PagSeguro Digital : PAGS Corporate Presentation | Dez-22

Corporate Presentation

Dec-22

PAGS

Business Overview

ABOUT US

• 2nd largest digital bank in Brazil: 26M clients
• >R$ 1 trillion of financial transactions processed
• Largest payments acceptance network: 7.3M active merchants
• Unique two-sided ecosystem in Brazil: PagBank + PagSeguro

OUR MISSION

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

CORPORATE STRATEGY

1. Profitable and efficient growth in Payments
2. Revenue diversification consolidating PagBank
3. Fostering the two-sidedecosystem (Payments + Banking)
4. Ensuring 360º security
5. Focusing on human capital

1. ROE = (3Q22 Net Income x 4) / Equity.

2

HIGHLIGHTS

26 million	~11%
PagBank Clients	Market Share | Payments
Sep-22	3Q22
R$ 19.4 billion	R$ 1.6 billion
Total Deposits	Net Income
Sep-22	Recurring | LTM
R$ 2.7 billion	R$ 4.21
Credit Portfolio	EPS
Sep-22	GAAP | LTM
R$ 669 billion	13.2%
Total Payment Volume	ROE1
PAGS | LTM	3Q22

PAGS

Corporate Governance

CORPORATE STRUCTURE¹

		Float	T souraria
		Free Float	Treasury
	36.55%	62.41%
		1.04%
	120.5 mi	205.7 mi		3.4 mi
		100%
		329.6 mi

BS Holding

Financeira

Banking License

acquired in Jan-19

EXECUTIVE OFFICERS

Name	Office
Luis Frias	Principal Executive Officer
Alexandre Magnani	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

1. Sep-22.

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 Early Prepayment

Cross-Border	Pix
Payment Link	P2P
Online Gateway	POS
Online Checkout	PagTotem
mPOS	QR Code

INSURANCE

Home

Health Assistance

Personal Accident

Pix

INVESTMENTS

Remunerated Account

Financial Education

Home Broker

+150 Investment Funds

PagBank CDs

Treasury Bonds

Equity and Crypto Research

Fixed Income

Multimarket

Stocks

FX Exchange

Crypto

ESG

1. Value-added Services.

4

PAGS

PagBank is the 2nd largest neobank in Brazil

Bank Users	NeoBank Users	Digital Wallet Users
TOP 3 Institutions | # Million	TOP 3 Institutions | # Million	TOP 3 Institutions | # Million

			2nd
148.3
101.8	95.5
		64.8
		25.9	42.2	39.4
		21.2	15.3
Source: Brazilian Central Bank in Sep-2022(https://www.bcb.gov.br/ranking/index.asp?rel=outbound&frame=1).	5