Santiago Stel

Senior Vice President of Finance and Chief Financial Officer, Inter & Co, Inc.

Search every verified Santiago Stel interview, podcast appearance, and on-the-record quote — each transcript cross-checked by AI and human review to confirm speaker identity. Santiago Stel, Senior Vice President of Finance and Chief Financial Officer at Inter, discussed the company’s financial strategy and performance in a July 2026 episode of IR Talks, following the unveiling of the "Rule of 50" at the 2026 Owners' Day. He stated that the earlier 60-30-30 plan, designed in 2022, had achieved its goal of moving the company to positive profitability, citing a reported 15.5% return on equity (ROE), an efficiency ratio in the low 40s, and improved risk-adjusted net interest margin. He also outlined expectations for two to three percentage points of ROE improvement over the next 12 months, projecting an ROE in the mid-to-high teens by early 2027, and emphasized the company's focus on secure credit products with strong unit economics. In a July 2024 interview on Univisión’s Reto Economía program, Stel highlighted Inter’s financial super app as a single platform combining account, debit card, investment, and mortgage services, and described its user experience as "best in class." He noted that the company maintains a zero-cost account model, stating that charging for deposits would be "almost a crime," and emphasized cybersecurity as a central pillar, with compliance with Brazilian and U.S. regulations. He also advised viewers to invest in financial education, diversify investments, and use the app’s features to maximize money usage.