Slides
Page 2
This document and any accompanying materials or presentation may include forward-looking statements, which are based on current expectations and projections about future events. These statements may include, without limitation, any statements preceded by, followed by or including words such as “targetˮ, “believeˮ, “expectˮ, “aimˮ, “intendˮ, “mayˮ, “anticipateˮ, “estimateˮ, “forecast,ˮ “planˮ, “projectˮ, “willˮ, “can haveˮ, “likelyˮ, “shouldˮ, “wouldˮ, “couldˮ and any other words and terms of similar meaning or the negative thereof. These forward-looking statements are subject to risks, uncertainties and assumptions about Wise Group plc and its subsidiaries. In light of these risks, uncertainties and assumptions, the events in the forward-looking statements may not occur. Such other risks include, but are not limited to, those identified in “Item 3.D. Key Information—Risk Factorsˮ of the Companyʼs Annual Report on Form 20F for the fiscal year ended March 31, 2026 filed with the Securities and Exchange Commission (the “SECˮ), which are accessible on the SECʼs website at www.sec.gov Past performance cannot be relied upon as a guide to future performance and should not be taken as a representation that trends or activities underlying past performance will continue in the future, and the statements in this report speak only as at the date of this report. No representation or warranty is made or will be made that any forward-looking statement will come to pass and there can be no assurance that actual results will not differ materially from those expressed in the forward-looking statements. Wise expressly disclaims any obligation or undertaking to update, review or revise any forward-looking statements contained in this report and disclaims any obligation to update its view of any risks or uncertainties described herein or to publicly announce the results of any revisions to the forward-looking statements made in this report, whether as a result of new information, future developments or otherwise, except as required by law. This document and any accompanying materials have been delivered to interested parties for information only. Wise gives no undertaking to provide the recipients with access to any additional information or to update this document and any accompanying materials, or to correct any inaccuracies in it which may become apparent. To the maximum extent permitted by applicable law and regulation, Wise disclaims all representations, warranties, conditions and guarantees, whether express, implied, statutory or of other kind, nor does it accept any duty to any person, in connection with this document. Without prejudice to the generality of the foregoing, Wise does not warrant or represent that the information or opinions contained in this document are accurate or complete. To the maximum extent permitted by applicable law and regulation, Wise shall not be liable for any loss, damage or expense whatsoever, whether direct or indirect, howsoever arising, whether in contract, tort (including negligence), strict liability or otherwise, for direct, indirect, incidental, consequential, punitive or special damages arising out of or in connection with this document, including (without limitation) any course of action taken on the basis of the same. The estimates, strategies, and views expressed in this document are based upon past or current market conditions and/or data and information and are subject to change without notice. Past performance is not indicative of future results. Recipients should consult with their own legal, tax financial and other professional advisers prior to taking any action in connection with this document. Disclaimer 2
Page 3
Strong, sustainable growth Active customers 20% YoY Cross-border volume 22% YoY Customer holdings 28% YoY Card spend volume 30% YoY 3
Page 4
Strong, sustainable growth Active customers 20% YoY Cross-border volume 22% YoY Customer holdings 28% YoY Card spend volume 30% YoY 4
Page 5
Cross-border revenue driven by volume and take rate Take rate (bps) Cross-border Volume $ billion) Cross-border Revenue $ million) 5
Page 6
Customer engagement drives revenue growth Card and Other Revenue $ million) Cross-border Revenue $ million) Transaction Revenue $ million) 6
Page 7
Generating interest income on customer balances Interest Income on Customer Balances $ million) Customer Balances $ billion) 7
Page 8
Diversification of net revenue 52% non-cross) Net Revenue mix % Net Revenue $ million) 1 Net interest income calculated as interest income on customer balances minus interest expense on customer liabilities 8
Page 9
Delivering efficiencies while investing for the future 1 Until we are substantially able to pay out our target 80% of interest income above 1% yield to customers we expect to report an above mid-term target income before tax margin of 2025% 2 Income before tax margin calculated as income before tax divided by net revenue 1 Target 1520%1 income before tax margin 2 2 Margin improvement due to operational efficiency and scaling 3 Reinvestment of the incremental margin in teams, products and infrastructure 4 Investments into pricing 5 Reinvestment brings income before tax margin back towards 1520%1 Over $500 million share purchase program in FY27 9
Page 10
Continuing to target strong growth and healthy levels of profitability 1 Income before tax margin calculated as income before tax as a percentage of net revenue 2 Mid-term margin target of 1520%. Until we are substantially able to pay out our target 80% of interest income above 1% yield to customers we expect to report an above mid-term target income before tax margin of 2025% Medium term targets FY27 guidance Net revenue CAGR of with FY24 as base year Net revenue growth In the upper half of Income before tax margin1 of Income before tax margin1 around the top of target range H1 FY27 guidance Net revenue growth IBT margin 10
Page 11
Fireside chat Emmanuel Thomassin Chief Financial Officer 11