XP Inc Results Presentation Deck

Retail Revenue Retail Revenue (in R$ mn) 2,088 1Q21 +16% 2,725 4Q21 2,425 1Q22 Highlights ▪ Stable take rate at 1.3% ¹, proving the resilience of our platform ▪ On 1Q22, Retail related revenues represented 71% of consolidated Net Income from Financial Instruments LTM Take Rate¹ (LTM Retail Revenue / Average AUC) LTM Take Rate Selic Rate (EoP) 1.3% 1.3% 1.3% ■ 4.5% 3.8% 2.3% 9.3% '11.8% 1.3% 1.3% 1.3% 1.3% 1.3% 1.3% 1.3% 2.0% 2.0% 2.8% XP Inc. 4.3% (1) LTM Take Rate (LTM Retail Revenue / Average AUC). Average AUC = (Sum of AUC from the beginning of period and each quarter-end in a given year, being 5 data points in one year)/5 6.3% 4Q19 1Q20 2020 3Q20 4020 1021 2021 3Q21 4Q21 1Q22 Highlights Ability to add new products and services in the platform such as credit cards and credit, and diversified revenue profile. 12

View entire presentation