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 4021 (1,406) (1,406) 15,598 15,598 14,192 4Q20 (1,052) (1,052) 20,303 20,303 19,252 YoY 34% 34% -23% -23% -26% 3Q21 (1,065) (1,065) 19,635 19,635 18,570 QoQ 32% 32% -21% -21% -24% Adjusted Gross Financial Assets (in R$ mn) Adjusted Gross Financial Assets 4Q21 YoY Assets (+) Cash 128,226 2,486 58,180 (+) Securities - Fair value through profit or loss (+) Securities - Fair value through other comprehensive 32,332 (+) Securities - Evaluated at amortized cost 2,239 (+) Derivative financial instruments 10,944 (+) 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 8,895 4Q20 12,820 90,573 1,955 49,590 19,039 1,829 7,559 6,627 3,918 42% 55 27% 17% 70% 22% 45% 15,471 7,871 10,535 (31,921) 332 1,039 (95,847) (60,622) (85,459) (2,665) (2,237) (2,082) (11,908) (7,819) (14,506) (26,281) (31,839) (24,234) (13,388) (26,711) (3,022) (6,867) (2,178) 251% (5,699) 15690% (2,343) 506% (1,150) (1,867) (18,570) 16,566 (9,899) (7,636) (2,588) (425) (2,523) (16) (70) (51) (19,252) 10,699 (14,192) 18,188 34% 227% 505% 58% 19% 52% -17% 138% 228% 4873% -26% 3Q21 120,595 2,823 70% 53,432 28,566 858 XP Inc. QoQ 6% -12% 9% 13% 161% -29% 13% 22% -68% 12% 28% -18% 8% 20% 44% 34% 10% -63% 35% -24% 10% 21

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