XP Inc Results Presentation Deck

Non-GAAP Financial Information Floating and Adjusted Gross Financial Assets Floating Balance (in R$ mn) Floating Balance (=net uninvested clients' deposits) Assets (-) Securities trading and intermediation Liabilities (+) Securities trading and intermediation (=) Floating Balance 3Q21 (1,065) (1,065) 19,635 19,635 18,570 2Q21 (2,776) (2,776) 20,814 20,814 18,038 Adjusted Gross Financial Assets (in R$ mn) Adjusted Gross Financial Assets Assets (+) Cash (+) Securities - Fair value through profit or loss (+) Securities - Fair value through other comprehensive income (+) Securities - Evaluated at amortized cost (+) Derivative financial instruments (+) Securities purchased under agreements to resell (+) Loans and credit card operations (+) Foreign exchange portfolio Liabilities (-) Securities (-) Derivative financial instruments (-) Securities sold under repurchase agreements (-) Private Pension Liabilities (-) Deposits (-) Structured Operations (-) Financial Bills (-) Foreign exchange portfolio (-) Credit card operations (-) Floating Balance (=) Adjusted Gross Financial Assets 3Q21 120,595 2,823 53,432 28,566 858 XP Inc. 2Q21 105,113 1,237 45,360 23,701 988 15,471 7,871 10,535 15,485 8,174 7,964 1,039 (85,459) (2,082) 2,204 (73,704) (2,790) (14,506) (16,373) (24,234) (16,062) (26,711) (22,046) (6,867) (6,628) (5,699) (4,198) (2,343) (2,160) (1,150) (2,324) (1,867) (1,124) (18,570) (18,038) 16,566 13,372 18

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