United States Securities and Exchange Commission Washington, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of June 2024 Commission File Number 132-02847 INTER & Co, INC. (Exact name of registrant as specified in its charter) N/A (Translation of Registrant’s executive offices) Av Barbacena, 1.219, 22nd Floor Belo Horizonte, Brazil, ZIP Code 30 190-131 Telephone: +55 (31) 2138-7978 (Address of principal executive office) Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F. Form 20-F ☒ Form 40-F ☐ Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(1): Yes ☐ No ☒ Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(7): Yes ☐ No ☒
2023 Annual Report Pocket Version
Insurance Health Through the Financial Super App, Inter&Co's activities transcend banking barriers and reach the generation of positive impact on several fronts and for multiple audiences, for society, and the environment. Digital account Corporate account Pix Kids Account Credit card Banking Pay order on credit Digital credit card Pix on credit Real Estate Credit Advance of FGTS Payroll Loan Credit More limit savings Vehicle financing Consortiums Credit Investment platform Meu Porquinho (“My Piggybank”) Investe Fácil (“Invest Easy”) Savings Private pension Investments Exchange points for miles Exchange points for dollars Exchange points for a discount on your bill Exchange points for extra cashback Exchange points for cashback directly on your bill Exchange points for investments in Meu Porquinho (“My Piggybank”) Loop Life insurance Pix Insurance More protected card Travel insurance Home insurance Dental plan Pet health plan Telemedicine Shopping Travel Duo Gourmet Recharge Shell Box Cell Phone Plans Gift Card Sustainable Living Shopping & experiences Inter&Co's Annual Report presents the company's results in generating shared value for its various stakeholder groups, contributing to advancement of the ESG agenda by strengthening the integration of governance, people, and environmental issues at the company and its purpose of unlocking possibilities for an intelligent financial life. Looking beyond the horizon, we are excited about the prospects for 2024. We are focused on delivering the second year of our "60-30-30 Plan". Our ongoing quest to drive innovation and technology, which was even the most popular material topic in our stakeholder survey in 2023, will unlock even more possibilities for a smarter financial life for our customers. ESG at Inter&Co Strategic vision driven by technology and innovation Inter&Co offers the Financial Super App: a powerful platform with integrated products and services, designed to meet the needs of the various moments in its customers' lives. Through an unique and transformative ecosystem, Inter&Co unlocks possibilities for a smart financial life. The Super App for your financial life João Vitor Menin Inter&Co CEO Banking products Non-banking products 01 2023 Annual Report | Pocket Version Download the full report
1.200 #SangueLaranjas (internal stakeholders) 3rd Round of Feedback from Stakeholders billion 54.5% 30 million54% 8.1 5% Activation rate (+300bps YoY) Total Gross Revenue (+35% YoY) (-18p.p YoY) Efficiency Index Total number of Customers (+19% YoY) (+5,1 p.p YoY) ROE billion points generated 3.4 5.4 active customers million +Internal workshops +Interviews with stakeholders Alignment with the SDGs The SDG Radar reflects deployment of the priorities identified in the development of Double Materiality in the vision and language of the 2030 Agenda. The more relevant it is to Inter&Co, the more space the SDG has on the Radar. 8.261 stakeholders responded to the online survey 7.061 outside stakeholders The year 2023 was the starting point for the 60-30-30 Plan* and exceptional financial results have already been achieved. The gateway for customers into the world of investments. Inter&Co's points program that provides access to multiple benefits. Meu Porquinho (“My Piggybank”) Loop 1.333.345 customers used the product 44% of customers used Meu Porquinho (“My Piggybank”) as their first investment with Inter&Co. A compass of impact for the company, it defines the main financial, environmental, social, and governance risks and opportunities. 02 2023 *It is a five-year strategic plan that guides the entire company in its quest to reach 60 million customers, achieve an efficiency rate of 30%, and deliver a return on equity (ROE) of 30% by 2027. Launched with success and high customer adoption New products Finance Materiality 2023 Annual Report | Pocket Version Download the full report 10 material topics structured in the Double Materiality Matrix
to open an account 100% free of charge in Brazil 1st digital bank: to integrate marketplace, an investment and insurance platform, global account, and loyalty in the same app 79 The technological foundation of our business model allows us to continue to see beyond the horizon We have revolutionized the financial market, simplifying and innovating in the offer of products and services to operate 100% in the cloud in Latin America 79 We deliver innovation and technology securely. According to Google's principality study (2023) Number 1 in perceived security 03 with a sustainable behavior section in its Super App in Brazil A culture of governance based on transparency, accountability, integrity, and corporate responsibility. of the Board of Directors is made up of independent members 50% Ethics channel available in Portuguese and English, 24 hours a day, seven days a week. Compliance and Integrity policies updated to reflect applicable US regulations. Obtainment of the Pro- Ethics Company seal (CGU) 2022-2023. Innovation and Technology Governance artificial intelligence models implemented in the areas and processes of the business verticals Fraud prevention enhanced with 30 Artificial Intelligence touch points 3.270 Feedback Focus Doing it together Spark #SangueLaranjas incorporating the company's cultural guidelines into their work People 24.200 100% Hours dedicated to training Women in initial leadership positions 46,6% Return to work after ending maternity and paternity leave 2023 Annual Report | Pocket Version Download the full report
+R$16,4 in private social investment +80 projects supported in Call for Volunteers +120 social actions carried out +950 volunteer participations in social actions From 2019 to 2023: 98 articles Blog Podcast Mil Contra +260 thousand views +3.6 million views Social media Personalized Customer Service Journey Internal Tools and Initiatives Inter&Co believes that through financial education it is possible to empower people to make responsible and intelligent decisions in their financial lives. The subject is worked on across the company. through a Working Group (WG) that is developing the Financial Education Policy Governance for Financial Education + guides risk mitigation strategies according to different customer profiles. Financial Education Society 04 97% more eco-efficient on average when compared to the big traditional players energy consumption 97% -98% carbon emissionwater consumption -97% -97% Planet AWS has been offering Inter&Co's cloud infrastructure since 2018. Through AWS Graviton, Inter&Co has achieved better technology performance, significant cost savings, and 60% less energy consumption. Strategic partnerships Our business model is aligned with a low-carbon economy and we are constantly reinforcing this commitment. Since 2019, our GHG Emissions Inventories have been recognized with the Gold Seal (GHG Protocol). Since 2019, we have been offsetting our GHG emissions by purchasing certified carbon credits Measure to act 2023 Annual Report | Pocket Version million Download the full report
SIGNATURE Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized. INTER & Co, INC. By: /s/ Rafaela de Oliveira Vitoria Name: Rafaela de Oliveira Vitoria Title: Investor Relations Officer Date: June 27, 2024