XP(XP) - 2023 Q1 - Quarterly Report

Exhibit 99.3 XP Inc. Consolidated financial statements at December 31, 2022 and independent auditor's report Independent auditor's report To the Board of Directors and Shareholders XP Inc. Opinion We have audited the accompanying consolidated financial statements of XP Inc. (the "Company") and its subsidiaries, which comprise the consolidated balance sheets as at December 31, 2022 and the consolidated statements of income and of comprehensive income, of changes in equity and of cash flows for the year then ...