financial highlights

2021 Forecast

Consolidated2021 GuidanceBrazil12021 Guidance
Total credit portfolio2Growing 5.5% to 9.5%Growing 8.5% to 12.5%
Financial margin with clientsGrowing 2.5% to 6.5%Growing 3.0% to 7.0%
Financial margin with the marketRange from R$ 4.9bn to R$ 6.4bnRange from R$ 3.3bn to R$ 4.8bn
Cost of credit3Range from R$ 21.3bn to R$ 24.3bnRange from R$ 19.0bn to R$ 22.0bn
Commissions and fees and results from insurance operations4 5Growing 2.5% to 6.5%Growing 2.5% to 6.5%
Non-Interest expensesRange from -2.0% to 2.0%Range from -2.0% to 2.0%
Effective tax rateRange from 34.5% to 36.5%Range from 34.0% to 36.0%
(1) Includes units abroad ex-Latin America; (2) Includes financial guarantees provided and corporate securities; (3) Composed of result from loan losses, impairment and discounts granted; (4) commissions and fees (+) income from insurance, pension plan and premium bonds operations (-) expenses for claims (-) insurance, pension plan and premium bonds selling expenses; (5) 2021 forecast does not consider XP Inc. equity result starting in February 2021.

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