Inter&Co reverte prejuízo e tem lucro de R$ 15,6 milhões no 2º trimestre
A Inter&Co, holding controladora do Banco Inter e da fintech americana USend, registrou lucro líquido de R$ 15,525 milhões no segundo trimestre de 2022, revertendo o prejuízo líquido de R$ 30,498 milhões verificado no mesmo período de 2021.
A receita bruta total somou R$ 1,5 bilhão, crescimento de 129,9% em um ano. A receita líquida de serviços somou R$ 316 milhões, alta de 91,3% na mesma comparação.
A margem financeira líquida (NIM, na sigla em inglês) foi de 7%, ante 6,9% um ano antes. O índice de eficiência recuou 19,1 pontos percentuais, para 71,5%.
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O retorno sobre o patrimônio (ROE) subiu a 0,8%, enquanto no mesmo intervalo do ano anterior ficou negativo em 2%.
A carteira de crédito bruta avançou 55,5%, para R$ 19,5 bilhões. “O DNA do nosso negócio de crédito é baseado em operar uma carteira altamente colateralizada. Da nossa carteira de crédito total de R$ 19,5 bilhões, 73% foi colateralizado seja por ativos, faturas ou folhas de pagamento”, afirma o Inter.
“Apesar de permanecermos empenhados em ganhar participação de mercado nos produtos, nós estrategicamente decidimos desacelerar a originação de crédito no trimestre, monitorando a performance da carteira em um cenário de NPLs (índices de inadimplência) crescentes.”
O índice de inadimplência acima de 90 dias avançou 0,9 ponto percentual em um ano, para 3,9%. Segundo o Inter, essa alta é explicada sobretudo pelo aumento no NPL de cartões, que atingiu 7,9% no período.
O índice de cobertura contra perdas no crédito ficou em 129%, e 130% no segundo trimestre de 2021.
Já o índice de Basileia avançou 13,3 pontos percentuais, para 32,9%.
A empresa encerrou o segundo trimestre com 20,7 milhões de clientes, aumento de 73% sobre o mesmo período de 2021. Do total de clientes, 10,7...
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