XP Inc Results Presentation Deck

Non-GAAP Financial Information Adjusted EBITDA and Adjusted Net Income Adjusted EBITDA (in R$ mn) EBITDA (+) Share Based Compensation (+) Offering expenses Adj. EBITDA Adjusted Net Income (in R$ mn) Net Income (+) Share Based Compensation (+) Offering expenses (+/-) Taxes Adj. Net Income 3Q21 1,005 165 1,170 3Q21 936 165 (62) 1,039 3Q20 681 45 2 728 3Q20 541 45 2 (18) 570 YoY 48% 269% -100% 61% YoY 73% 269% -100% 254% 82% 2Q21 1,080 165 1,245 2Q21 931 165 (63) 1,034 QoQ -7% 0% n.a. -6% QoQ 1% 0% n.a. -1% 1% XP Inc. 20

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