XP Inc Results Presentation Deck

Retail Revenue and Take Rate Resilient monetization and product diversification Retail Revenue (in R$ mn) 1,475 2020 +66% 2,452 2Q21 Highlights ▪ Resilient revenue generation Retail despite steady volumes in equities and futures. Key growth drivers were Financial Products and Fixed Income. ▪ On 2Q21, Retail related revenues represented 82% of consolidated Net Income from Financial Instruments. LTM Take Rate (LTM Retail Revenue / Average AUC) Zero brokerage Clear XP Inc. Banking License Pandemic Outbreak 1.5% 1.4% 1.4% 1.3% 1.3% 1.3% 1.3% 1.3% 1.3% 1.3% 1.3% 1.3% Note: 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 New Online Pricing XP and Rico 3Q18 4Q18 1019 2019 3Q19 4Q19 1020 2020 3Q20 4Q20 1021 2021 ■ Highlights Ability to add new products and services in the platform - such as credit cards and credit, and diversified revenue profile. AUC -LTM Take Rate 11

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