Wise Results Presentation Deck

Higher expense growth is in part driven by lower capitalisation. Notes: ¹Administrative Expenses adjusted for D&A, SBC and exceptional costs related to listing. 2No base in FY21 and therefore no growth rate calculated. Administrative¹ and Other Operating Expenses (£m)¹ 124.2 138.9 (14.7) FY20 24% YoY 153.8 173.3 (19.5) FY21 65% YoY 253.6 4.8 253.5 (4.7) FY22 Other operating expenses Administrative expenses¹ Capitalised intangibles N/A² 46% (76)% 44

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