Martin Adams
Head of Investor Relations

Hello from Wise, and welcome to our FY '26 results call, our first time presenting financial results since the completion of our dual listed. I'm Martin Adams, Head of Owner Relations. Joining us today are our Co-Founder and CEO, Kristo Kaarmann; and our CFO, Emmanuel Thomassin. We'll start with opening comments from the team, and then we'll be happy to answer your questions. If you like to ask a question, then please raise your hand in the Zoom webinar.

Before we begin, let me quickly cover the safe harbor. During this call, we'll be making certain forward-looking statements that involve risks, uncertainties and other factors that could cause actual outcomes or results to differ materially from those indicated in these statements. These factors are detailed in our results materials and our SEC filings. All forward-looking statements are based on current assumptions, estimates and beliefs, and we undertake no obligation to update any forward-looking statements, except as required by law.

Thank you. And now I'll turn it over to Kristo.

Kristo Kaarmann
Co-Founder & CEO

Thanks, Martin, and hi, everyone. Hi, everyone. Thanks for joining us. I'm going to start with financial and customer highlights from the year, and then I'll hand over to Emmanuel who will go into the detail of the numbers.