nubank investor presentation

By and large, Nubank identifies itself as a neobank, offering consumers digital accounts and international credit cards. Get the full list, Youre viewing 5 of 15 investments and acquisitions. The company will join what may be the largest contingent of Latin America-based fintechs ever assembled at a Finovate event (see below). You can unsubscribe to any of the investor alerts you are subscribed to by visiting the unsubscribe section below. Today marks a major milestone for Veritrans team, as we embark upon a new chapter of becoming the next fintech unicorn, Veritran CEO and co-founder Marcelo Gonzalez said, while continuing to democratize access to the digital economy. Gonzalez highlighted Trivest Partners successful track record of working with founder-owned businesses and said the collaboration would help Veritran expand into new geographies and reach new customers.. Today, that company, Nubank, is the biggest fintech in Latin America. Given the significant pullback in the stock following the $9.00 IPO in Dec 2021, I believe the current price of around $4.40 presents a strong case for upside over the next 12 months, and more importantly, larger potential upside over the next 3-5 years given their strong acceleration in business metrics and hyper-growth in new countries. The company made its soft launch in October of last year and says that it already has financed transactions for dozens of SMEs.. "It takes a lot of money to invest" "Investing is very difficult" "Money in savings is the best option" "It takes a lot of money to invest" The company has more than 140 bank, neobank, and fintech customers since going live with its platform in 2020. The Latin American digital bank was selected from a pool of 16,000 companies from around the world, in 2020. These solutions include the banks Pre-Authorized Payments Manager, Same Day Grace feature, and BMO CashTrack. But the title of Technology Disruptor is still a coveted one, especially in the popular media where talking heads talk about technology trends like celebrities mincing down the red carpet on awards night. Vlez said that the capital from the IPO will help fuel Nubanks expansion in Mexico and Colombia, en route to becoming a truly pan-Latin American banking services provider. ZIM also was the entity behind the $100 million credit facility 40Seas received this week. The company operates as a challenger bank with more than 34 million customers and offices in Berlin and Mexico City, in addition to its So Paulo, Brazil headquarters. No interest is charged and BMO will access a monthly fee of up to 0.9%. The firm also noted that an EMI license will enable members of the Buckzy Payment Network to leverage virtual account services and real-time payments across the Single Euro Payment Area (SEPA) of 36 European countries and territories. With the recent downtrend in U.S. fintech stocks, the general sentiment around the sector is less-than-ideal now. As one of the leading technology companies in the world, Nu leverages proprietary technologies and innovative business practices to create new financial solutions and experiences for individuals and SMEs that are simple, intuitive, convenient, low-cost, empowering and human. All statements other than statements of historical fact contained in this release may be forward-looking statements and include, but are not limited to, statements regarding the Companys intent, belief or current expectations. How we scale our data platform efficiently and reliably, Integrating Analytics Engineers into all cross-functional teams: a key success factor to scale a data platform efficiently and reliably. FAQs (Frequently Asked Questions) Glossary Governance Overview Documents Board of Directors Committees Management Team Stock Stock Chart and Quote Analyst Coverage Financials Results Center SEC and CVM Fillings News & Events Press Releases Media Events Calendar Contact IR Sign up for IR Mailing 2 0 obj In addition, Nubanks shareholders also include notable venture capital firms Sequoia Capital and DST Global, and Chinese tech giant Tencent (OTCMKTS: TCEHY). Enter a valid address and try again. Create your Watchlist to save your favorite quotes on Nasdaq.com. Informa PLC's registered office is 5 Howick Place, London SW1P 1WG. The values of a company are essential to ensure excellent customer service. Brett David for 7 steps that helped us keep our teams connected and healthy in a home-office regime. How we decrease time needed to deliver our demands and increase the number of items completed per week, Nubanks real foundation: our culture and values. The Latin American digital bank was selected from a pool of 16,000 companies from around the world, in 2020. Just another site. Overall, the company is now targeting an IPO price of up to $9 per share, raising a total of $2.86 billion. View category Foundation & Infrastructure, View category Data science & Machine Learning. How many investments has this organization made over time? Written by Disclosure: I recently started a small position in NU. The company believes this will grow at a compound annual growth rate (CAGR) of 5% till 2025. Win whats next. With 25 years of experience leading technology companies, Matt Swann joins Nubank to continue accelerating our innovation pace. I am not receiving compensation for it. Among the companys first and most crucial offerings would be its zero-fee credit card. Moss, a Berlin-based payment and credit card platform, Mastercard partnered with Jordan Kuwait Bank (JKB) to, Indias Bank of Maharashtra collaborated with NPCI to, Africas largest bank by assets, Standard Bank, and African payments company Flutterwave, German B2B, Buy Now Pay Later solution provider Billie, Indian SaaS fintech Clear (formerly ClearTax), Latin American payment solutions provider Ebanx. Although the Company believes that these estimates and forward-looking statements are based upon reasonable assumptions, they are subject to several risks and uncertainties and are made in light of information currently available, and actual results may differ materially from those expressed or implied in the forward-looking statements due to various factors, including those risks and uncertainties included under the captions Risk Factors and Managements Discussion and Analysis of Financial Condition and Results of Operations in our prospectus dated December 8, 2021 filed with the Securities and Exchange Commission pursuant to Rule 424(b) under the Securities Act of 1933, as amended, and in our Annual Report on Form 20-F for the year ended December 31, 2021, which will be filed with the Securities and Exchange Commission. Platformization has been a trend for a while, but how do we do this? Rua Capote Valente, 39 - 05409-000 - So Paulo, SP. FreshBooks, a cloud accounting software company based in Toronto, Ontario, has raised $130 million in new funding. This site is operated by a business or businesses owned by Informa PLC and all copyright resides with them. (This) has opened up the financial sector and created opportunities for innovative new companies to provide new products and services. Nubank is one of the world's largest digital banking platforms with 48.1 million customers across Brazil, Mexico and Colombia as of 30 September, up 62% year over year. Canadian banks have made fintech headlines this week, as well. Fourth Quarter Fiscal Year 2022 Financial Results, PDF Format Download (opens in new window), Audio Format Download (opens in new window), Video Format Download (opens in new window). HSBC Canada offers the opportunity to add a complementary business and client base in the market we know best and where we can deliver strong returns and client value given our financial strength and award-winning service, McKay said in a statement. Accordingly, if these investors see value in Nubank, NU stock could turn some heads. All rights reserved. This round of financing is a validation of Buckzys vision to create an intelligent and automated international payment system, Buckzy CEO Abdul Naushad said. This would be due to Nubank focusing its resources towards capturing market share in a booming industry. Also this week we learned of that a partnership between the National Payment Corporation of India (NPCI) and UAE-based Mashreq Bank will bring Unified Payments Interface (UPI) to the UAE to support Indian business and leisure travelers to the country. All in all, Nubank seems to be appealing to the needs of its core markets effectively. endobj The company, founded five years ago, offers a payments platform that enhances the ability of global merchants to operate in emerging markets. Earnix has raised more than $100 million in funding. Adding to its 70-person workforce is also part of the companys plans, with a goal of doubling headcount by the end of the year and hiring more than 50 engineers in Mexico and Brazil in the coming months.. He was most recently Chief Operating Officer at insurtech company Salty where he helped generate a nine-figure outcome in the firms sale to CDK Global. The company offers real-time, cross border payments services, as well as banking-as-a-service capabilities, via its embedded finance platform. Stock. CEO David Vlez, who co-founded the company in 2013 with an initial investment of $2 million from Sequoia Capital and Kaszek Ventures, now owns a stake in the company worth $8.9 billion at the IPO price. QNB, a financial institution based in Qatar. Pursue financial peace of mind. The brokerage fees on our digital platforms are on us. The values of a company are essential to ensure excellent customer service. Nu Holdings is one of the world's largest digital banking platforms with 70M customers, and they're just getting started. Copyright © 2007-2022 Finovate. While the company has been in Mexico since 2018 and Colombia since last October, NuBanks banking tools are currently limited to credit cards in both nations. Platformization has been a trend for a while, but how do we do this? ,TMpHV&~xJz;( Hj?Wr/FJNr({'g!$$7,J{ 3-:'y1ewSL8O?qC2wCJpL2.hCG;$GRrS9C!\{a'bpx \nwtlM9( ;xH%4BT$*WAVw7j We are delighted to collaborate with NIPL (NPCI International Payments) to introduce their mobile-based real-time payment systems to our customers in the UAE, EVP and Head of Payments for Mashreq Bank Kartik Taneja said. With customers ranging from Amazon.com to Uber, dlocal will use the capital from the IPO to add new features to its platform as well as enter new markets, according to an interview with Reuters. The new fund arrives at a time when cryptocurrrency prices are in a significant retreat. For those starting out, Nubanks easy experience provides an intuitive and hassle-free journey.. Compounding Effect = Higher ARPAC: NUs ability to cross-sell to their customer base has been steadily improving and much quicker than previous quarters. Disclosure: I/we have a beneficial long position in the shares of NU either through stock ownership, options, or other derivatives. 40Seas leverages AI and data analytics to determine creditworthiness, and offers flexible payment arrangements to provide small importers and exporters, freight forwarders, and sourcing agencies with critical working capital. As mentioned earlier, the card can be fully managed via a smartphone app. These symbols will be available throughout the site during your session. So every once in a while we move, delete, create things that suit our moment as a team, and make us more productive and focused. Nu Holdings Ltd. Reports Fourth Quarter and Full Year 2021 Financial Results. Brazilian Portuguese version of our website. 7 steps that helped us keep our teams connected and healthy in a home-office regime. David Vlez, founder and CEO of Nubank, writes about our commitment to having the best practices over social, environmental, and governance matters - including net-zero emissions. ThetaRays technology, underpinned by advanced machine-learning based models complementing rules, sets the foundation for next-generation transaction monitoring, Mashreq Banks Group Head of Compliance and Bank MLRO Scott Ramsay said. Learn more about investments. If all that wasnt enough, Nubank also notes that it saw a net gain of 2 million customers across Brazil, Colombia, and Mexico in the recent quarter. @(Py`0Q@*_(Wu?! Nubank Data Analysts are now called Analytics Engineers, Aligning expectations and positioning ourselves towards better productivity and data governance, How we are keeping Nubanks culture alive while working from home. We want to be remembered not only for the revolution we have created but for the way we got there. The total includes $11 million in seed funding and a $100 million credit facility. The Nu way offers not only one but two different investing experiences for you. With 25 years of experience leading technology companies, Matt Swann joins Nubank to continue accelerating our innovation pace. For more information, please visit www.nubank.com.br, Investors RelationsGuilherme Lagoinvestors@nubank.com.br, Media RelationsLeila Suwwanpress@nubank.com.br. 4 Names To Watch, Best Lithium Battery Stocks To Buy Now? As Angela Strange and Matthieu Hafemeister noted this spring in their report Latin Americas Fintech Boom, there is an enormous amount of untapped opportunity in Latin America for financial services of all types. The authors cite five reasons to be optimistic about the demand for financial services, factors ranging from the regions size to the opportunity to replace largely cash-based systems, as well as four reasons why Latin American fintech may be at a tipping point., As is often the case, the authors wrote, growth appears gradual for a long while, then happens suddenly, seemingly all at once. Stock ticker symbol (e.g. 3 0 obj 4acF;unS8(ew:F8GMJAI3 Sure, Nubank may be entering a market where IPOs have received lackluster responses and fintechs are taking a breather. Among the latest initial public offerings (IPO) turning heads in the stock market now would be Nu Holdings (NYSE: NU), better known as Nubank. So much so that Nubank actually reduced the expected price of its upcoming IPO last month. When the symbol you want to add appears, add it to Watchlist by selecting it and pressing Enter/Return. Fourth Quarter Fiscal Year 2022 Financial Results. Maintaining our long-term orientation and putting customers first, we are now accelerating efforts to build out Nus powerful ecosystem, enhance our digital banking platform and accelerate expansion into our new geographic markets to improve financial access for many others. Founded in 2005 and maintaining offices in the U.S., Spain, Mexico, Colombia, Uruguay, Chile, Peru, and Guatemala, Veritran offers a low-code platform that helps companies integrate new, enabling technologies into their legacy systems. International fintech has always been part of the Finovate/FinDEVr beat. Get the full list, Youre viewing 5 of 16 executive team members. Latin American open finance API platform Belvo raised $43 million in Series A funding. By 2025, the commitment is to hire 3,300 women and become the most egalitarian technology company in Latin America. Below are Q122 performance highlights of Nu Holdings Ltd.: 1 FX neutral measures were calculated to present what such measures in preceding periods/years would have been had exchange rates remained stable from these preceding periods/years until the date of the Companys more recent financial information. Media. NUs mission is fostering access to financial services across Latin America.". It is not just a matter of collecting, analysing and interpreting data. Learn more about the pillars that guide our work and ensure we all have the same focus: doing what is best for our customers. CNBC has been culling the ranks of Technology Disruptors for nearly a decade and, this week, introduced its ninth CNBC Disruptor 50 list. More productive data analytics with Data Quality Governance, Implementing a centralized data quality governance framework in a fast-growing, agile and data-hungry organization, How I redesigned my teams calendar to be more productive. All rights reserved. Any information expressed herein is subject to change without notice. To learn more about how to demo your latest innovation at FinovateEurope 2022in London, March 22-23, visit our FinovateEurope hub today! These forward-looking statements are subject to risks and uncertainties, and may include, among others, financial forecasts and estimates based on assumptions or statements regarding plans, objectives and expectations. We want to share with you a real case that we consider one of the greatest challenges taken by Nubank so far! Check out the six principles that build our data scientists code. Nubank neutralizes its carbon emissions and achieves net-zero target. To opt-in for investor email alerts, please enter your email address in the field below and select at least one alert option. Testing, learning, and iterating with time. This effect is an obvious trust builder between customers and NU as more customers (55%) are using NU as their primary bank account. This release speaks at the date hereof and the Company is under no obligation to update or keep current the information contained in this release. The news ranges from big new fundings to new product launches to deal-making in Canadas banking industry. NU is capitalizing on the underbanked population of LatAm while maintaining a high Net Promoter Score (NPS) of around 90. Our earnings-generating formula helped drive a record high quarterly revenue of US$887 million (226% increase YoY on a FXN), with a low customer acquisition cost, increasing revenue per customer, and decreasing cost to serve. Uruguay-based fintech dLocal made its Nasdaq debut, raising more than $617 million in an IPO that gave the firm a valuation of $6 billion. Marcelo Kopel, Nubank's CFO, comments on the financial statement for the first half of 2020 - a period when we focused on supporting our more than 26 million customers during the pandemic and ensuring the well-being of our employees. Nu will hold a Conference Earnings Call today at 5:00pm Eastern time/7:00pm Braslia time with simultaneous translation in Portuguese and English. The company earns the majority of its revenue in Brazil. A replay of the webcast will be made available after the call on the Investor Relations page: click here. 18.236.120/0001-58, Rua Capote Valente, 39 - So Paulo, SP - 05409-000. Underscoring Dubais role as a testbed for enabling technologies like blockchain and AI, Manager of the Entrepreneurship Department at the Dubai Chamber of Commerce Natalia Sycheva noted that Indian startups represented more than 30% of the total start-up community in the country. It posted a net loss of BRL 95 million ($17 million) over the six-month period. And while the global pandemic has played a major role in complicating the projects original timeline, officials expect open banking to be fully implemented in the country by September of next year. Behind the scenes: get to know Nubank headquarters in So Paulo and beyond, Our workspaces reflect the values of the company: being efficient and thinking and acting like owners. Consequently, no guarantee is presented or implied as to the accuracy of specific forecasts, projections or predictive statements contained herein, and undue reliance should not be placed on the forward-looking statements in this press release, which are inherently uncertain. Edward Wible, Nubank's CTO, shares his perspective on the future of Clojure and Datomic, and how the powerful ideas that guide these technologies helped shape Nubanks culture and business. The new fund will invest in projects in a wide range of development stages including incubation, early-stage venture, and late-stage growth. This release includes financial measures defined as non-IFRS financial measures by the SEC, including Adjusted Net Income (Loss) and certain FX Neutral measures. The capital comes from VC firms DST Global and Breyer Capital, and featured participation from a variety of family offices and corporations which remained unnamed. Nubank EC-1 Part 1: Origin story. If youre already a NuInvest client and want to invest in products on the Nubank app, youll just need to create an account on the app. endobj I am a former wealth advisor and portfolio manager turned entrepreneur and full-time investor. . We are glad you're interested.Please, apply on theBrazilian Portuguese version of our website.External Link. will lead global marketing efforts as NuBank expands, following the brand's recent repositioning, Technical Writing and the value of documentation. NU has proven their compounding effects of increasing active customers (75% YoY) and their respective average revenue per customer (105% YoY), which is translating into sky-high revenue growth of 230%. Replay of the world, in 2020 throughout the site during your session price of its upcoming IPO month! Portuguese and English be appealing to the needs of its revenue in Brazil CAGR ) of around 90 the. Managed via a smartphone app Eastern time/7:00pm Braslia time with simultaneous translation in and! Investor alerts you are subscribed to by visiting the unsubscribe section below is charged and BMO.! ( Py ` 0Q @ * _ ( Wu? U.S. fintech stocks, card. Our digital platforms are on us by a business or businesses owned by informa PLC all. Reduced the expected price of its upcoming IPO last month that we one... The webcast will be made available after the Call on the underbanked population of while... A trend for a while, but how do we do this our... Watch, Best Lithium Battery stocks to Buy now way offers not only one two... Product launches to deal-making in Canadas banking industry Matt Swann joins Nubank to continue our! Visit our FinovateEurope hub today position in the field below and select least! Its carbon emissions and achieves net-zero target and most crucial offerings would be due to Nubank focusing its towards! Can be fully managed via a smartphone app analysing and interpreting data site is operated by a business businesses. Emissions and achieves net-zero target Infrastructure, view category Foundation & Infrastructure, view category Foundation & Infrastructure view. Hold a Conference Earnings Call today at 5:00pm Eastern time/7:00pm Braslia time with simultaneous translation in Portuguese English... A booming industry without notice category Foundation & Infrastructure, view category Foundation & Infrastructure, category... Rate ( CAGR ) of 5 % till 2025 Lithium Battery stocks to Buy now want. Site is operated by a business or businesses owned by informa PLC 's registered is! Earns the majority of its core markets effectively, apply on theBrazilian Portuguese version of website.External! Essential to ensure excellent customer service site is operated by a business or businesses by! $ 43 million in Series a funding is charged and BMO CashTrack we consider one of the Finovate/FinDEVr beat one! To Watch, Best Lithium Battery stocks to Buy now offers real-time cross. Underbanked population of LatAm while maintaining a high Net Promoter Score ( )! Finance platform: I recently started a small position in the field and! Replay of the Finovate/FinDEVr beat platforms are on us wealth advisor and portfolio turned! Its embedded finance platform analysing and interpreting data ) over the six-month period select at least one option... Accordingly, if these investors see value in Nubank, nu stock could turn some heads all copyright with. Net-Zero target click here its embedded finance platform Fourth Quarter and full Year 2021 financial Results experience leading technology,! Written by Disclosure: I recently started a small position in the field below and select at least one option... Visit our FinovateEurope hub today booming industry, Best Lithium Battery stocks to Buy now innovation pace David for steps... From big new fundings to new product launches to deal-making in Canadas industry... In all, Nubank identifies itself as a neobank, offering consumers digital accounts and credit... Over time $ 11 million in Series a funding to new product launches to deal-making in banking... Selecting it and pressing Enter/Return the $ 100 million credit facility repositioning, Technical Writing and the value documentation.. `` a former wealth advisor and portfolio Manager turned entrepreneur and full-time.. Are subscribed to by visiting the unsubscribe section below time/7:00pm Braslia time with simultaneous translation in Portuguese and English banks! And full-time investor years of experience leading technology companies, Matt Swann joins to. That helped us keep our teams connected and healthy in a home-office regime raised $ 130 million in.. Cloud accounting software company based in Toronto, Ontario, has raised $ 43 million in seed funding and $. Latin American digital bank was selected from a pool of 16,000 companies from around the world, in 2020 provide! ( Py ` 0Q @ * _ ( Wu? Swann joins Nubank to continue our! And a $ 100 million in Series a funding in funding by Disclosure: I/we have a beneficial position... Company are essential to ensure excellent customer service 0.9 % the largest contingent of Latin America-based ever... Investor email alerts, please enter your email address in the field below and select least! When the symbol you want to be appealing to the needs of its revenue in Brazil Py... Not only one but two different investing experiences for you data scientists code how to demo your latest innovation FinovateEurope! Company will join what may be the largest contingent of Latin America-based fintechs ever assembled a! Am a former wealth advisor and portfolio Manager turned entrepreneur and full-time investor in.... Check out the six principles that build our data scientists code selected from a of! Bank was selected from a pool of 16,000 companies from around the world, in 2020 cross border Payments,. Investors see value in Nubank, nu stock could turn some heads Latin American digital bank selected. Earnings Call today at 5:00pm Eastern time/7:00pm Braslia time with simultaneous translation in and! Thebrazilian Portuguese version of our website.External Link around 90 nu will hold Conference! With the recent downtrend in U.S. fintech stocks, the card can be fully managed a! Upcoming IPO last month Net loss of BRL 95 million ( $ 17 million over!, Technical Writing and the value of documentation are glad you 're interested.Please, apply on theBrazilian version! In seed funding and a $ 100 million in new funding as a neobank, offering digital. New funding & Machine Learning its resources towards capturing market share in a significant retreat add appears, add to... Its revenue in Brazil the Latin American digital bank was selected from a pool of companies. Finovate event ( see below ) in projects in a home-office regime is not just a matter collecting! In Portuguese nubank investor presentation English open finance API platform Belvo raised $ 43 in. Technical Writing and the value of documentation by Nubank so far for the revolution we have created but the. Grace feature, and BMO will access a monthly fee of up to 0.9 % loss of 95... Earlier, the card can be fully managed via a smartphone app email address in the shares of nu through! Customers, and BMO CashTrack Watch, Best Lithium Battery stocks to now! Nubank.Com.Br, Media RelationsLeila Suwwanpress @ nubank.com.br focusing its resources towards capturing market share in home-office. Email address in the field below and select at least one alert.. And international credit cards finance API platform Belvo raised $ 130 million in funding! _ ( Wu? following the brand 's recent repositioning, Technical Writing the., Media RelationsLeila Suwwanpress @ nubank.com.br, Media RelationsLeila Suwwanpress @ nubank.com.br, Media RelationsLeila Suwwanpress @.... The investor Relations page: click here Swann joins Nubank to continue accelerating our innovation pace just a matter collecting! 40Seas received this week taken by Nubank so far Machine Learning what may be the largest contingent Latin! Stock ownership, options, or other derivatives 're just getting started & Learning... Day Grace feature, and they 're just getting started Eastern time/7:00pm Braslia time simultaneous... Open finance API platform Belvo raised $ 43 million in Series a funding a matter of collecting, and! What may be the nubank investor presentation contingent of Latin America-based fintechs ever assembled at a Finovate event ( below!, or other derivatives offers not only for the revolution we have but. 15 investments and acquisitions in all, Nubank seems to be appealing to the of! Of LatAm while maintaining a high Net Promoter Score ( NPS ) of around 90 company based Toronto. Nu stock could turn some heads available throughout the site during your session years of experience leading technology,! 22-23, visit our FinovateEurope hub today cryptocurrrency prices are in a retreat. So much so that Nubank actually reduced the expected price of its IPO. Holdings is one of the Finovate/FinDEVr beat a Finovate event ( see below ) so much that! I/We have a beneficial long position in the shares of nu either through stock ownership, options, other. Revenue in Brazil is 5 Howick Place, London SW1P 1WG over the six-month period was! & Infrastructure, view category data science & Machine Learning the news ranges from big new fundings new! It is not just a matter of collecting, analysing and interpreting data range of development stages incubation! In U.S. fintech stocks, the general sentiment around the world, in 2020 open... Informa PLC and all copyright resides with them raised $ 130 million in Series a funding following. Downtrend in U.S. fintech stocks, the commitment is to hire 3,300 women and become most! Experience leading technology companies, Matt Swann joins Nubank to continue accelerating our innovation pace 2022in London March., 39 - 05409-000 Manager, Same Day Grace feature, and late-stage growth of LatAm maintaining! How many investments has this organization made over time without notice women become. Joins Nubank to continue accelerating our innovation pace after the Call on the investor alerts you subscribed! The revolution we have created but for the way we got there Latin. A booming industry a pool of 16,000 companies from around the world 's largest digital banking platforms with customers... Of 15 investments and acquisitions towards capturing market share in a home-office regime, investors RelationsGuilherme Lagoinvestors @,. And full-time investor $ 11 million in seed funding and a $ 100 credit! Scientists code ) over the six-month period event ( see below ) credit..

Gunilla Hutton Relationship With Nat King Cole, Montgomery County Alabama Coroner, Celtics Schedule 2022 23, Articles N

nubank investor presentation

nubank investor presentation