Foreign Currency Exposure - As of December 31, 2020, the company had foreign currency exposure with equity interests amounting to US$46.5 million in XP Holding International LLC, US$0.8 million in XP Advisors Inc., and GBP2.3 million in XP Holding UK Ltd[833]. - The company conducted a sensitivity analysis revealing potential losses of R$615 million under Scenario III for foreign currency exchange rates as of December 31, 2020[831]. Indebtedness and Interest Rates - The company has no indebtedness denominated in U.S. dollars as of December 31, 2020, following the settlement of R$778 million in U.S. dollar debt in August 2018[835]. - The company is primarily exposed to floating interest rate debt, which constituted substantially all of its total indebtedness as of December 31, 2020[837]. Risk Management Policies - The company employs a risk management policy to control market risks, including foreign exchange variation, interest rates, and share prices, to optimize returns[846]. - The company utilizes the Maps Luna program to measure and control market exposure risk, ensuring compliance with Central Bank regulations[847]. - The company has implemented a liquidity risk management policy to maintain sufficient cash and securities to meet obligations[839]. - Credit risk management includes using client investments as collateral to mitigate potential losses, ensuring high credit quality in operations[843]. - The company has established operational limits for treasury operations to manage asset risk and ensure low volatility in portfolios[848]. - Operating risk management focuses on avoiding financial losses and reputational damage through comprehensive internal controls and contingency plans[849].

1 4Q20 Earnings Presentation Important Disclosure IN REVIEWING THE INFORMATION CONTAINED IN THIS PRESENTATION, YOU ARE AGREEING TO ABIDE BY THE TERMS OF THIS DISCLAIMER. THIS INFORMATION IS BEING MADE AVAILABLE TO EACH RECIPIENT SOLELY FOR ITS INFORMATION AND IS SUBJECT TO AMENDMENT. This presentation is prepared by XP Inc. (the "Company," "we" or "our"), is solely for informational purposes. This presentation does not constitute a prospectus and does not constitute an offer to sell or the solicitation of a ...

XP Inc. (NASDAQ:XP) Q4 2020 Results Conference Call February 23, 2021 5:00 PM ET Company Participants André Martins - Investor Relations Bruno Constantino - Partner and Chief Financial Officer Thiago Maffra - Partner and Chief Technology Officer Conference Call Participants Tito Labarta - Goldman Sachs Mario Pierry - Bank of America Merrill Lynch Marcelo Telles - Crédit Suisse André Martins Okay. Let's start. Good evening, everyone, boa noite a todos. Welcome to XP, Inc.'s Earnings Conference Call for the Q ...

November 2020 3Q20 Earnings Presentation Important Disclosure IN REVIEWING THE INFORMATION CONTAINED IN THIS PRESENTATION, YOU ARE AGREEING TO ABIDE BY THE TERMS OF THIS DISCLAIMER. THIS INFORMATION IS BEING MADE AVAILABLE TO EACH RECIPIENT SOLELY FOR ITS INFORMATION AND IS SUBJECT TO AMENDMENT. This presentation is prepared by XP Inc. (the "Company," "we" or "our"), is solely for informational purposes. This presentation does not constitute a prospectus and does not constitute an offer to sell or the solic ...

XP Inc. (NASDAQ:XP) Q3 2020 Earnings Conference Call November 9, 2020 5:00 PM ET Company Participants Bruno Constantino – Chief Financial Officer Thiago Maffra – Executive Director-Technology Carlos Lazar – Head-Investor Relations Conference Call Participants Tito Labarta – Goldman Sachs Christian Bolu – Autonomous Research Marcelo Telles – Credit Suisse Mario Pierry – Bank of America Global Research Domingos Falavina – JP Morgan Bruno Constantino So let's go straight to the point here in our opening remark ...

August 2020 2Q20 Earnings Presentation Important Disclosure IN REVIEWING THE INFORMATION CONTAINED IN THIS PRESENTATION, YOU ARE AGREEING TO ABIDE BY THE TERMS OF THIS DISCLAIMER. THIS INFORMATION IS BEING MADE AVAILABLE TO EACH RECIPIENT SOLELY FOR ITS INFORMATION AND IS SUBJECT TO AMENDMENT. This presentation is prepared by XP Inc. (the "Company," "we" or "our"), is solely for informational purposes. This presentation does not constitute a prospectus and does not constitute an offer to sell or the solicit ...

XP Inc. (NASDAQ:XP) Q1 2020 Earnings Conference Call May 12, 2020 5:00 PM ET Company Participants Carlos Lazar - Head, Investor Relations Guilherme Benchimol - Founder and Chief Executive Officer Bruno Constantino - Chief Financial Officer Conference Call Participants Eduardo Rosman - BTG Domingos Falavina - JP Morgan Mariana Taddeo - UBS Felipe Salomao - Citibank Mario Pierry - Merrill Lynch Tito Labarta - Goldman Sachs Carlos Lazar Good evening, everyone and welcome to the XPÂ's Earnings Conference Call f ...

May 2020 1Q20 Earnings Presentation Important Disclosure IN REVIEWING THE INFORMATION CONTAINED IN THIS PRESENTATION, YOU ARE AGREEING TO ABIDE BY THE TERMS OF THIS DISCLAIMER. THIS INFORMATION IS BEING MADE AVAILABLE TO EACH RECIPIENT SOLELY FOR ITS INFORMATION AND IS SUBJECT TO AMENDMENT. This presentation is prepared by XP Inc. (the "Company," "we" or "our"), is solely for informational purposes. This presentation does not constitute a prospectus and does not constitute an offer to sell or the solicitati ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 20-F (Mark One) ☐ REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2019 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . OR ☐ SHELL COMPANY REPORT PURSUANT TO SECTION 13 OR 15(d) ...

March 2020 4Q19 Earnings Presentation Important Disclosure IN REVIEWING THE INFORMATION CONTAINED IN THIS PRESENTATION, YOU ARE AGREEING TO ABIDE BY THE TERMS OF THIS DISCLAIMER. THIS INFORMATION IS BEING MADE AVAILABLE TO EACH RECIPIENT SOLELY FOR ITS INFORMATION AND IS SUBJECT TO AMENDMENT. This presentation is prepared by XP Inc. (the "Company," "we" or "our"), is solely for informational purposes. This presentation does not constitute a prospectus and does not constitute an offer to sell or the solicita ...