𝐍𝐮 𝐇𝐨𝐥𝐝𝐢𝐧𝐠𝐬 𝐐𝟑 𝟐𝟎𝟐𝟔 𝐑𝐞𝐜𝐨𝐫𝐝 𝟏𝟏𝐁 𝐍𝐞𝐭 𝐈𝐧𝐜𝐨𝐦𝐞 𝐑𝐞𝐯𝐞𝐧𝐮𝐞 𝐆𝐫𝐨𝐰𝐬 𝟑𝟕 𝐄𝐱𝐩𝐚𝐧𝐝𝐬 𝐢𝐧𝐭𝐨 𝐔

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📊 𝐑𝐞𝐬𝐮𝐥𝐭𝐬

• Gross Revenue (Managerial): $6.26B (+37% YoY FX-neutral)

• IFRS Revenue: $5.82B

• Gross Profit (Managerial): $2.60B (+35% YoY FX-neutral)

• Net Income: $1.09B (+31% YoY FX-neutral)

• Net Interest Income: $3.9B

• Net Interest Margin: 22.5%

• Risk-Adjusted NIM: 12.1% vs. 12.4% QoQ

• Return on Equity: 32%

• Efficiency Ratio: 19.3% vs. 20.3% YoY

• Credit Portfolio: $41.6B (+33% YoY FX-neutral)

• Deposits: $47.5B (+19% YoY FX-neutral)

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🎯 𝐎𝐮𝐭𝐥𝐨𝐨𝐤

• FY2026 Efficiency Ratio: 19%–19.5% (improved from ~20%)

• Nu US & Nu Global: Combined efficiency-ratio impact expected to remain within 100 bps in each of 2026 and 2027

• December 8, 2026: Investor Day

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📌 𝐊𝐞𝐲 𝐓𝐚𝐤𝐞𝐚𝐰𝐚𝐲𝐬

• Added 3.7M customers during Q3, reaching 142.6M globally (+12% YoY)

• Brazil activity rate reached a record 86.3%, with Nu serving 65% of the adult population

• Mexico added 870K customers in its first quarter as a bank, reaching 16.6M

• Colombia customers increased 62% to 6.1M, with credit portfolio growth of 80%

• Credit card portfolio reached $27.2B (+32% YoY), while unsecured lending grew 39% to $11.0B

• 90+ day nonperforming loans increased to 7.3% from 6.9% QoQ, indicating higher credit delinquencies

• Monthly average revenue per active customer reached $17.70, up 21% YoY on an FX-neutral basis

• Launched Nu US in September, reaching customers across all 50 states

• Launched Nu Global in October, a stablecoin-based multicurrency account now serving customers in 37 countries

• Q3 efficiency benefited partly from expenses shifting into Q4, while credit costs and marketing investments increased

𝐍𝐮 𝐇𝐨𝐥𝐝𝐢𝐧𝐠𝐬 𝐐𝟑 𝟐𝟎𝟐𝟔: 𝐑𝐞𝐜𝐨𝐫𝐝 $𝟏.𝟏𝐁 𝐍𝐞𝐭 𝐈𝐧𝐜𝐨𝐦𝐞, 𝐑𝐞𝐯𝐞𝐧𝐮𝐞 𝐆𝐫𝐨𝐰𝐬 𝟑𝟕%, 𝐄𝐱𝐩𝐚𝐧𝐝𝐬 𝐢𝐧𝐭𝐨 𝐔.