Investor Presentaiton

Annual Report AR 2022 SUMMARY WHO WE ARE OUR STRENGTH AND OUR RESOURCES OUR RESULTS Pix Agenda BC# Pix is a payment scheme that instantly transfers funds between accounts at any time or day. It is possible to carry out immediate transfers and payments, schedule transactions for a future date, and withdraw cash. Pix is used in the most diverse cases: transfers between people, payment of purchases and invoices, and payment of taxes and public fees, among others. The objective of the implementation of Pix was to democratize access to electronic payment methods, make transfers and payments more convenient, contribute to the digitalization of the economy, promote financial inclusion, and leverage competitiveness and efficiency in the Brazilian Payment System, with a reduction of costs to end users. After the launch of Pix Saque (Pix Withdrawal) and Pix Troco (Pix Change) in 2021Q4, 2022 was a year of maintenance and improvements of existing features. With a little more than two years since its launch, Pix has become one of the leading payment schemes used in the country, and it is responsible for more than 30 billion transactions and for handling approximately BRL 15 trillion during the whole period. Created to fulfill a series of public objectives, Pix is recognized worldwide as a success story. In addition to leveraging financial inclusion, Pix expands the digitalization of payments and promotes competitiveness and efficiency in the market. In 2022, Pix surpassed the milestone of 100 transactions per capita. It means that, on average, a Brazilian resident makes more than 100 transactions via Pix annually. It is worth noting that some countries that have had instant payments for more than ten years have yet to reach this milestone. There are over 523 million active "Pix keys" (aliases to the payee's account information). Since its release, 130 million people and eleven million businesses have used Pix. Of these, 64 million people who had never used TED (a same- day electronic transfer available to the banked population since April 2002) are using Pix, which shows how the tool boosts financial inclusion. With the increasing use of Pix, cases of frauds involving this payment scheme also grew. Like any other payment scheme, Pix can be used for swindles. However, the system is considered safe. The BCB adopts different mechanisms to prevent fraud, such as precautionary blocking, infraction notifications, and regulations establishing transaction limits. It is also important to remember that the financial institution through which the customer carries out Pix transactions is responsible for any instability or delay in its applications and for any fraud resulting from failures in the institution's own risk management mechanisms. In addition, the BCB disseminates videos and communication pieces for citizens, with tips on how to take precautions. Watch videos #1, #17, and #28 (available only in Portuguese) of the BC Te Explica (the BCB Explains to You) series. As Pix is fast, practical and safe, Pix users became familiar with instant payments and fund transfers without bureaucracy. Transfers between people are still the largest share of transactions. Still, payments from people to companies are gradually gaining relevance, with the QR Code becoming increasingly popular. 78

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