XP Inc Investor Presentation Deck

Our Financial Performance Powerful operating leverage 2,065 2017 Gross Revenues (R$mm) 3,216 2018 52% CAGR 5,518 2019 8,711 2020 12,799 2021 13,702 2Q22 LTM GUIDANCE MEDIUM-TERM REVENUE CAGR 35%+ Note: Adjusted Net Income and Adjusted Net Margin exclude non-recurring items and are non-GAAP metrics. Adj. Net Income¹ and Adj. Net Margin² (R$mm, %) 428 2017 22% 491 2018 17% 1,074 2019 21% 66% CAGR 2,270 2020 28% 4,003 2021 33% GUIDANCE ADJ. NET MARGIN 24% - 30% XP Inc. 4,157 2Q22 LTM 32% 22

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