,400,473 3,820,269 6,201,734 Debentures - 2,591 78,600 172,128 186,774 440,093 Certificates of real estate receivables - - 49,524 50,293 207,850 307,667 Investment fund quotas 13,719 - - - - 13,719 Financial Bills - - 13,089 14,686 28,664 56,439 National Treasury Notes (NTN) - - - 150,298 3,524,938 3,675,236 National Treasury Bills (LTN) - - 101,491 311,472 - 412,963 Commercial Promissory Note - - - 30,087 - 30,087 Amortized cost 11,353 59,937 140,336 25,042 604,664 841,332 Debentures - 35,252 125,277 25,042 - 185,571 Financial Bills - 11,676 - - - 11,676 National Treasury Notes (NTN) - - - - 606,260 606,260 Certificates of real estate receivables 11,353 - - - - 11,353 Rural Product Bill - 13,016 15,059 - - 28,075 Expected loss - (7) - - (1,596) (1,603) Fair value through profit or loss - FVTPL 378,768 11,773 120,033 154,372 113,471 778,417 Investment fund quotas 298,992 - - - - 298,992 Certificates of real estate receivables 7,694 2,311 13,683 7,310 10,581 41,579 Debentures 16,690 103 42,542 127,525 86,856 273,716 Financial Treasury Bills (LFT) 22,752 - 18,127 14,782 10,068 65,729 National Treasury Notes (NTN) 403 - - - - 403 Financial Bills - 1,146 31,224 3,248 4,766 40,384 Bank deposit certificates 265 7,860 14,260 1,507 1,200 25,092 Certificates of Agricultural Receivables 10,648 - - - - 10,648 Agribusiness Letters of Credit (LCA) 14,552 - - - - 14,552 Real Estate Credit Bills (LCI) 6,772 353 197 - - 7,322 Total 474,509 203,445 1,284,252 2,308,85198 8,486,630 12,757,687

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 71 Inter & Co, Inc. 12 Derivative financial liabilities Inter carries out derivative transactions to meet its own risk exposure management needs and to meet its customers' requests to manage their exposures. Such transactions involve swaps and forward derivatives. Inter’s risk management policy is based on the use of derivative financial instruments with the main purpose of mitigating the risks arising from other operations carried out. a. Derivative financial instruments – amortized cost, fair value and maturities 06/30/2022 12/31/2021 Updated cost Mark- to- market Market value Up to 3 months 3 to 12 months 1 to 3 years 3 to 5 years Total Total Assets (A) Forward purchase receivable 3,251 (39) 3,212 3,212 - - - 3,212 86,948 Liabilities (B) Payable adjustment – swap (65,888) - (65,888) - (22,149) (30,458) (13,281) (65,888) (66,545) Net effect (A-B) (62,637) (39) (62,676) 3,212 (22,149) (30,458) (13,281) (62,676) 20,403 b. Forward and swap contracts – reference value Up to 3 months 3 to 12 months 1 to 3 years >3 years 06/30/2022 Total 12/31/2021 Forward contract - assets 3,212 - - - 3,212 86,948 Swap contracts - liabilities - 67,306 53,500 24,500 145,306 172,933 Total 3,212 67,306 53,500 24,500 148,518 259,881 c. Index swap contracts The operations were carried out via Brasil, Bolsa, Balcão (B3( exchange and feature guarantee margin and control by this stock exchange. As of June 30, 2022, Inter had 7 active CDI x IGP-M swap contracts, with a total notional amount of R$95,306 and 1 active CDI x IPCA swap contract, with a total notional amount of R$50,000 registered at B3 and a guarantee margin deposit, whose value can be adjusted at any time. The swap operation is the exchange of risks between two parties, consisting of an agreement for two parties to exchange the risk of an asset (creditor) or liability (debtor) position, on a specified date, with previously established conditions. Inter's swap operations are classified as Hedge Accounting ("Fair Value Hedge"), as hedge from exposure to changes in the fair value of recognized loan operations, or an identified part of such asset attributable to a particular risk that may affect the result. The hedging instrument (swap) was used to protect the risks related to the mismatch of indices between the asset and liability portfolios, specifically between interest rate and price index variations and are recognized at fair value in profit (loss) for the period. The fair value is the value which, according to market conditions, would be received for the assets and paid upon settlement of liabilities, calculated based on the rates practiced in the stock exchange markets.

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 72 Inter & Co, Inc. 06/30/2022 Indexes Notional value Cost Market value Gain (loss) Bank Counterparty Bank Counterparty CDI x IGPM 95,306 110,513 170,889 110,513 165,755 (55,281) CDI x IPCA 50,000 58,644 69,410 58,644 69,252 (10,607) Grand total 145,306 169,157 240,299 169,157 235,007 (65,888) 12/31/2021 Indexes Notional value Cost Market value Gain (loss) Bank Counterparty Bank Counterparty CDI x IGPM 112,856 124,282 184,140 124,282 180,520 (56,238) CDI x IPCA 60,000 66,767 77,401 66,695 77,002 (10,307) Grand total 172,856 191,049 261,541 190,977 257,522 (66,545) d. Hedge accounting The Group applies fair value hedge accounting for some of its Loans and advances to customers, in accordance with IAS 39 - Financial Instruments. The Group’s swaps are classified as hedging instruments in a Fair Value Hedge that covers the risks related to a portion of the real estate portfolio which is indexed to inflation rates. The hedged contracts from the real estate portfolio are measured at fair value in relation to the specific risk of hedged item. 13 Non-current assets held for sale 06/30/2022 12/31/2021 Real estate 161,254 149,770 Impairment - (19,977) Total 161,254 129,793 The balance of non-current assets held for sale comprises the assets originally received as collateral for Loans and advances to customers, which were taken over. Non-current assets held for sale are typically sold at auctions, which generally take place within one year. As of June 30, 2022, Intel tested assets held for sale for impairment and verified that there is no indication of impairment.

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 73 Inter & Co, Inc. 14 Investments On March 5, 2021, Inter concluded the acquisition of a 45% interest in BMG Granito Soluções em Pagamentos S.A. (“Granito”), which operates in the payment sector (payment solutions), developing customized products for its clients. Share capital Investments Quarter Six-month period Associated companies 06/30/2022 12/31/2021 06/30/2022 12/31/2021 06/30/2022 06/30/2021 06/30/2022 06/30/2021 Granito Soluções em Pagamento S.A. 45.00% 45.00% 71,232 81,294 (4,490) 3,893 (10,062) 3,893 Total 71,232 81,294 (4,490) 3,893 (10,062) 3,893 Other investments 9,509 1,151 - - - - Total investments 80,741 82,445 (4,490) 3,893 (10,062) 3,893 (i) All the above associated companies are accounted for in these unaudited consolidated interim financial statements using the equity method, as described in the Group’s accounting policies in note 4.

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 74 Inter & Co, Inc. a. Equity in net income of associated companies The summarized financial information related to Granito is presented below, representing the amounts presented in the associated company’s financial statements prepared in accordance with IFRS: In thousands of reais 06/30/2022 12/31/2021 Ownership percentage 45% 45% Current assets 1,285,011 1,084,177 Non-current assets 69,859 52,007 Current liabilities (1,334,631) (1,090,172) Non-current liabilities (679) - Net assets (100%) 19,560 46,012 Book value of the interest in the associated company (45%) 8,802 20,705 06/30/2022 06/30/2021 Revenue 78,047 87,037 Profit (loss) for the period (21,972) 8,652 Other changes in Equity (389) - Group’s share of income for the period (10,062) 3,893 15 Property and equipment a. Breakdown of property and equipment: 06/30/2022 Annual rate of depreciation Historical cost Accumulated depreciation Business combination Book Value Buildings 4% 34,293 (22,612) 5,881 17,562 Furniture and equipment 10% 15,698 (638) - 15,060 Data processing systems 20% 14,495 (68) - 14,427 Financial lease of buildings 38% 160,582 (6,827) - 153,755

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 75 Inter & Co, Inc. Total property and equipment 225,068 (30,145) 5,881 200,804 12/31/2021 Annual rate of depreciation Historical cost Accumulated depreciation Business combination Book Value Buildings 4% 27,547 (14,677) 17 12,887 Furniture and equipment 10% 12,445 (4,754) 1,257 8,948 Data processing systems 20% 14,390 (73) - 14,317 Financial lease of buildings 38% 131,064 (3,741) - 127,323 Total property and equipment 185,446 (23,245) 1,273 163,475 b. Changes in property and equipment: Balances at 12/31/2021 Additions Business combination Transfer Write-offs Balances at 06/30/2022 Buildings 27,608 5,869 10,630 816 - 44,923 Furniture and equipment 14,012 2,105 - (419) - 15,698 Data processing systems 14,390 118 - - (13) 14,495 Leases 131,064 29,518 - - - 160,582 Total property and equipment - historical cost 187,074 37,610 10,630 397 (13) 235,698 Property and equipment - accumulated depreciation Buildings (14,721) (2,887) (4,749) (5,004) - (27,361) Furniture and equipment (5,064) (171) - 4,597 - (638) Data processing systems (72) (6) - 10 - (68) Leases (3,741) (3,086) - - - (6,827) Total property and equipment - accumulated depreciation (23,598) (6,150) (4,749) (397) - (34,894) Total property and equipment - residual value 163,476 31,460 5,881 - (13) 200,804

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 76 Inter & Co, Inc. Balance at 12/31/2020 Additions Business combination Transfer Write- offs Balances at 06/30/2021 Buildings 21,969 4,753 61 (286) (307) 26,190 Furniture and equipment 10,219 1,053 715 (19) - 11,968 Data processing systems 12,348 1,680 - 305 - 14,333 Financial lease of buildings 109,264 18,323 - - - 127,587 Total property and equipment - historical cost 153,800 25,809 776 - (307) 180,078 Property and equipment - accumulated depreciation Buildings (14,502) (1,913) (36) 82 - (16,369) Furniture and equipment (74) (25) (136) (81) - (316) Data processing systems (60) (8) - (1) - (69) Financial lease of buildings (1,318) (3,320) - - - (4,638) Total property and equipment - accumulated depreciation (15,954) (5,266) (172) - - (21,392) Total property and equipment - residual value 137,846 20,543 604 - (307) 158,686

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 77 Inter & Co, Inc. 16 Intangible assets a. Breakdown of intangible assets 06/30/2022 12/31/2021 Annual average rate of amortization Historical cost (Accumulated amortization) Business combination Net value Historical cost (Accumulated amortization) Business combination Net value Right-of-use 20% 195,161 (131,855) - 63,306 129,399 (82,249) - 47,150 Development costs 10% 203,011 (28,477) - 174,534 129,948 (14,531) - 115,417 Customer portfolio 20% 10,067 (4,655) - 5,412 9,341 (3,739) - 5,602 Goodwill due to expected future profitability - 81,932 - 679,534 761,466 90,700 - 1 90,702 Intangible in progress - 185,191 - - 185,191 170,334 - 1,299 171,633 Total intangible assets 675,362 (164,987) 679,534 1,189,909 529,722 (100,519) 1,300 430,504 b. Changes in intangible assets 12/31/2021 Addition Write-offs Transfers Business combination Amortization 06/30/2022 Right-of-use 47,150 96,756 (29,338) (1,656) - (49,606) 63,306 Development costs 115,417 27 (1,041) 74,077 - (13,946) 174,534 Customer portfolio 5,602 829 (103) - - (916) 5,412 Goodwill due to expected future profitability (a) 90,702 - (8,710) (60) 679,534 - 761,466 Intangible in progress 171,633 94,226 (8,307) (72,361) - - 185,191 Total intangible assets 430,504 191,838 (47,499) - 679,534 (64,468) 1,189,909 12/31/2020 Addition Write-offs Transfers Business combination Amortization 06/30/2021 Right-of-use 29,489 51,850 - - 1,143 (27,253) 55,229 Development costs 69,144 2,151 - 42,976 - (2,886) 111,385 Customer portfolio 7,710 - - - - (3,848) 3,862 Goodwill due to expected future profitability 38,964 27,906 - - - - 66,870 Intangible in progress 79,209 75,167 - (42,976) - - 111,399 Total intangible assets 224,516 157,074 - - 1,143 (33,987) 348,745 (a) This is the acquisition of USEND, see Note 4.3 - Business Combination

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 78 Inter & Co, Inc. 17 Other assets 06/30/2022 12/31/2021 Amounts receivable from sale of investments (a) 81,869 77,154 Commissions and bonuses receivable (b) 135,694 142,543 Prepaid expenses (c) 238,411 159,688 Pending settlements (d) 216,691 148,995 Sundry debtors (e) 115,377 71,234 Early settlement of loan operations 54,842 7,524 Sales agreement of real estate receivable 41,892 27,948 Advances to third parties (f) 66,632 58,604 Taxes and contributions recoverable 90,933 51,928 Forex transactions 73,625 - Other assets 74,680 47,118 Total 1,190,646 792,735 (a) The amounts receivable for the sale of minority interest in a subsidiary consist mainly of amounts related to the variable portion of the sale of 40% of the subsidiary Inter Digital Corretora e Consultoria de Seguros Ltda. (“Inter Seguros”) to Wiz Soluções e Corretagem de Seguros S.A. (“Wiz”) on May 8, 2019. The purchase and sale contract included cash consideration of R$ 45,000 and contingent consideration to be paid based on Inter Seguros’ EBITDA in 2021, 2022, 2023 and 2024. (b) Receivable commissions and bonus: relate, primarily, to the bonus receivable from the business contract signed with Mastercard. (c) Prepaid expenses: includes payments for card expenses that involve the generation of economic benefits for Inter, in subsequent period. (d) Pending settlements: relates, primarily, to transactions to be processed by Mastercard, with a value of R$ 186,619 (2021: R$ 123,527), in addition to settlement balances receivable from the B3 exchange of R$ 30,072 (2021: R$ 25,468). (e) Sundry debtors: mainly refers to portability amounts to be processed, amounts to be processed from credit cards, reversal, negotiation and intermediation of amounts and debtors by judicial deposit. (f) Third party advances refer to: advances to employees of R$ 14,118 (2021: R$ 1,203), advance of administrative expenses of R$ 20,199 (2021: R$ 17,677) and third-party advance of R$ 32,315 (R$ 39,724). 18 Liabilities with financial institutions 06/30/2022 12/31/2021 Interbank deposits 314,715 139,477 Payments with credit card network 4,979,081 3,876,964 Interbranch accounts 170,505 351,490 Financial Bills 1,480,935 973,533 Total liabilities with financial institutions 6,945,236 5,341,464 19 Liabilities with customers 06/30/2022 12/31/2021 Demand deposits 9,794,611 9,932,809 Time deposits 8,569,727 6,922,061 Savings deposits 1,182,012 1,230,039 Creditors’ funds to be released 200,059 248,633 Total liabilities with customers 19,746,409 18,333,543

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 79 Inter & Co, Inc. 20 Securities issued 06/30/2022 12/31/2021 Financial Bills 30,457 - Real estate credit bills (a) 4,923,745 3,572,093 Debentures (b) 1,150,021 - Total securities issued 6,104,223 3,572,093 (a) Real Estate Credit Bill (LCI) is a fixed income instrument with exemption from income tax for individuals, backed by real estate loans. They are issued on demand, remunerated at a fixed or floating rate and have a fixed maturity. The Group offers LCIs issued by Banco Inter to its retail customers as a tax-free investment alternative to time deposits. Real estate loans in the gross amount of R$ 4,923,974 (2021: R$ 3,572,093) are pledged as collateral for these instruments. (b) Amount related to the issue of debentures of Holdfin, as a fundamental part of the corporate reorganization process, the amount was allocated as follows: (i) the payment of the amount in reais necessary for the redemption of redeemable preferred shares (“Redeemable PS”) owned by the shareholders of the Issuer, after the incorporation of the shares issued by Banco Inter S.A., as explained in the Relevant Fact Notice dated April 15, 2022, aimed at the migration of the shareholding base from Inter to Inter & Co, Inc., which resulted in the listing of shares of Inter & Co in the United States (“Corporate Reorganization”); (ii) the payment of the amounts of responsibility of the Issuer with respect to the Withholding Income Tax (“IRRF”) related to the capital gain of Inter’s shareholders not resident in Brazil under the Corporate Reorganization; The debentures have a unit value of R$ 1 thousand reais at the issue date and maturity in 12 months, on June 14, 2023. 1,150,000 thousand debentures were issued and interest was applied to the Unit Nominal Value of the Debentures or the balance of the Unit Nominal Value, such interest corresponding to the accumulated variation of 100% (one hundred percent) of the daily average rates of one-day DI, “over extra-group”, expressed as a percentage to the base year of 252 (two hundred and fifty-two) Business Days, calculated and disclosed daily by B3 S.A. – Brasil, Bolsa, Balcão (“DI Rate”), plus a spread of 1.95% to the base year of 252 (two hundred and fifty-two) Business Days (“Remuneration”), calculated exponentially and cumulatively, on a pro rata temporis basis, by Business Days elapsed, to the Unit Nominal Value of the Debentures or the balance of the Unit Nominal Value from the first Date of Payment of Debentures to the date of Payment of Remuneration or date of declaration of early maturity as a result of a Default Event (as defined below), whichever occurs first. 21 Borrowing and onlending Refers to onlending operations of real estate credit financing raised with Caixa Econômica Federal (with rates between 4.5% and 6% p.a.) and BNDES for Working Capital operations (with a fixed rate of up to 6% p.a.). 06/30/2022 12/31/2021 Onlending - CEF 23,211 24,877 Onlending - BNDES 8,508 - Others 136 194 Total Borrowing and onlending 31,855 25,071 22 Tax liabilities 06/30/2022 12/31/2021 Income tax and social contribution 95,720 41,764 Tax on financial operations 30,439 2,821 PIS/COFINS 18,296 14,419 INSS/FGTS 12,384 14,069 Other taxes 6,826 5,333

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 80 Inter & Co, Inc. Total current taxes 163,665 78,406 23 Provisions and contingent liabilities 06/30/2022 12/31/2021 Provision for contingencies 23,798 21,682 Provisions on loan commitments 37,320 31,166 61,118 52,848 Provisions on loan commitments The Group recognizes expected losses for financial assets that include both a used component and an unused loan commitment component. To the extent that the combined value of expected credit losses exceeds the gross book value of the financial asset, the remaining balance is presented as a provision. Total Opening balance at 01/01/2022 31,166 (+) Provision formation / increase 6,154 End balance on 06/30/2022 37,320 Total Opening balance at 01/01/2021 3,024 (+) Provision formation / increase 13,015 End balance on 06/30/2021 16,039 Provisions for contingencies a. Contingent assets Legal entities in the Group figure as plaintiffs in judicial proceedings seeking to recover non-performing customers loans. They mostly involve executions of judicial and extrajudicial instruments (Bank Credit Bills) issued in working capital operations and securities’ discount. Generally, in cases where there is a request for judicial recovery or bankruptcy of debtors, the Group includes their receivables in these proceedings whilst continuing to try and collect from the guarantors. Finally, in operations where there are property liens, the Group takes the ownership of such property if there is customer default. b. Provisions The legal entities in the Group, in the normal course of their activities, are parties to tax, social security, labor and civil lawsuits. The respective provisions were made taking into account the laws in force, the opinion of legal advisors, the nature and complexity of the cases, case law, past loss experience and other relevant criteria that allow the most adequate estimate possible.

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 81 Inter & Co, Inc. i. Labor lawsuits These are lawsuits filed by employees and former employees, seeking to obtain indemnities of a labor nature. Amounts provisioned are related to processes in which alleged labor rights are discussed, such as overtime and salary equalization. On an individual basis, amounts provided for labor lawsuits are not significant. ii. Civil lawsuits These are mostly demands claiming indemnity for material and moral damages, related to the Group’s products, such as the payroll loan product, in addition to declaratory and reparatory lawsuits, compliance with the 30% discount on borrowers’ paychecks, presentation of documents and revisional actions.

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 82 Inter & Co, Inc. c. Changes in provisions Labor Civil Tax Total Balance on December 31, 2021 3,312 18,370 - 21,682 Formations/updates 445 10,320 - 10,765 Payments (302) (8,347) - (8,649) Balance on June 30, 2022 3,455 20,343 - 23,798 Balance on December 31, 2020 3,173 16,423 1,017 20,613 Formations/updates 1601 17,401 - 19,002 Payments (1,462) (15,454) (1,017) (17,933) Balance on December 31, 2021 3,312 18,370 - 21,682 d. Contingent tax liabilities classified as possible losses i. Income tax and social contribution on net income – IRPJ and CSLL On August 30, 2013, a tax assessment notice was issued (referring to some expenses considered as non-deductible) requiring the payment of amounts of income tax and social contribution related to the calendar years 2008 to 2009, plus an official fine of 150% and interest on late payment, in addition to the application of an isolated fine of 50% on the indications of income tax and social contribution. The values were as follows: 06/30/2022 12/31/2021 Total Total 65,558 63,805 ii. Cofins Inter is discussing in court its COFINS obligations from the period between 1999 and 2008, due to the Federal Revenue Service's understanding that financial revenues should be included in the calculation basis of the referred contribution. Inter has a decision of the Federal Supreme Court, dated December 19, 2005, granting the right to pay COFINS based only on the revenue from services rendered, instead of the total revenue which would include financial revenues. During the period from 1999 to 2006, Inter made a judicial deposit and/or made the payment of the obligation. In 2006, upon a favorable decision of the Federal Supreme Court and express agreement of the Federal Revenue Service, Inter’s judicial deposit was released. In addition, the authorization of the use of credits, for amounts previously overpaid, against current obligations was ratified without challenge by the Federal Revenue Service, on May 11, 2006.

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 83 Inter & Co, Inc. The following table shows the related processes and the value being claimed. 06/30/2022 Note Principal Fine Interest Restated amount Value at risk Percentage (i) 8,586 6,440 8,167 23,193 10,437 45% (ii) 11,212 8,409 15,528 35,149 15,817 45% (iii) 10,220 15,858 - 26,078 - - (iv) 1,254 251 2,664 4,169 1,459 35% (v) - 688 220 908 409 45% (vi) 1,367 273 903 2,543 1,144 45% (vii) 3,496 699 4,985 9,180 4,131 45% (viii) 9,310 6,982 7,230 23,522 10,585 45% 45,445 39,600 39,697 124,742 43,982 12/31/2021 Note Principal Fine Interest Restated amount Value at risk Percentage (i) 8,586 6,439 7,408 22,433 10,095 45% (ii) 11,212 8,409 14,537 34,158 15,371 45% (iii) 10,027 154,414 - 164,441 - 0% (iv) 1,254 251 2,600 4,105 1,437 35% (v) - 688 185 873 393 45% (vi) 1,367 273 834 2,474 1,113 45% (vii) 3,496 699 4,809 9,004 4,052 45% (viii) 9,310 6,982 6,407 22,699 10,215 45% 45,252 178,155 36,780 260,187 42,676 (i) On July 2, 2010, the Federal Revenue Service, contrary to a decision of the Federal Supreme Court, which was final and unappealable, as described above, filed an administrative proceeding claiming the amounts of judicial deposits related to COFINS previously made by Inter. On October 5, 2010, an injunction was granted demanding that the defense presented in the administrative proceeding files be heard within the hierarchical appeal process as well as suspending the demand for payment. The last update of the process took place in 2017, with a hearing with the auxiliary judge to emphasize the particularities of the case, in particular the reasons why the special appeal in the Union should not be admitted due to procedural aspects. (ii) On July 14, 2010, the Brazilian Federal Revenue Service filed an administrative proceeding charging the amounts of refund requests for COFINS overpaid collected by Inter. The proceeding is in progress, awaiting the formalization of the CARF decision regarding the judgment of the motion for clarification. After Inter filed an Expression of Dissatisfaction, the Administrative Council of Tax Appeals determined the suspension of the administrative process until its judgment at the Federal Supreme Court.

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 84 Inter & Co, Inc. (iii) On November 11, 2010, tax assessment notices were issued claiming amounts due of PIS and COFINS, plus a fine of 75% and interest on arrears in the period from March 2006 to December 2008. After Inter filed an Expression of Dissatisfaction, the Administrative Council of Tax Appeals determined the suspension of the administrative process until its judgment at the Federal Supreme Court. (iv) On December 15, 2014, a tax assessment notice was issued claiming amounts due of COFINS due to alleged underpayment in the period from January 2010 to December 2011, plus a fine of 75% and interest on arrears. (v) On October 9, 2015, Inter was notified by Internal Revenue Service of the decision to dismiss its right to offset tax payables in January and February 2014 with the COFINs credits arising from past payments considered undue by Inter. On November 3, 2015, Inter filed an Expression of Dissatisfaction, to which a response is pending. Currently, the distribution of Banco Inter's appeal in CARF and subsequent designation of Reporting Board Member is awaited. (vi) On January 24, 2017, a tax assessment notice was issued claiming an isolated fine of 50% on the amount of the tax payable whose offset was not approved in administrative proceeding No. 10680.723654/2015-41. On February 24, 2017, an objection was presented by Banco Inter, which is awaiting consideration at the 1st administrative level. (vii) On April 5, 2017, a tax assessment notice was issued claiming amounts of COFINS due, plus a fine of 75% and interest in arrears, on the allegation that Inter, in the calendar year 2013, underpaid due to the non-inclusion of “financial revenue” in the calculation basis. On March 26, 2019, Inter’s voluntary appeal was distributed to the 1st Ordinary Class of the 2nd Chamber of the 3rd Judicial Section of CARF (“Administrative Board of Tax Appeals”). It is expected the appeal to be included in the list of CARF judgments. (viii) On October 31, 2018, a tax assessment notice was issued claiming the amounts owed for COFINS, plus a 75% fine and default interest, on the grounds that Inter, in calendar year 2014, underpaid the tax due to the non-inclusion of “financial revenue” in the calculation basis. Inter is waiting the decision for the challenge filed.

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 85 Inter & Co, Inc. 24 Other liabilities 06/30/2022 12/31/2021 Provision for creditors and various suppliers 138,708 239,901 Lease financial liabilities (note 24.a) 162,671 137,085 Payments to be processed 13,765 48,639 Contract liabilities (a) 47,154 48,943 Covenants 40,730 37,301 Provisions for salaries, vacations and other labor charges 74,203 44,684 Other liabilities 21,553 27,439 Financing to be released 95,505 17,704 Payable dividends 6,232 11 Others 17,568 15,643 Total other liabilities 618,089 617,349 (a) Contract liabilities: The balance consists of amounts received, not yet recognized in income (loss) arising from the exclusive contract for insurance products signed between the subsidiary Inter Digital Corretora and Consultoria de Seguros Ltda. (“Inter Seguros”) and Liberty Seguros a. Lease liabilities The changes in lease liabilities for the period are as follows: Balance on January 1, 2022 137,085 New contracts 25,587 Payments 2,671 Accrued interest (2,672) End balance on June 30, 2022 162,671 Balance on January 1, 2021 111,328 New contracts 12,486 Payments (29,793) Accrued interest 43,064 End balance on June 30, 2021 137,085 Lease maturity The maturity of financial liabilities in 2022 is as follows: 06/30/2022 12/31/2021 Up to 1 year 1,497 2,765 1-5 years 36,827 12,486 >5 years 124,347 121,834 Total 162,671 137,085

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 86 Inter & Co, Inc. 25 Equity a. Share capital Quantity of shares Date Class A Class B Total 06/30/2022 284,122,436 117,037,105 401,159,541 06/30/2022 284,122,436 117,037,105 401,159,541 As of June 30, Inter & Co, Inc. authorized share capital is US$50,000 divided into 20,000,000,000 shares of par value of US$0.0000025 each, of which 284,122,436 have been issued as common shares with a par value of US$0.00001 each and 117,037,105 have been issued as preferred shares with a par value of US$0.0000025 each. The share capital comprising shares issued refers to the authorized capital. Inter & Co. Inc, share capital paid was R$ 13 as of June 30, 2022. Without prejudice to any special rights conferred thereby on the holders of any other shares or class of shares established holders of Common Shares and holders of Preferred Shares shall: (a) have the same rights, except regarding voting right. Holders of Common Shares have the right to 1 (one) vote in any of the matters being decided in the general meetings, while holders of Preferred Shares have the right to 10 (ten) votes in any of the matters being decided in the general meetings of Inter&Co. (b) be entitled to such dividends as the Board may from time to time declare; (c) in the event of a winding-up or dissolution of the Company, whether voluntary or involuntary or for the purposes of a reorganization or otherwise, or upon any distribution of capital, be entitled to the surplus assets of the Company, subject to the terms of any shareholders agreement to which all Members are a party; and (d) generally be entitled to enjoy all of the rights attaching to Common Shares and Preferred Shares. b. Reserves For the six-month period ended June 30, 2022, Inter & Co, Inc. concluded the final stage of the corporate reorganization. As a result, there was a significant movement in reserves because previously (12/31/2021), the percentage of ownership interest in subsidiary HoldFin was 31.44%, which according to the events described in note 1, held 100% of the subsidiary as of the six-month period ended June 30, 2022. Accordingly, the balance of reserves is R$ 7,842,630 (December 31, 2021: R$ 2,728,396). It is worth noting that the incorporated value refers to what was previously registered as non-controlling interest, therefore, the balance which is currently in note 25f refers only to the subsidiaries’ amount of which Inter (subsidiary) does not hold 100% of ownership interest, see note 4.1.

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 87 Inter & Co, Inc. c. Other comprehensive income The Inter’s balance of other comprehensive income is R$(808,584) (December 31, 2021: R$ (72,284)). The amount corresponds to the change in market value of federal government bonds classified at fair value against other comprehensive income and exchange-rate change adjustment of foreign investment and the amounts resulting from the corporate reorganization. d. Dividends and interest on capital Inter & Co Inc. has not declared or paid dividends in the six-month period ended June 30, 2022. e. Earnings per share Basic and diluted earnings per share Basic loss per share is shown as follows: Quarter Six-month period 06/30/2022 06/30/2021 06/30/2022 06/30/2021 Net income (loss) attributable to shareholders (In thousands of Reais) 15,525 (30,498) (13,297) (33,191) Average number of shares 418,169,269 418,169,269 418,169,269 418,169,269 Basic and diluted earnings per share (R$) 0.0371 (0.0794) (0.0318) (0.0794) Basic and diluted earnings (losses) per share are presented based on the two classes of shares, common and preferred, and are calculated by dividing the net earnings attributable to the parent company by the weighted average number of shares of each class outstanding in the period. The amount of earnings per share was determined as if all profits/losses were distributed and calculated in accordance with the requirements of IAS 33 - Earnings per Share. f. Non-controlling interest Prior to the Restructuring occurred on May 7, 2022, the non-controlling interest corresponds to the investments of third parties in the direct and indirect subsidiaries of Banco Inter. After the Restructuring, the non-controlling interest corresponds to third party investors in Banco Inter and third party investors in the direct or direct subsidiaries of Banco Inter. As of December 31, 2022, Inter & Co, Inc. indirectly held 31.44% of Banco Inter total equity interest, and 53.1% of the voting rights.

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 88 Inter & Co, Inc. In June 2022, the Company concluded the second stage of the Restructuring and HoldFin became the holder of 100% of the shares of Banco Inter, eliminating the non- controlling interest related to the former shareholders of Banco Inter, the remaining non-controlling shareholders of Inter & Co refer only to minority interests in the subsidiaries of Banco Inter. 26 Net interest income Quarter Six-month period 06/30/2022 06/30/2021 06/30/2022 06/30/2021 Interest income Amounts due from financial institutions 31,814 7,947 61,953 22,374 Loans and advances to customers 595,720 297,700 1,074,180 569,418 Income from foreign exchange operations (5,420) 13 3,407 2,872 Finance leases 198 - 3,932 - Total interest income 622,312 305,660 1,143,472 594,664 Interest expenses Securities issued (182,590) (29,606) (309,154) (58,619) Deposits from customers (246,633) (49,804) (430,691) (79,035) Saving (19,865) (4,166) (37,568) (6,904) Securities purchased with agreements to resell (15,044) (1,957) (23,242) (2,572) Borrowing and onlending (909) (1,053) (1,157) (1,620) Finance leases - 325 - (3,070) Total interest expenses (465,041) (86,261) (801,812) (151,820) Total 157,271 219,399 341,660 442,844 27 Net result from services and commissions Quarter Six-month period 06/30/2022 06/30/2021 06/30/2022 06/30/2021 Revenues from services and commissions 5,174 3,694 12,074 6,656 Income from bank fees 16,155 11,281 28,409 22,316 Income from exchange 149,403 78,212 276,452 139,400 Commissions and intermediation 128,929 67,923 249,273 122,400 Third parties´ funds administration 11,162 6,004 19,181 11,169 Exchange brokerage and securities 7,760 1,155 16,732 3,884 Income from credit card 503 177 895 333 Management and structuring fees 1,295 1025 4,177 1,309 Other services 2,118 1,624 3,812 2,910 Commissions and intermediation (416) 1,175 (496) (1,851) Bank expenses (32,272) (23,016) (60,708) (43,269) Expenses on cashback (85,250) (60,184) (167,537) (98,666) Net result from services and commissions 204,561 89,070 382,264 166,756

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 89 Inter & Co, Inc. 28 Other revenues Quarter Six-month period 06/30/2022 06/30/2021 06/30/2022 06/30/2021 Revenues from cards (a) 52,204 45,719 92,938 74,808 Other capital gains (losses) 22,428 13,917 60,914 20,754 Foreign exchange revenues 25,563 6,689 42,596 12,565 Other operating revenues 6,450 6,067 15,231 7,580 Revenue from goods 2,796 - 5,693 - Business intermediation income (688) 156 1,172 744 Recovery of charges and expenses 986 1,571 1,279 3,213 Portability income 756 1,404 1,567 2,524 Receivable income from securities and credits 877 525 2,389 1,359 Total 111,372 76,048 223,779 123,547 (a) Performance revenue: consists mainly of the result of the commercial agreement between Inter and Mastercard, which offers performance bonuses to Inter as the volume of card issuance increases. 29 Impairment losses on financial assets Quarter Six-month period 06/30/2022 06/30/2021 06/30/2022 06/30/2021 Impairment losses on loans and advances to clients (392,106) (197,361) (573,597) (297,512) Expected loss on financial assets classified as fair value through other comprehensive income - FVTOCI 3 (3,200) 1,264 (3,906) Expected losses on financial assets classified as amortized cost 1,154 18 1,203 (925) Recovery of written-off credits 148,485 33,102 15,720 28,233 Total impairment loss on financial assets (242,464) (167,441) (555,410) (274,110) (i) Balance reclassified from Interest revenue, according to the policy presented in Note 4. 30 Personnel expenses Quarter Six-month period 06/30/2022 06/30/2021 06/30/2022 06/30/2021 Salaries (73,982) (42,656) (150,127) (81,080) Executive Board’s and Board of Directors’ remuneration (7,065) (5,402) (12,775) (11,615) Social and social security charges (28,739) (18,095) (55,477) (32,706) Profit sharing (3,163) (4,033) (7,764) (7,523) Expenses with vacation and 13th salary (14,298) (8,702) (27,940) (16,337) Benefits (45,318) (13,650) (62,762) (24,224) Other personnel expenses 99 (508) (741) (1,422) Total (172,466) (93,046) (317,586) (174,907)

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 90 Inter & Co, Inc. 31 Other administrative expenses Quarter Six-month period 06/30/2022 06/30/2021 06/30/2022 06/30/2021 Data processing and informatics (135,362) (94,004) (262,380) (173,027) Bank expenses (13,061) (19,278) (58,991) (49,670) Tax expenses (61,600) (29,997) (118,293) (58,081) Rent, condominium fee and property maintenance (14,829) (8,792) (29,147) (16,668) Third-party services (24,377) (18,924) (59,419) (36,185) Advertisement, publicity, publications and public relations (32,269) (33,290) (74,820) (59,370) Communication (33,470) (24,848) (65,506) (46,741) Resources from reimbursement to customers (27,094) (19,119) (50,535) (21,606) Notary public and legal expenses (3,251) (2,066) (7,578) (3,838) Granted discounts (1,005) (2,495) (1,875) (5,224) Water and energy expenses (779) (750) (1,597) (1,563) Expenses for Serasa (3,919) (425) (6,022) (1,269) Travel expenses (4,202) (916) (6,699) (1,654) Portability expenses (3,234) (7,352) (7,306) (10,849) Other expenses (42,958) (35,384) (80,213) (54,842) Provisions for contingencies (6,595) (5,494) (10,765) (9,177) Cost of goods (2,213) - (2,213) - Provision for legal and administrative matters - - (358) - Total (410,218) (303,134) (843,717) (549,764) 32 Current and deferred income tax and social contribution a. Amounts recognized in the income (loss) for the six-month period Quarter Six-month period 06/30/2022 06/30/2021 06/30/2022 06/30/2021 Current income tax and social contribution expenses Current six-month period (52,051) 3,563 (85,263) (16,754) Deferred income tax and social contribution expenses Provision for impairment losses on loans and advances 55,263 70,363 137,533 104,811 Provision for contingencies 1,132 (1,148) 989 (865) Adjustment of financial assets to fair value 8,113 (74,077) 10,947 (82,063) Other temporary differences 6,909 (98,035) 19,834 (75,042) Hedge transactions (2,495) 6,377 333 16,250 Carried forward tax losses (13,217) 180,111 (9,447) 175,684 Subtotal deferred income tax and social contribution expenses 55,705 83,591 160,189 138,775 Total tax expense (benefit) 3,654 87,154 74,926 122,021

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 91 Inter & Co, Inc. b. Effective rate reconciliation Quarter Six-month period 06/30/2022 06/30/2021 06/30/2022 06/30/2021 Income tax Income tax Income tax Income tax Profit before tax 11,871 (120,146) (88,223) (157,705) Tax average using 45% (5,342) 45% 54,065 45% 39,700 45% 70,967 Tax effect of Interest on capital distribution - 14,004 17,126 18,671 Non-taxable income (non-deductible expenses) net (38,252) 316 (48,780) (679) Tax incentives 5,665 522 5,665 340 Subsidiaries not subject to Real Profit taxation 39,541 18,674 59,043 32,353 Others 2,042 (427) 2,171 368 Total income tax benefit/ expense 3,654 87,154 74,925 122,021 Effective tax rate 31% -73% -91% -77% Total income tax benefit/ expense 3,654 87,154 74,925 122,021 Total deferred income tax and social contribution 55,705 83,591 160,189 138,775 Total income tax and social contribution expenses (52,051) 3,563 (85,263) (16,754) c. Changes in balances of deferred assets Balance at 12/31/2021 Constitution Realization Balance at 06/30/2022 Composition of the deferred tax assets Provision for impairment losses on loans and advances 295,799 215,333 (77,799) 433,333 Provision for contingencies 9,720 1,319 (330) 10,709 Adjustment of financial assets to fair value 184,886 115,282 (21,192) 278,976 Other temporary differences 62,939 26,162 (13,649) 75,452 Carried forward tax losses 95,574 36,597 (46,043) 86,127 Provision for loss of non-current assets held for sale 8,990 - - 8,990 Expected loss on financial instruments 6,436 - - 6,436 Hedge transactions 31,181 12,328 (11,996) 31,514 Others 695,525 407,021 (171,010) 931,527 Composition of the deferred tax liabilities Deferral of commissions (3,869) 45 - (3,824) Leases - - (11,894) (11,894) Other temporary differences (21,820) 21,528 - (292) Others (63,546) - (2,358) (65,904)

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 92 Inter & Co, Inc. (89,235) 21,573 (14,253) (81,915) Total tax credits on temporary differences 606,290 428,594 (185,262) 849,622 (*) The accounting records of these tax credits are based on the expectation of generating future taxable income and supported by technical studies and income projections. Balance at 12/31/2020 Constitution Realization Balance at 06/30/2021 Composition of the deferred tax assets Provision for impairment losses on loans and advances 109,620 108,847 (4,035) 214,432 Provision for contingencies 8,791 865 (1,730) 7,926 Adjustment of financial assets to fair value - 12,835 (1,597) 11,239 Other temporary differences 1,893 1,006 (1,508) 1,392 Carried forward tax losses 58,794 200,249 (24,565) 234,478 Provision for loss of non-current assets held for sale 4,383 - - 4,383 Expected loss on financial instruments 343 - - 343 Hedge transactions 22,195 26,220 (9,969) 38,445 Others 206,019 350,022 (43,403) 512,637 Composition of the deferred tax liabilities Deferral of commissions (5,576) 1,120 (4,456) Leases (18,509) 18,509 (55,327) (55,327) Other temporary differences (36,841) 10,967 (25,874) Others - - (60,926) 30,597 (55,327) (85,656) Total tax credits on temporary differences 145,093 380,618 (98,730) 426,981 33 Share-based payments a. Stock Option Banco Inter The Stock Option Plan, established under the terms of art. 168, § 3, of Law 6404/1976, is an initiative of the Board of Directors of Inter, through which Inter's managers, executives and employees were granted options for the acquisition of Inter Shares, with a view to encourage performance and favoring the retention of Inter's managers, executives and employees, insofar as their participation in Inter's capital will allow them to benefit from the results to which they have contributed and which will be reflected in the appreciation of the price of their shares, thus forming, with the shareholders, a common interest. In 2016, the third Stock Option Plan (“Plan 3”) was launched, with vesting periods from 2017 to 2021. The options that become exercisable may be exercised by the participant within three years of the last vesting period. Employees who do not exercise the option within the deadline or who are dismissed by Inter lose the right to exercise it.

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 93 Inter & Co, Inc. On February 5, 2018, Inter’s Board of Directors approved the purchase option called “Plan 4”, as well as the grant of Program 1 of Plan 4. Program 2 of “Plan 4” was approved on July 9, 2020, with a vesting period starting from January 2021 to January 2025. On January 31, 2022, Program 3 of “Plan 4” was approved, with a vesting period starting in December 2022 to December 2026. The options of Program 2 and Program 3 may be exercised within a period of 2 (two) years, counted from the respective vesting periods. If they are not exercised within the specified period, the right to the shares will be automatically extinguished, without any right to compensation. The strike price of the options granted under Plan 3 and Program 1 of Plan 4 is equivalent to the book value per share at the end of the year prior to the grant. For the Program 2 of Plan 4, the strike price is equivalent to the division by three of the result of the average quotation of the Units issued by the Bank (BIDI11 – formed by the set of 1 common share and 2 preferred shares), as determined at the closing of the last 90 sessions of the special trading segment of B3 S.A. – Brasil, Bolsa e Balcão. For Program 3 of Plan 4, the strike price is equivalent to the division by 3 (three) of the result of the average quotation of the Units (BIDI11 – formed by the set of 1 common share and 2 preferred shares), as determined at the closing of the trading sessions of the special trading segment of B3 S.A. – Brasil, Bolsa, Balcão carried out in the period from 01/03/2022 to 01/28/2022 (including). The rules for exercising and terminating options are part of the plan’s regulation and filed at Inter’s headquarters. The main characteristics of the Plans are described below (per share): Plan Approval Options (shares) Vesting Average strike price Participants Final date for exercise 3 09/30/2016 10,584,000 Up to 5 years R$0.26 Key directors, managers and employees 12/31/2023 4 (1) 02/15/2018 32,714,784 Up to 5 years R$0.25 Key directors, managers and employees 02/15/2025 4 (2) 07/09/2020 19,093,500 Up to 5 years R$3.60 Key directors, managers and employees 12/31/2027 4 (3) 01/31/2022 19,500,000 Up to 5 years R$8.08 Key directors, managers and employees 12/31/2028 Changes in the options of each plan for the six-month period ended June 30, 2022 and supplementary information are shown below: Changes - 06/30/2022 (Shares) Plan Number of employees Opening balance Granted Exercised Closing balance Prescribed/ Cancelled 3 2 4,060,800 - - 4,060,800 - 4 (1) 30 14,748,390 - 21,600 13,869,996 856,794 4 (2) 74 17,792,100 - 162,900 525,150 17,104,050 4 (3) 88 - 17,061,000 - - 17,061,000 Total 36,601,290 17,061,000 184,500 18,455,946 35,021,844

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 94 Inter & Co, Inc. Weighted average price of shares R$ 2.39 R$ 8.08 R$ 3.21 R$ 0.35 R$ 5.70 Changes - 12/31/2021 (Shares) Plan Number of employees Opening balance Granted Exercised Closing balance Prescribed /Cancelled 3 3 7,128,000 648,000 - 3,715,200 4,060,800 4 (1) 31 19,652,310 - 2,131,200 2,772,720 14,748,390 4 (2) 59 14,978,700 4,114,800 135,000 1,166,400 17,792,100 Total 41,759,010 4,762,800 2,266,200 7,654,320 36,601,290 Weighted average price of shares R$ 1.46 R$ 4.06 R$ 0.50 R$ 0.91 R$ 2.39 Other information - 06/30/2022 Plan Number of shares exercised Number of exercisable shares Premium cost during the year Unrecognized premium cost Remaining period of remuneration cost (in years) Remaining contractual life (in years) 3 4,060,800 - - - - 1.5 4 (1) 13,869,996 856,794 - - - 2.7 4 (2) 525,150 17,104,050 1,599 15,325 4.0 5.6 4 (3) - 17,061,000 13,374 77,708 5.0 6.6 Other information - 12/31/2021 Plan Number of shares exercised Number of exercisable shares Premium cost during the year Unrecogniz ed premium cost Remaining period of remuneration cost (in years) Remaining contractual life (in years) 3 3,715,200 4,060,800 - - - 2.0 4 (1) 2,772,720 14,748,390 - - - 3.2 4 (2) 1,166,400 17,792,100 3,089 16,924 4.0 6.1 (a) The premium cost referring to the first tranche of plan 4 is the responsibility of the participants, and no cost is recognized by Inter. The estimated impact refers to the value of the premiums for the options granted to employees in the half-yearly financial statements based on their fair value. The fair values of plans 3, 4 (Program 1) and 4 (Program 2) were estimated based on the Black & Scholes option valuation model. Program 3(2016) 4(2018) 4(2020)

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 95 Inter & Co, Inc. Strike price 0.77 0.9 10.75 Risk-free rate 11.68% 9.97% 9.98% Duration of the year (years) 7 7 7 Expected annualized volatility 60.33% 64.28% 64.28% Weighted fair value of the stock option at grant/share date: 0.19 0.05 0.05 For Program 3 of Plan 4, the fair value was estimated based on the Binomial model: 4(2022) Strike price 8.08 Risk-free rate 11.45% Duration of the year (years) 7 Expected annualized volatility 38.81% Weighted fair value of the stock option at grant/share date:: 4.08 b. Stock Option USEND In the context of the acquisition of Usend by Inter, it was established that part of the purchase price would be paid to key executives by granting stock options of Usend, with the possibility of granting class A shares of Inter&Co. and restricted class A shares of Inter&Co, as appropriate. The stock options granted and the release of the restricted shares can be exercised by key executives in three installments over three years (2022, 2023 and 2025). With the exercise, the executives will receive the shares free for trading on the market. Inter has the right to repurchase the stock options and the restricted shares if these key executives cease to provide services to the Company within the term of the acquisition contract. Nevertheless, all shares will remain subject to other transfer restrictions established in the contract and in the applicable legislation. The main characteristics of the Plans are described below (per share): Plan Options Vesting Average strike price Participants Final date for exercise USEND 1,132,885 Up to 3 years 1,92USD for Common Key directors, managers and employees 12/30/2024 Changes in the options of each plan for the six-month period ended June 30, 2022 and supplementary information are shown below: Changes - 06/30/2022 (Shares) Plan Number of employees Opening balance Granted Exercised Closing balance Prescribed/ Cancelled

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 96 Inter & Co, Inc. USEND 4 - 1,132,885 - - 1,132,885 Total - 1,132,885 - - 1,132,885 Weighted average price of shares - R$ 102.00 - - R$ 102.00 If they are not exercised within the specified period, the right to the shares will be automatically extinguished, without any right to compensation. 34 Related party transactions Transactions with related parties are defined and controlled in accordance with the Related-Party Policy approved by the Group’s Board of Directors. The policy defines and ensures transactions involving the Group and its shareholders or direct or indirect related parties. The transactions with related parties are detailed below:

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 97 Inter & Co, Inc. Parent (a) Subsidiaries (b) Key management personnel (c) Other related parties (d) Total 06/30/2022 12/31/2021 06/30/2022 12/31/2021 06/30/2022 12/31/2021 06/30/2022 12/31/2021 06/30/2022 12/31/2021 Assets Loan operations 19,578 8 143,808 159,261 14,100 19,789 458,641 426,967 636,127 606,025 Inter Holding Financeira S.A. - - 20,819 14,388 - - - - 20,819 14,388 Granito soluções em pagamentos S.A. - - 17,240 45,882 - - - - 17,240 45,882 Inter Distribuidora de títulos e valores mobiliários Ltda. (h) - - 105,166 98,865 - - - - 105,166 98,865 Log Commercial Properties e Participação S/A (g) - - - - - - 52,313 61,914 52,313 61,914 MRV Engenharia e Participações S.A.(e) - - - - - - 247,952 243,648 247,952 243,648 Stone Pagamentos S.A. (f) - - - - - - 110,129 103,732 110,129 103,732 Key management personnel (c) - - - - 14,100 19,789 - - 14,100 19,789 Others (k) 19,578 8 583 126 - - 48,247 17,673 68,408 17,807 Securities 12,079 371 82,661 87,557 14,448 25,962 92,665 146,085 201,853 259,975 Inter Marketplace Intermediacao de Negocios e Servicos ltda - - 36,947 20,235 - - - - 36,947 20,235 Inter Distribuidora de títulos e valores mobiliários Ltda. - - 43,788 59,779 - - - - 43,788 59,779 Inter Digital Corretora e Consultoria de Seguros Ltda - - - 3,429 - - - - - 3,429 Conedi Participações Ltda - - - - - - 6,325 88,231 6,325 88,231 Key management personnel (c) - - - - 14,448 25,962 - - 14,448 25,962 Others (k) 12,079 371 1,926 4,114 - - 86,340 57,854 100,345 62,339 Other assets (j) - - 23,008 32,341 - - - - 23,008 32,341 Inter Marketplace Intermediacao de Negocios e Servicos ltda - - 20,921 30,479 - - - - 20,921 30,479 Inter Distribuidora de títulos e valores mobiliários Ltda. - - 929 1,602 - - - - 929 1,602 Inter Digital Corretora e Consultoria de Seguros Ltda - - 1,145 258 - - - - 1,145 258 Others (k) - - 13 2 - - - - 13 2 Liabilities Demand deposits (i) (895) (318) (91,617) (86,679) (1,409) (800) (11,830) (9,318) (105,751) (97,115) Inter Distribuidora de títulos e valores mobiliários Ltda. - - (34,774) (20,427) - - - - (34,774) (20,427) Inter Holding Financeira S.A. - - (4,907) - (4,907) - Inter Marketplace Intermediacao de Negocios e Servicos ltda - - (29,834) (53,535) - - - - (29,834) (53,535) Acerto Cobrança e Informações Cadastrais Ltda - - - (1,966) - - - - - (1,966) Inter Digital Corretora e Consultoria de Seguros Ltda - - (20,744) (9,985) - - - - (20,744) (9,985) Urba Desenvolvimento Urbano AS (l) - - - - - - - - - (18) MRV Engenharia e Participação S/A (m) - - - - - - - - - (78) Key management personnel (c) - - - - (1,409) (800) - - (1,409) (800) Others (k) (895) (318) (1,358) (766) - - (11,830) (9,318) (14,083) (10,402) Time deposits (i) (12,079) (371) (82,661) (87,557) (14,448) (25,962) (92,665) (146,085) (201,853) (259,975) Inter Marketplace Intermediacao de Negocios e Servicos ltda - - (36,947) (20,235) - - - - (36,947) (20,235) Inter Distribuidora de títulos e valores mobiliários Ltda. - - (43,788) (59,779) - - - - (43,788) (59,779) Inter Digital Corretora e Consultoria de Seguros Ltda - - - (3,429) - - - - - (3,429) Conedi Participações Ltda - - - - - - (6,325) (88,231) (6,325) (88,231) Key management personnel (c) - - - - (14,448) (25,962) - - (14,448) (25,962) Others (k) (12,079) (371) (1,926) (4,114) - - (86,340) (57,854) (100,345) (62,339) Other liabilities (j) - - (64,498) (32,341) - - - - (64,498) (32,341) Inter Marketplace Intermediacao de Negocios e Servicos ltda - - (42,816) (30,479) - - - - (42,816) (30,479) Inter Distribuidora de títulos e valores mobiliários Ltda. - - (3,966) (1,602) - - - - (3,966) (1,602) Inter Digital Corretora e Consultoria de Seguros Ltda - - (15,430) (258) - - - - (15,430) (258) Others (k) - - (2,286) (2) - - - - (2,286) (2)

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 98 Inter & Co, Inc. (a) Inter is controlled directly by Inter Holding Financeira S.A. and indirectly by Inter & Co; (b) Entities directly controlled by Inter; (c) Any officer, director, member of the supervisory board or the audit committee; (d) Any members of the immediate family of key management personnel or companies controlled by them; (e) MRV Engenharia e Participação S.A. is a member of the same shareholding control group as Inter. Its operations are of drawee risk, with rates between 0.8% and 1.95%, and average term of 30 days. (f) Stone has 4.99% of the capital of the Group with voting right at the Meetings. The balance comprises the prepayment of credit card receivables. (g) Investment of Inter with Log Comercial Properties in the form of Debentures, subject to a rate of 116% of DI. There is also investment in shares of LOGCP Inter fundo de Investimento Imobiliário. (h) Refers to working capital operations at floating rates with Inter Distribuidora de Títulos e Valores Ltda, at a lower rate than other operations carried out by Inter with its customers. The average rate applied is approximately 0.5% p.m. together with 110% to 120% of the monthly CDI (because they are short-term operations). (i) Demand deposits and time deposits comprise CDBs (Bank deposit certificates) and LCIs (Real estate credit bills) at floating rates, carried out at rates compatible with the average rate of customers, with an average term of 16 to 20 months, and average rates of 99% to 102% of the CDI; (j) Refer to reimbursements between Inter subsidiaries; (k) The group “Others” refers to various balances, which are not relevant for the breakdown; Parent (a) Subsidiaries (b) Key management personnel (c) Other related parties (d) Total 06/30/2022 06/30/2021 06/30/2022 06/30/2021 06/30/2022 06/30/2021 06/30/2022 06/30/2021 06/30/2022 06/30/2021 Interest income - - 6,302 167 - - - - 6,302 167 Inter Distribuidora de títulos e valores mobiliários Ltda. (e) - - 6,302 167 - - - - 6,302 167 Interest expenses (f) (921) (75) (5,266) (1,079) (606) (165) (7,451) (431) (14,244) (1,750) Inter Distribuidora de títulos e valores mobiliários Ltda. - - (3,225) - - - - - (3,225) - Inter Marketplace Intermediacao de Negocios e Servicos ltda - - (1,793) - - - - - (1,793) - Conedi Participações Ltda - - - - - - (2,384) - (2,384) - Key management personnel - - - - (606) (165) - - (606) (165) Others (921) (75) (248) (1,079) - - (5,067) (431) (6,236) (1,585) Other administrative expenses - - - - - - (419) (164) (419) (164) Conedi Participações Ltda - - - - (419) (164) (419) (164) Other operating revenues (expenses) - - (104,513) (69,116) - - - - (104,513) (69,116) Inter Marketplace Intermediacao de Negocios e Servicos ltda - - (104,513) (69,116) - - - - (104,513) (69,116) (l) Inter is controlled directly by Inter Holding Financeira S.A. and indirectly by Inter & CO. (m) Entities directly controlled by Inter; (n) Any officer, director, member of the supervisory board; (o) Any members of the immediate family of key management personnel or companies controlled by them; (p) Income related to the receipt of interest from the loan transaction with Inter Distribuidora de Títulos e Valores Mobiliários Ltda; (q) Refer to expenses on intermediation of fixed income products;

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 99 Inter & Co, Inc. Compensation of the Bank’s management The compensation of the Group’s key management personnel is presented in note 30 in the line item ‘compensation of the management’, ad referendum of the Ordinary General Meeting. The Group has a preferred stock option plan for its key management personnel. Further information on the plan is detailed in Note 33. 35 Subsequent events As of the date of these financial statements, there have been no subsequent events.

Unaudited consolidated interim financial statements as of and for the six-month periods ended June 30, 2022 and 2021 100 Inter & Co, Inc. Board of Directors Rubens Menin Teixeira de Souza - Chairman José Felipe Diniz - Director Leonardo Guimarães Corrêa - Director Maria Fernanda Nazareth Menin Teixeira de Souza – Director Carlos Henrique Carneiro de Medeiros - Director Cristiano Henrique Vieira Gomes - Director Thiago dos Santos Piau - Director Luiz Antônio Nogueira de França - Independent Director André Guilherme Cazzaniga Maciel - Independent Director CEO João Vitor Nazareth Menin Teixeira de Souza Vice Presidents Alexandre Riccio de Oliveira Executive Board João Vitor Nazareth Menin Teixeira de Souza Alexandre Riccio de Oliveira Guilherme Ximenes de Almeida Helena Lopes Caldeira Priscila Salles Vianna de Paula Ray Tarick Pereira Chalub Santiago Stel Accountant in Charge Vanderson Gonçalves Brandão - CRC-1SP 253.620/O-7 “S” MG