Building the Replacement Infrastructure for the World's Money

How we invest Investment Marketing c. £37m, +33% YoY Product Development +33% headcount YoY1 Servicing +65% headcount YoY1 Functions +38% headcount YoY 1,2 Impact 1.5m new customers from marketing in FY23 ● High return investments: Payback < 12 months • 3m new customers from word of mouth in FY23 • New geographies and products launched • Increasingly competitive infrastructure • Onboarded 4.5m customers, +40% YoY • Improved service, helping reduce churn and drive virality • Enable us to scale globally • Improved risk management and controls Notes: Average growth in FY23 as compared to FY22. 2 Relates to core functions (i.e. Finance, Legal, People) and Marketing & Sales. 44

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