PagSeguro Digital : PAGS DAY 2021 | A profitable and efficient growth in payments

ALEXANDRE

MAGNANI

CHIEF OPERATING OFFICER

Alexandre Magnani

Chief Operating Officer

Education

• Master's Degree: Business Administration from FGV
• Bachelor's Degree: Business Administration from FGV

Professional Background

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The challenge

How can we keep growing profitably in a more competitive market?

3

Addressable market continues to expand…

		Consistent growth in the next 2 years							Electronic payment still have space to grow when compared
				supported by economy recovery										with mature and digital economies
							Acquiring TPV1								Acquiring TPV / PCE3				Expected PCE for Brazil
																																				2021-2023
					Credit					Debit					Prepaid						Brazil			USA			UK			Australia
													CAGR 20% p.y.
													after Pandemic2	3.5									61%	62%		60%
																							57%	59%	57%	59%
																							56%
	CAGR 14% p.y.	2.9				55%							53%
	2.5													47%	50%	47%
	before Pandemic
																					45%
																								43%
							1.8		2.0										43%
																												38%
1.4		1.6																				30%	33%
1.2																						28%

2016

2017

2018

2019

2020

2021E

2022E

2023E

2016

2017

2018

2019

2020

2021E

2022E

2023E

1.	Source: Brazilian Cards Association (ABECS). Data considers Brazilian Government Financial Aid, usually knowm as "Coronavoucher";	4
2.	Source: Brazilian Cards Association (ABECS) estimates for 2022 and 2023 and internal estimates;
3.	Source: World Bank and BIS | 2016 to 2019, Brazilian Cards Association (ABECS) and IBGE 2020 and 2021.

…and we have the right strengths to win the best share of it

DISTRIBUTION CHANNELS		PAYMENT METHODS AND SOLUTIONS

Unmatched virtual and physical reach

VALUE ADDED SERVICES		COMPLETE ECOSYSTEM

Cash In	Diverse Revenue	Cash Out
Sources

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