XP Inc Results Presentation Deck

2Q22 Highlights and Main KPIs Gross Revenue R$3.6 Bn Adjusted EBITDA¹ R$1.2 Bn Highlights +13% YoY -2% YoY Gross Profit R$2.5 Bn +16% YoY Adjusted Net Income¹ R$1.0 Bn 30.5% Adjusted Net Margin +1% YoY -375 bps YoY Investment AuC R$846 Bn +4% YoY Retirement Plans AuC R$54 Bn KPIs +38% YoY Credit Portfolio² R$12.9 Bn Credit Card TPV R$5.5 Bn NPS 76 Notes: (1) See Company fillings for a reconciliation of Adjusted Net Income and Adjusted EBITDA; (2) This portfolio is net of provisions and does not include Intercompany and Credit Card related loans and receivables. XP Inc. +89% YoY +161% YoY 9

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