Corporate Presentation

Sep-22

PAGS

Business Overview

ABOUT US

  • 2nd largest digital bank: 25M clients
  • >R$ 1 trillion of financial transactions processed
  • Largest payments acceptance network: 7.5M active merchants
  • Unique two-sided ecosystem in Brazil: PagBank + PagSeguro

OUR MISSION

  • Democratize the acess of financial services and payments solutions in Brazil, providing a simple, safe, affordable and digital ecosystem to merchants and consumers

STRATEGIC PILLARS

  • Profitable and efficient growth in Payments
  • Revenue diversification consolidating PagBank
  • Fostering the two-sidedecosystem (Payments + Banking)
  • Ensuring 360º security
  • Focusing on human capital

1. ROE = (2Q22 Net Income x 4) / Equity.

2

HIGHLIGHTS

25M

~11%

PagBank Clients

Market Share | Payments

Jun-22

2Q22

R$ 15.5B

R$ 1.6B

Total Deposits

Net Income

Jun-22

Recurring | LTM

R$ 2.3B

R$ 4.01

Credit Portfolio

EPS

Jun-22

GAAP | LTM

R$ 600B

13.1%

PAGS TPV

ROE1

LTM

2Q22

PAGS

Corporate Governance

CORPORATE STRUCTURE

Float

T souraria

Free Float

Treasury

36.55%

62.41%

1.05%

120.5 mi

205.7 mi

3.5 mi

100%

329.6 mi

BS Holding

Financeira

Banking License

acquired in Jan-19

EXECUTIVE OFFICERS

Name

Office

Luis Frias

Principal Executive Officer

Ricardo Dutra da Silva

Co-Chief Executive Officer

Alexandre Magnani

Co-Chief Executive Officer

Artur Schunck

Chief Financial Officer

BOARD OF DIRECTORS

Name

Office

Luis Frias

Chairman

Eduardo Alcaro

Vice-Chairman

Ricardo Dutra da Silva

Director

Maria Judith de Brito

Director

Noemia Mayumo Fukuga Gushiken

Independent Director

Marcia Nogueira de Mello

Independent Director

Cleveland Prates Teixeira

Independent Director

COMMITTEES

▪

Audit

▪

ESG

▪

Corporate Governance

▪

Executive Committee

▪ Credit and Liquidity Risk

▪

Finance

▪

Data Security Governance

▪

Management Compensation

3

PAGS

One-stop-shop: Payments, VAS¹ and Financial Services

SOFTWARE

Concil Yamí

PagVendas ClubPag

MARKETPLACE

Advertising

Cashback

+80 resellers

PAYMENTS

PARTNERSHIP

Assaí

Roldão

Bilhete Único

Spotify

Cobasi

Swift

Google Play

Tik Tok

Uber

DIGITAL BANK

Bill Payments Payroll Portability

Deposits Pix

Top-ups Tax Collection

Wire Transfers

CARDS

Debit Card

Credit Card

Cash Card

Prepaid Card

CREDIT PRODUCTS

Overdraft Account

Payroll Loan

Supply Chain Finance

Working Capital Loan

FGTS

Cross-Border

Pix

Link of Payment

P2P

Online Gateway

POS

Online Checkout

PagTotem

mPOS

QR Code

INSURANCE

Home

Health Assistance

Personal Accident

INVESTMENTS

Remunerated Account

Financial Education

Home Broker

Investment Funds

PagBank CDs

Treasury Bonds

Equity and Crypto Research

Fixed Income

Multimarket

Stocks

FX Exchange

Crypto

ESG

1. Value-added Services.

4

PAGS

Key Performance Indicators

Total Payment Volume

Cash Position

PagBank + PagSeguro | R$ Billion

R$ Billion

100%

456

CAGR

232

135

38

76

14

2016

2017

2018

2019

2020

2021

+78%

327

183

6M21

6M22

84%

CAGR

8.9

7.9

7.8

6.5

0.4 0.7

2016

2017

2018

2019

2020

2021

+4%

8.3

8.6

6M21

6M22

Total Revenue and Income

Net basis | R$ Billion

56%

CAGR 10.4

6.8

5.7

4.3

2.5

1.1

2016

2017

2018

2019

2020

2021

+65%

7.3

4.4

6M21

6M22

Net Income

Recurring | R$ Million

65%

CAGR

1.470

1.546

1.379

+10%

1.069

702

775

479

128

2016

2017

2018

2019

2020

2021

6M21

6M22

5

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Disclaimer

PagSeguro Digital Ltd. published this content on 20 September 2022 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 20 September 2022 15:29:02 UTC.