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 4Q21 1,241 149 1,390 4Q21 991 149 (54) 1,086 4Q20 705 180 6 891 4Q20 602 180 6 (68) 721 YoY 76% -17% -100% 56% YoY 64% -17% -100% -20% 51% 3Q21 1,005 165 1,170 3Q21 936 165 (62) 1,039 QoQ 24% -10% n.a. 19% QoQ 6% -10% n.a. -13% 5% FY21 4,190 658 4,848 FY21 3,592 658 (247) 4,003 FY20 2,616 293 8 2,918 FY20 2,081 293 8 (113) 2,270 XP Inc. YoY 60% 124% -100% 66% YoY 73% 124% -100% 119% 76% 23

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