XP Inc Results Presentation Deck

1 I I I KPIs Investments Total AuC R$789 Billion Active Clients 3.3 Million Adjusted Net Inflows R$47 Billion +40% YoY +25% YoY +22% YoY Banking Credit Portfolio¹ R$8.6 Billion Credit Card TPV R$3.3 Billion NPL Ratio 0% +122% YTD +55% QOQ NPS³ Sep-21: 77 Financials Gross Revenue R$3.4 Billion Adjusted EBITDA² R$1.2 Billion Adjusted Net Income² R$1.0 Billion XP Inc. +50% YoY +61% YoY +82% YoY (1) This portfolio does not include Intercompany and Credit Card related loans and receivables (2) See appendix for a reconciliation of Adjusted Net Income and Adjusted EBITDA (3) NPS, is an independent widely known survey methodology that measures the willingness of customers to recommend a Company's products and services. The NPS calculation as of a given date reflects the average of the answers in the previous six months 9

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