XP Inc Results Presentation Deck

Retail Revenues Fixed Income, Float and Performance fees more than offset lower volumes in Equities & Futures Retail Revenue (in R$ mn) 2,452 2Q21 +14% 2,425 1Q22 2,786 2Q22 Highlights Strong demand for fixed income products and a larger contribution from Float more than offset weaker Equities and Futures revenues ▪ Performance fees from the funds' platform were also relevant contributors to Retail revenue on a QoQ basis LTM Take Rate¹ LTM Take Rate Selic Rate (EOP) 3.75% 2.25% 2.00% 2.00% 2.75% 4.25% 6.25% 9.25% 11.75% XP Inc. (1) LTM Take Rate (LTM Retail Revenue / Average AUC), with Average AUC = (Sum of AUC from the beginning of period and each quarter-end in a given year, being 5 data points in one year)/5 13.25% 1.30% 1.32% 1.31% 1.29% 1.30% 1.27% 1.27% 1.30% 1.26% 1.27% 1020 2020 3Q20 4Q20 1021 2021 3Q21 4Q21 1022 2022 Highlights ▪ Annualized quarterly take rate¹ increased +15bps from 1.15% on 1022 to 1.30% in 2Q22. LTM take rate² remained stable at 1.27% ▪ On 2Q22, Retail related revenues represented 78% of consolidated Net Income from Financial Instruments 11

View entire presentation