Corporate Presentation

Mar-22

The road so far

R$ 951 Billion

Consolidated TPV

2016 to 2021

R$ 7.7 Billion

AuC + Deposits

Dec-21

R$ 1.9 Billion

Total Credit Portfolio

Dec-21

21.9 Million

PagBank Clients

Dec-21

7.7 Million

Active Merchants

Dec-21

12x more profits

Net Income

Non-GAAP | 2021 vs. 2016

Outstanding performance in the last 6 years

TPV

R$ Billion

NET REVENUE

NET INCOME¹

R$ Billion

R$ Billion

PagSeguroPagBank

2016

2017

2018

2019

2020

2021

2016

2017

2018

2019

2020

2021

2016

2017

2018

2019

2021

ACTIVE MERCHANTS

PAGBANK CLIENTS

CASH POSITION

# Million

# Million

R$ Billion

0.6

2016

2017

2018

2019

2020

2020

2021

2016

2021

1. Non-GAAP.

Brazilian Payments Timeline

1990

2013

2018

2019

2020

2021

• • The "Real Plan"

  supports growth and new kinds of credit cards were launched (vouchers, among others)

• • VisaNet and

  Redecard founded

• • Beginning of card issuance duality in the Brazilian market

• • PAGS founded

• • End of the exclusivity agreement between

  Visa + Cielo and Master + Rede

• • PAGS starts selling POS

• • BACEN launches the Payments Institutions regulation

• • PagSeguro's

  NYSE IPO: the largest raising capital through an IPO for a Brazilian fintech ($2.6B)

• • Launch of the

  BC # agenda, by the Central Bank, to foster competition and creating opportunities for new players like PAGS

• • Launch of PIX and initial phases of Open Banking by the Central Bank

• • Public hearing

  (89/2021) proposing interchange rates cap for prepaid cards

• • New BCB rules for Payments Institutions (based on public hearing 78/2021) related to capital requirement based on size and complexity

• • VISA, ELO and

  Mastercard announced prepaid card interchange fee reduction

PAGS at a glance

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