Wise Results Presentation Deck

Growing Wise involves reinvestment for the long-term. Notes: ¹Administrative Expenses adjusted for depreciation and amortisation (D&A), share-based compensation (SBC), capitalisation and exceptional costs related to listing. 2Other admin expenses, Consultancy & outsourced services adjusted for exceptional costs related to listing. ³Employee benefit expenses adjusted for SBC. Administrative Expenses¹ and Other Operating Expenses (£m) 138.9 12.1 20.4 14.1 13.6 78.7 FY20 25% YoY 173.3 4.8 23.3 19.9 21.7 103.5 FY21 49% YoY 258.3 4.8 20.4 37.4 25.0 28.0 142.7 FY22 Other operating expenses Other admin expenses² Consultancy & outsourced services² Technology & development Marketing² Employee benefit expenses³ YoY 100% 325% 61% 26% 29% 38% 41

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