XP Inc Results Presentation Deck

4Q21 Highlights and Main KPIs Gross Revenue R$3.4 Bn Adjusted EBITDA¹ R$1.4 Bn Highlights +34% YoY +56% YoY Gross Profit R$2.4 Bn +52% YoY Adjusted Net Income¹ 1.1 Bn 33.3% Adjusted Net Margin +51% YoY +322 bps YoY Investment AuC R$815 Bn Pension AuC R$48 Bn +23% YoY KPIs +51% YoY Credit Portfolio² R$10.2 Bn Notes: (1) See Company fillings for a reconciliation of Adjusted Net Income and Adjusted EBITDA; (2) This portfolio does not include Intercompany and Credit Card related loans and receivables. Credit Card TPV R$4.4 Bn NPS 76 XP Inc. +164% YoY +35% QOQ 9

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