XP Inc Results Presentation Deck

Non-GAAP Financial Information Adjusted Assets (from the factors listed below) reflects our business more realistically Simplified Balance Sheet (in R$ mn) Assets Total Securities - Fair Value through P&L Securities - Repos Securities - Fair Value through OCI Securities - Trading & Intermediation Other Financial Instruments Other Assets Liabilities + Equity Total Securities - Repos Other Finan. Liab. Pension Funds Securities - Trading & Intermediation Other Liabilities & Equity [A] 192,035 87,513 7,604 34,479 3,271 18,489 40,679 [A] 192,035 31,790 22,135 45,734 16,063 76,314 [B] Retirement Plans 45,734 45,734 [B] Retirement Plans 45,734 45,734 [C] Float 16,063 12,792 3,271 [C] Float 16,063 16,063 Adjusted Assets [A-B-C] 130,238 41,779 7,604 21,687 18,489 40,679 Adjusted Assets [A-B-C] 130,238 31,790 22,135 76,314 XP Inc. Key factors inflating our balance sheet [B] Retirement Plans ▪ AUM from XP Vida & Previdência is accounted in both assets and liabilities [C] Float ▪ Uninvested cash from clients allocated in sovereign bonds 21

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