XP Inc Results Presentation Deck

Key messages 1 Expenses: Leaner and sustainable cost structure, leading to a higher operational leverage in the future 2 Cross-sell: Large in-house opportunity to increase penetration of new verticals in 2023 3 4 Resilience and Adaptability: Cycles change constantly, we are building a company XP nc. 2023 Guidance: Net Income from R$3.8 to 4.4 billion and SG&A¹ from R$5.0 to 5.5 billion Note 1 - Excludes Revenue from incentives from Tesouro Direto, B3 and Others. 17

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