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    Neha Argawal

    Vice President and Equity Research Analyst at HSBC

    Neha Argawal is a Vice President and Equity Research Analyst at HSBC, focusing on coverage within the consumer and retail sectors, where she conducts in-depth research on companies such as Tata Consumer Products, Britannia Industries, and Hindustan Unilever. Known for her detailed fundamental analysis and insightful stock recommendations, Neha has contributed to well-regarded sector reports and has helped clients achieve positive returns, with several of her stock picks outperforming market benchmarks. She began her career as an analyst at Credit Suisse in 2014 before joining HSBC in 2019, where she has taken on growing research responsibilities on Indian consumer goods firms. Neha holds Chartered Accountant credentials and is registered with the Securities and Exchange Board of India, reflecting her strong grounding in financial regulation and analysis.

    Neha Argawal's questions to XP (XP) leadership

    Neha Argawal's questions to XP (XP) leadership • Q4 2024

    Question

    Neha Argawal requested more details on the upcoming changes to XP's credit card proposition and confirmed whether the company would maintain its strategy of focusing only on its captive client base.

    Answer

    CEO Thiago Maffra confirmed XP will not target the open market and will continue focusing on its own clients. He explained that as part of a new client segmentation strategy, XP will launch new credit cards in Q2 2025 for its 'Unique' (BRL >3M AUC) and Private Banking clients. These cards will feature superior value propositions, benefits, and rewards tailored to these high-end segments, with no material impact on expenses.

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