Pix Evolution and Implementation

SUMMARY PRESENTATION IDEALIZATION EVOLUTION NUMBERS FUTURE 4% 8% 2022 (Chart 3.3.4), given that, since the launch of the ecosystem, Pix users expanded in the range up to 19 years old and discreetly in the range between 50 and 59 years old. Data shows that the use of Pix has grown within the younger population, although still with a modest degree of use (3.5% of the total), as well as within the older public. Chart 3.3.4 - Number of transactions, by payer's age group Chart 3.3.5 - Pix's usage percentage, by age group Jan/22 to Dec/22 93% 91% 92% 87% 87% 85% 84% 85% 81% 79% 69% 64% 55% 46% 42% 19% 4% 9% 20% 12% 11% 21% Highlights: Did you know? Transfers and payments made through Pix allow a short message to be sent from payers to payees as a briefing note. A survey carried out about the most used words demonstrates the association of the transactions with payments of obligations (bills, bank slips, rent, payment installments, overall payments, etc.), certain types of goods (cakes, cars, clothing, gifts, perfume, TVs, etc.) and services (haircuts, pedicure, snacks, lunch, dentists, cleaning, shipping, etc.) Top 100 words when describing a Pix (in Portuguese) 36% 32% 31% 31% 3,5% 0,4% nov jan mar may jul sep nov 2020 2021 jan mar 2022 may jul sep nov ■up to 19 y.o. 20 to 29 y.o. Source: BCB ■30 to 39 y.o. ■40 to 49 y.o. ■50 to 59 y.o. ■over 60 y.o. Regarding the level of adoption by age group, data between January and December 2022 showed that the one with the highest adoption is between 20 and 29 years old, with a significant 93% of that population having registered at least one alias and 87% having made or received at least one Pix transfer (Chart 3.3.5). In addition, it should be noted that more than 80% of the population aged between 20 and 59 had already made or received at least one Pix, which highlights the significant use of Pix among the adult population. There is also a significant adoption within the older age group, over 60 years old, with almost half of that population having already made or received at least one Pix transfer, even with the occasional technological barriers usually more present in the more mature population. up to 19 y.o. 20 to 29 y.o. 30 to 39 y.o. 40 to 49 y.o. 50 to 59 y.o. over 60 y.o. Pix alias holders Received at least one Pix ■Sent at least one Pix Source: BCB Pix has also become popular with Brazilians of all income segments 26. Considering individuals with a banking relationship, when considering people with an income of up to 1 minimum wage (s.m.), more than 60% of the population has already sent or received at least one Pix transfer and 70% own a Pix alias, which shows how important Pix has become as a means of transferring funds for the lower-income population. Among the highest. income segments, Pix has already been used by more than 87% of users and 89% have registered Pix aliases (Chart 3.3.6). Chart 3.3.6 - Pix usage, by income bracket In terms of Minimum Wage - MW 70% 63% 60% 84% 79% 76% 85% 82% 80% 89% 89% 88% 89% 88% 87% boleto vale roupa presente internet pedido eu carrotydinheiro conta cartãodia bruno caixa rafael ana casa aluguel mãe meu pago jogo maria antonio valor felipe queijo obrigada luiz mês luz almoço paga obra PIX salário r$ josé limpeza jogo pedro Joi carlos gasolina restante lanchegabriel faxina okpagarpizza parcelapa festa mensalidade lucas devolução mercado celular reembolso 2022 empréstimo cabelo moto harifa tepagamento unha frete perfume amor compra ajuda referentemaistransferência francisco contas pensão água bolo amoum compras 3.3.2 Legal entities In addition to individuals, merchants, companies, foundations, organizations and other legal entities have also quickly adopted Pix as a means of making and receiving payments. By December 2022, 11.9 million legal entities had already made or received at least one Pix transfer (Chart 3.3.7), which is equivalent to approximately 67% of firms with a banking relationship. Up to 1 MW Between 1 and 2 Between 2 and 5 MW MW Between 5 and 10 Over 10 MW MW Pix alias holders Received at least one Pix ■Sent at least one Pix Source: BCB 26 Customer income declared by financial institutions in the Credit Information System (SCR). 24

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