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 an offer to buy any securities. In addition, this d ...

Financial Performance - XP Inc's client assets, AUM, and AUA reached R$1.9 trillion, a 17% increase year-over-year[10] - Gross Revenue increased by 4% year-over-year to R$4.7 billion[12] - The company's EBT was R$1.3 billion, a 5% decrease year-over-year[12] - Net Income grew by 18% year-over-year, with a diluted EPS growth of 30% CAGR[15] - The company's ROE was 24.4%, a 223 bps increase year-over-year[14] Retail Investments - Retail Net New Money amounted to R$16 billion[26] - Retail revenue increased by 9% year-over-year to R$3.577 billion[66] - Equities and Fixed Income are the main contributors in Retail revenue[69] Wholesale - Institutional, Corporate, and Issuer Services Gross Revenue reached R$3.619 billion LTM[54] - Investment Banking DCM Volume was R$34 billion[54] Capital Management - The company's BIS Ratio is 20.1%[14, 105] - The company's VaR is R$28 million, or 13 bps of Equity[107]