XP Inc Results Presentation Deck

Net Income and EPS Net Income (in R$ mn) Basic EPS (R$) Net Margin 3,592 2021 6.42 29.7% -0.3% 3,580 2022 6.44 26.8% Highlights ■ Basic EPS grew marginally YOY, while Net Income remained stable. 991 4Q21 1.77 30.4% -21.0% 783 4Q22 1.43 24.6% XP Inc. Highlights ■ Basic EPS fell 19% YOY, while Net Income fell 21% YoY, to R$783 million. 16

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