January 2026 Disclaimers "Safe Harbor" Statement Under the Private Securities Litigation Reform Act of 1995 This presentation may contain forward-looking statements within the meaning of the "safe harbor" provisions of the Private Securities Litigation Reform Act of 1995. These forward-looking statements reflect the Company's current views with respect to, among other things, the Company's strategies, goals, beliefs, expectations, estimates, intentions, capital raising efforts, financial condition and resul ...

Company Overview - FinWise is a banking and payments solutions provider to fintechs, emphasizing compliance and risk management[11] - The company has a resilient and profitable business model with compelling growth opportunities[11] - A significant portion of FinWise's workforce, 36% or 69 out of 194 FTEs, is dedicated to IT, Compliance, Risk Management, and BSA functions as of 3Q25[13] Strategic Program Lending (SPL) - Strategic Program Lending (SPL) contributed 48.1% of 3Q25 gross revenue[15] - As of September 30, 2025, Strategic Platform Loans on the balance sheet totaled $219.7 million, with 71.3% held-for-sale (HFS) and 28.7% held-for-investment (HFI)[15] - Strategic Program Fees generated $6.4 million, representing 35.7% of non-interest income in 3Q25[15] Loan Portfolio - As of 3Q25, 40% of the loan portfolio is SBA Guaranteed and Strategic Program HFS[11] - SBA Loans on the balance sheet amounted to $240.1 million as of September 30, 2025, with 55.1% guaranteed and 44.9% unguaranteed[15] - Combined SBA Guaranteed and Strategic Program Loans Held-for-Sale (HFS) increased to 39.9% of the portfolio as of 3Q25[50] Financial Performance - Total deposits reached $682.3 million as of September 30, 2025[51] - The company's efficiency ratio was 47.6% in 3Q25, or 59.7% on a core basis when adjusted for credit enhancement related accounting[79] - Tangible book value per share was $13.84 as of September 30, 2025[87]

Business Model & Strategy - FinWise operates a differentiated business model as a banking and payments solutions provider to fintechs, emphasizing compliance and risk management[9, 10] - The company's growth strategy focuses on a broader banking and payments offering, incorporating credit enhancement, payments (MoneyRails™), and BIN sponsorship to enhance revenue diversification[21, 22] - Strategic Program Lending (SPL) diversification has improved since 1Q22, highlighting a longer-term pattern in recent years[18, 20] Financial Performance & Portfolio - As of 1Q25, 44% of FinWise's loan portfolio consists of SBA Guaranteed and Strategic Program HFS loans, which carry lower credit risk[10, 43] - Strategic Platform Loans on the balance sheet amounted to $1387 million as of March 31, 2025, with 856% held for sale (HFS) and 144% held for investment (HFI)[16] - In 1Q25, gain on sale (net) and strategic program fees accounted for $51 million, representing 657% of non-interest income[16] Risk Management & Compliance - FinWise has a strong compliance and risk management culture, with 37% (72 out of 196) of its FTEs dedicated to IT, Compliance, Risk Management, and BSA functions as of 1Q25[11, 13] - The company maintains a well-reserved position with an ACL/Total Gross Loans HFI of 29% as of the end of 1Q25, reflecting a lower-risk portfolio[40] Capital & Efficiency - FinWise remains well-capitalized, significantly above the regulatory requirement of 9% under the Community Bank Leverage Ratio framework[10, 83] - The efficiency ratio for 1Q25 was 648%, compared to 610% in 1Q24 and 642% in 4Q24[50, 86]