PagSeguro Digital : PAGS DAY 2021 | The future of Payments and Financial Services

LUIS

FRIAS

FOUNDER AND CHAIRMAN

Luis Frias

Founder and Chairman

Education

• Bachelor's Degree: Economics from USP

Professional Background

2

The road so far

R$ 660 billion	12.2 million
Acquiring TPV	PagBank Active Clients
2015 to 2021e	Sep-21

R$ 6.2 billion	7.7 million
AuC + Deposits	Active Merchants
Sep-21	Sep-21

R$ 1.6 billion	12x more profits
Total Credit Portfolio	Net Income
Sep-21	Non-GAAP | LTM vs. 2016

3

A whole new world ahead of us…

Number of Internet Users¹

# million of users

854

560

303

149 171

Brazil

Indonesia

USA

India

China

1. Source: Mary Meeker | "Internet Trends 2019", Jun-2019;
2. Source: Global Web Index (Q2 & Q3 2018);
3. Source: Brazilian Telecom companies (https://www.teleco.com.br/4g_cobertura.asp);
4. Source: BID and GTD.GOV (https://www.mobiletime.com.br/noticias/23/03/2021/penetracao-da-internet-movel-no-brasil-e-de-95-revela-bid/).

#5	number of individuals
using internet¹

#2	daily time spent
	using internet²
99%	Brazilian population have
	access to 4G coverage³
95%	Brazilian population have
access to internet via cell
phone4

4

…creates a unique opportunity…

Brazilian Total Credit Portfolio¹	Incumbent Legacies
2021

1st

2nd

71%	concentrated in
	5 largest banks

preserving the status quo and their existing profits

IT platforms (built 20 to 30 years ago)

not integrated

5

1. Source: Brazilian Central Bank and companies' public information.