Wise Results Presentation Deck

We made great progress in reducing our unit cost of sales. Cost of sales as a function of volume (%) 0.27% 0.01% 0.07% 0.20% FY20 0.30% 0.02% 0.06% 0.22% FY21 0.25% 0.00% 0.05% 0.19% FY22 Net credit losses on financial assets Net foreign exchange loss and other product costs Bank and partner fees 34

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