Gft Technologies Se · XETR:GFT
Gft Technologies — Investor Day (November 2025)
62 slides from Gft Technologies's investor day presentation, Nov 18, 2025
Slide 1: Capital Markets Day 2025
Capital Markets Day 2025 November 18, 2025 – Frankfurt am Main (hybrid)
Slide 2: Your GFT Team Today
Your GFT Team Today Speaker Investor Relations Team Marco Santos Dr. Jochen Ruetz Dr. Ignasi Barri Vilardell Andreas Herzog Nicole Schüttforth Global CEO CFO & deputy CEO Global Head of AI & Data Head of Investor Relations Director Investor Relations & CSR Compliance Sascha Beck Dean Clark Floris va
Slide 3: Our External Speakers
Our External Speakers Glaucio Joanico Mike Laws Alexandre Graff IT Superintendent Managing Director Anti Senior Vice President & Managing Director Financial Crime Technology Global Partners & Alliances Alexander Lehsten Eric Marcoux General Manager DKB Vice President, IT, Property Code Factory and C
Slide 4: Agenda [1/2]
CAPITAL MARKETS DAY 2025 Agenda [1/2] Andreas Herzog 2:00 - 2:05 Kick-Off (Head of Investor Relations & CSR Compliance) Marco Santos (Global CEO) 2:05 - 3:00 Welcome & 5-Year Strategy Dr. Jochen Ruetz (CFO & deputy CEO) Dr. Ignasi Barri Vilardell (Global Head of AI & DATA) 3:00 - 3:30 Agentic AI Mod
Slide 5: Agenda [2/2]
CAPITAL MARKETS DAY 2025 Agenda [2/2] The Role of AI in Anti-Financial Crime Mike Laws (Deutsche Bank) Efforts at Deutsche Bank, Floris van Heijst (SVP GFT Software Solutions) 4:25 - 5:00 FICO & GFT: Global Partnership in Alexandre Graff (FICO) Smart Finance 5:00 - 5:25 DKB & GFT: A Success Story fo
Slide 6: Welcome & 5-Year Strategy
[01] Welcome & 5-Year Strategy 2:05-3:00 p.m. CET Marco Santos (Global CEO) Capital Markets Day 2025 November 18, 2025 | 6
Slide 7: Let’s Go Beyond the Hype_
Let’s Go Beyond the Hype_ We Create Impact with AI We are the Artificial Intelligence Digital Transformation Challenger Capital Markets Day 2025 November 18, 2025 | 7
Slide 8: Pioneering the Next Frontier in AI
Pioneering the Next Frontier in AI Sharing some Learnings from Demis Hassabis CEO at Google DeepMind Capital Markets Day 2025 November 18, 2025 | 8
Slide 9: Leading Through Disruptions and Opportunities
Leading Through Disruptions and Opportunities Sharing some Learnings from Sam Altman Co-Founder and CEO at OpenAI Capital Markets Day 2025 November 18, 2025 | 9
Slide 10: Understanding the Real Transformation and Impact of AI in the IT Industry
[02.1] Understanding the Real Transformation and Impact of Artificial Intelligence in the IT Industry Capital Markets Day 2025 November 18, 2025 | 10
Slide 11: The Gutenberg Printing Revolution
ONE OF THE MOST TRANSFORMATIVE EVENTS IN HUMAN HISTORY The Gutenberg Printing Revolution Books were hand-written by scribes Mass production and communication Slow and costly process Scalable and accessible knowledge and literacy Knowledge and literacy limited and exclusive Changed how hu
Slide 12: The AI Revolution on Software Development and IT Industry
The AI Revolution on Software Development and IT Industry Software and applications are hand-made Efficiency, mass production and faster time-to-market Complex, slow and costly process Scalable and more accessible Tech Knowledge and literacy limited and exclusive Reimagine: think, learn,
Slide 13: Real Cases of AI Creating High Impact
Real Cases of AI Creating High Impact Major Financial Services Car Major Regulatory Change Manufacturing Company Multiple Core Banks in Europe Across Sectors Core Banking & Loan Modernization Bradesco Insurance Pragmatic, Simple, Development and Modernization Tangible Results Capital Markets Day 202
Slide 14: GFT 5-Year Strategy: Vision, Mission, Positioning
GFT 5-Year Strategy Our Vision Positioning To be the best responsible AI-centric digital The Artificial Intelligence Digital transformation company in the world. Transformation Challenger Challenger in the IT Industry Our Mission Challenger inside the clients To bring the best responsible AI-cen
Slide 15: GFT 5-Year Strategy: Strategic Goals & Objectives
GFT 5-Year Strategy Strategic Goals & Objectives Fast Learning, Adaptive and Innovative Organization Long-term and sustainable growth Agile Global | Local | Agentic organization capable to thrive across Major Company Technology and Market Shifts Global AI-Centric Technology In 5 years from
Slide 16: GFT 5-Year Strategy: Mid-Term Ambitions, Strategic Initiatives
GFT 5-Year Strategy Mid-Term Ambitions Strategic Initiatives Transform from Federated to Hyper Efficient Global & Local Company REVENUE e ~€1.5b Transform into an AI-Centric SWDev and Tech Services Company Design and Implement Next Gen Technology Brand and Positioning EBIT ADJ. margin e ~9.5%
Slide 17: Strategic Initiatives for Sustainable Revenue Growth
[02.2] Strategic Initiatives for Sustainable Revenue Growth Areas of Large-Scale Growth Opportunities Capital Markets Day 2025 November 18, 2025 | 17
Slide 18: Implement Global Delivery Platform
Implement Global Delivery Platform Focus on Smartshore and Startup India Canada TALENTS Americas, UK & APAC 62% UK by region Switzerland Poland Germany 09/30/2025 Continental Europe 38% France Italy USA Spain Mexico India Hong Kong Costa Rica Vietnam Panama AI TRAINED NEAR- & OFFSHORE Colombia Singa
Slide 19: High Value-Added Services, Offerings and Differentiation
High Value-Added Services, Offerings and Differentiation Next Gen Core Banking AI | Data | Intelligence AI- Centric ISVs | Hyperscalers | Products AI Modernization Capital Markets Day 2025 November 18, 2025 | 19
Slide 20: High Value-Added Services, Offerings and Differentiation
High Value-Added Services, Offerings and Differentiation Capital Markets Day 2025 November 18, 2025 | 20
Slide 21: Global Accounts, Tier1 & Tier2 Clients Expansion Program [1/3]
Global Accounts, Tier1 & Tier2 Clients Expansion Program [1/3] Global Delivery Platform Focus on Smartshore and Startup India Global Accounts, Tier1 & Tier2 Clients Expansion Program Focus Prioritization High Value-Added Services, Industrialize Offerings Offerings and Differentiation Cross-Selling C
Slide 22: Global Accounts, Tier1 & Tier2 Clients Expansion Program [2/3]
Global Accounts, Tier1 & Tier2 Clients Expansion Program [2/3] Global Delivery Platform Focus on Smartshore and Startup India Engineering Growth Global Accounts, Tier1 & Tier2 Clients Expansion Program Focus Prioritization High Value-Added Services, Industrialize Offerings Offerings and Differentiat
Slide 23: Global Accounts, Tier1 & Tier2 Clients Expansion Program [3/3]
Global Accounts, Tier1 & Tier2 Clients Expansion Program [3/3] 25% ~35% T1 Clients (4) T1 Clients (6-8-10) 30% 9M/2025 % GROUP REVENUE T2 Clients (20) ~10% 2029 % GROUP REVENUE 20% T4 Clients (X) ~35% T4 Clients (529) T2 Clients (30-40-50) ~20% T3 Clients (Y) 25% T3 Clients (39) Combination of Strat
Slide 24: High Value-Added Services: AI Modernization
High Value-Added Services, Offerings and Differentiation Next Gen Core Banking AI | Data | Intelligence AI- Centric ISVs | Hyperscalers | Products AI Modernization Capital Markets Day 2025 November 18, 2025 | 24
Slide 25: Artificial Intelligence Modernization: Opportunity
OPPORTUNITY Artificial Intelligence Modernization 62% of U.S. organizations still rely on legacy systems AI is breaking down the barriers 75% of banks globally continue to run on legacy of change in legacy systems core banking systems, which fail to deliver on transformation goals and unlocking
Slide 26: Artificial Intelligence Modernization
GFT UNIQUE SOLUTION | DIFFERENTIATION Artificial Intelligence Modernization AI Modernization Strategy AI Top-Down Approach 40% Increased efficiency and productivity Cloud Native Model AI Bottom-Up Approach 80% AI DevSecOps Faster code correction Agentic AI Legacy Transformer Capital Markets Day 2025
Slide 27: Artificial Intelligence Modernization: Major Achievements with Wynxx
GFT UNIQUE SOLUTION | DIFFERENTIATION Artificial Intelligence Modernization Major Achievements in 2025 with Wynxx Clients increased from 25 to 58 (+132%) Expansion to 8 countries 85% Time reduction to document creation with DOCUMENTER 65% Faster to fix bugs and vulnerabilities with CODE FIX 40%
Slide 28: High Value-Added Services: AI | Data | Intelligence
High Value-Added Services, Offerings and Differentiation Next Gen Core Banking AI | Data | Intelligence AI- Centric ISVs | Hyperscalers | Products AI Modernization Capital Markets Day 2025 November 18, 2025 | 28
Slide 29: AI | Data | Intelligence
GFT UNIQUE SOLUTION | DIFFERENTIATION AI | Data | Intelligence Technological Enablers Services Offerings FACTS Accelerators 224 Clients and 1,112 Projects 2,200+ AI.DA Experts 6 AI.DA Global CoEs Cases Leader - 2025 Gartner Differentiators Capital Markets Day 2025 November 18, 2025 | 29
Slide 30: Logical New Industries where GFT Capabilities Are in High Demand
[02.3] Logical New Industries where GFT Experience, Capabilities, Offerings, Differentiation and Company DNA is in High-Demand Potential Large-Scale Opportunities Capital Markets Day 2025 November 18, 2025 | 30
Slide 31: AI | Data | Intelligence: Robotics, Physical AI
GFT UNIQUE SOLUTION | DIFFERENTIATION | OPPORTUNITY AI | Data | Intelligence “With GFT, we have found a strategic partner that shares our vision of bringing cognitive robotics into real-world application. Their deep technological expertise and strong track record in AI software engineering and in co
Slide 32: AI | Data | Intelligence: Defense, Sovereign, IT Champion
GFT UNIQUE SOLUTION | DIFFERENTIATION | OPPORTUNITY AI | Data | Intelligence Since 1987, we have led digital transformation with major global financial institutions. We know how to create lasting and proven value in one of the most complex, mission-critical, high-volumetrics, security-sensitive and
Slide 33: 5-Year Strategy
[01] 5-Year Strategy 2:05-3:00 p.m. CET Dr. Jochen Ruetz (CFO & deputy CEO) Capital Markets Day 2025 November 18, 2025 | 33
Slide 34: Gravity Program – Simplifying Countries, Offices, Shared Services
GFT GRAVITY PROGRAM Gravity Program – Focus on Simplifying and Optimizing Countries, Offices, and Shared Services WORKFORCE REDUCTION 2025 UK: -50% Software Solutions: -15% 12,000+ talents Global G&A: -6% 20+ countries Capital Markets Day 2025 November 18, 2025 | 34
Slide 35: Focusing on High-Impact Locations and Optimizing Cost Structure
GFT GRAVITY PROGRAM Focusing on High-Impact Locations and Optimizing Cost Structure to Improve Profitability Gravity Initiatives FY 2025/26 Review clients with subscale revenue and/or UK: -50% workforce in 2025 margin contribution Software Solutions: -15% workforce in 2025 Review subscale countr
Slide 36: Gravity in UK: We Leverage What Works Best
GFT GRAVITY PROGRAM Gravity in UK: We Leverage What Works Best UK Transformation Approach & Initiatives Replicate the GFT US business blueprint Leadership change Efficient local team focused on sales Group Executive Board Member in charge 95% offshore delivery with 100% dedication Mid-teens
Slide 37: Solid Isolated GFT Group Performance in FY 2025e
ISOLATED GFT GROUP PERFORMANCE Solid ‘Isolated GFT Group Performance’ in FY 2025e – 11% Growth and 9% Operating Margin REVENUE EBIT ADJUSTED in €m 2025 2024 Delta in €m 2025 Margin (%) 2024 Margin (%) Guidance Guidance GFT UK 82 116 -30% GFT UK -1 -1% 10 8% Software Software 20 25 -20% -3 -15% 1 4%
Slide 38: Bolt-on Acquisitions of High Value-Added Services Companies
M&A STRATEGY STRATEGIC FOCUS CURRENT PRIORITY LIST We Focus on Bolt-on › Countries 01. North America Acquisitions of High Value- Stay within our existing markets Strategic approach Clients Added Services Companies in › Technology 02. Latin America Existing GFT Markets Unlock new ISV business with ex
Slide 39: Megawork Acquisition in Brazil
M&A STRATEGY IMPLEMENTATION: MEGAWORK ACQUISITION GFT Steps into Major SAP Software Market – Megawork Acquisition in Brazil Fuels Profitable Large-Scale Growth FY 2025e Contribution GFT’s 5-Year Strategy in Full Execution Megawork * Market entry into major global ISV REVENUE e SAP market Brazil an
Slide 40: Conclusion
Conclusion We are executing our 5-Year Strategy with mission-focus to be the Artificial Intelligence Digital Transformation Challenger We are engineering growth and profitability while focusing on bolt-on acquisitions of high value-added services companies in existing GFT markets There is a cl
Slide 41: Agentic AI Modernization with Wynxx – Present and Future
[02] Agentic AI Modernization with Wynxx – Present and Future 3:00-3:30 p.m. CET Dr. Ignasi Barri Vilardell (GFT) Dean Clark (GFT) Capital Markets Day 2025 November 18, 2025 | 41
Slide 42: Agentic AI Modernization with Wynxx - Present
Agentic AI Modernization with Wynxx - Present
Slide 43: Enterprise AI Adoption Impact
FROM PRODUCTIVITY GAINS TO ENTERPRISE INTELLIGENCE Enterprise AI Adoption Impact The impact of Enterprise AI adoption evolves with organizational maturity. Next growth GFT helps clients realize measurable value at every stage. AI-centric phase Enterprise Cultural Impact Current Client P&L Impact Foc
Slide 44: Enterprise AI Adoption Impact – IT and SDLC
FROM PRODUCTIVITY GAINS TO ENTERPRISE INTELLIGENCE Enterprise AI Adoption Impact – IT and SDLC According to Gartner, by 2028 90% Documenting of enterprise software engineers will AI in Software use AI to produce code, up from less Developing Development than 14% in early 2024. Lifecycle (SDLC) This
Slide 45: Enterprise AI in Action - Proven Results Across Tier 1 Banks
FROM PRODUCTIVITY GAINS TO ENTERPRISE INTELLIGENCE Enterprise AI in Action - Proven Results Across Tier 1 Banks Real efficiency at scale - accelerating productivity across the TIER 1 MULTINATIONAL BANK software lifecycle. CODE & DOCUMENTATION ACCELERATION Pre-AI Baseline • Time to generate technical
Slide 46: Bradesco Seguros: In Numbers
In numbers RESULTS 40% Increased efficiency and productivity WINNINGS CHALLENGE In early 2024, Bradesco Seguros launched a strategic Rate challenge to its suppliers: to increase productivity to deliver 80% Faster code more to the business areas correction Highlight of using the Code Fixer Module Cap
Slide 47: Enterprise AI Adoption Impact – Beyond IT
FROM PRODUCTIVITY GAINS TO ENTERPRISE INTELLIGENCE Enterprise AI Adoption Impact – Beyond IT From Engineering Efficiency to Enterprise Transformation Front-Office Processes Customer Service, Account Opening, After-sales support,etc. Middle-Office Processes Credit Risk Assessment, AML, Quality Manage
Slide 48: Operational AI in Action – Core Banking Maintenance
FROM PRODUCTIVITY GAINS TO ENTERPRISE INTELLIGENCE Operational AI in Action – Core Banking Maintenance TIER 2 BANK SLA CORE BANKING MAINTENANCE Pre-AI Baseline • Avg Ticket Resolution Time – • 13.18 hours (30% in month 3) 18.63 hours • 21,451 hours yearly reduction (projection) • 2,600 PDs yearly re
Slide 49: Enterprise AI in Action – Process Productivity
FROM PRODUCTIVITY GAINS TO ENTERPRISE INTELLIGENCE Enterprise AI in Action – Process Productivity TIER 1 MULTINATIONAL BANK TIER 1 MULTINATIONAL BANK Traditional Approach vs Agentic Approach* Expected Yearly Savings between 4-5 m€ New client (average 16 Existing client (average 10 hours) hours) Prep
Slide 50: Enterprise AI Adoption Impact
FROM PRODUCTIVITY GAINS TO ENTERPRISE INTELLIGENCE Large Scale Modernization Enterprise AI Adoption The real addressable market is Mainframe Modernization the vast Book of Work that Impact remains undone because of prohibitive costs or a lack of Reengineering of Machine Control Systems … specialized
Slide 51: Enterprise AI in Action – Large-Scale Modernization
Estimation of the total number of initiatives launched in this domain FROM PRODUCTIVITY GAINS TO ENTERPRISE INTELLIGENCE Enterprise AI in Action – Large-Scale Modernization TIER 1 MULTINATIONAL BANK TIER 1 MULTINATIONAL CAR TIER 1 MULTINATIONAL INDUSTRIAL COMPANY AUTOMAKER COMPANY Core Banking Moder
Slide 52: The Next Frontier - Agentic AI
FROM PRODUCTIVITY GAINS TO ENTERPRISE INTELLIGENCE The Next Frontier - Agentic AI Agentic Governance Framework Lifecycle Business Alignment Management and and ROI Continuous Management Improvement Technical and Operating Ethical and Architecture Responsible Model AI Aspects Risk, Legal, and Security
Slide 53: Agentic AI Modernization with Wynxx - Future
Agentic AI Modernization with Wynxx - Future
Slide 54: AI is Reshaping the Way We Work
AI is Reshaping the Way We Work AI and automation are fundamentally transforming how organisations operate. Companies are embedding AI-powered tools throughout their operations, representing a complete reimagining of how work gets done. Automating Repetitive Work Personalised Customer Experiences En
Slide 55: From Assistants to Agents – and the Grey Area Between
From Assistants to Agents – and the Grey Area Between The next frontier is Agentic AI; systems that plan, act, and collaborate autonomously. Unlike traditional assistants that respond to commands, agents set goals, make decisions, and adapt strategies in real-time. However, the market is saturated w
Slide 56: AI That Understands the Whole Software Development Lifecycle
AI That Understands the Whole Software Development Lifecycle Current AI coding assistants excel at generating code snippets but operate in isolation. Next-generation platforms understand the complete picture of software quality, architecture, and delivery excellence. Design & Planning Development In
Slide 57: Training AI to Think and Act Like a General Intelligence
Training AI to Think and Act Like a General Intelligence Evolution beyond simple assistants requires AI systems that reason, plan, and solve complex problems autonomously, shifting from reactive tools to proactive, intelligent partners. Central Orchestrator Intelligent Communication A sophisticated
Slide 58: Beyond LLMs: The Large Action Model Revolution
Beyond LLMs: The Large Action Model Revolution The LLM Limitation Enter the LAM Large Language Models have transformed how we approach code translation. Large Action Models represent the next evolutionary leap in AI capabilities. A They excel at pattern recognition, syntax conversion, and generating
Slide 59: Autonomous Validation: Closing the Transformation Loop
Autonomous Validation: Closing the Transformation Loop Our AI Refactor & Validation Agent creates a self-contained, continuous improvement cycle that fundamentally changes the economics of legacy modernization. By coupling LLM translation with LAM execution and validation, we've automated the most e
Slide 60: Wynxx: Evolving from Tool to Intelligent Teammate
Wynxx: Evolving from Tool to Intelligent Teammate Wynxx is a continuously evolving platform, adding new features and intelligent agents over time. Rather than delivering a static product, we're building an adaptive system that grows with your organization. Co-Creation with Clients Active Workforce M
Slide 61: Let’s Go Beyond Together_
Let’s Go Beyond Together_ Capital Markets Day 2025 November 18, 2025 | 61
Slide 62: Your IR Team
Your IR Team Andreas Herzog Head of Investor Relations & CSR Compliance T +49 711 62042-323 andreas.herzog@gft.com Maren Dallas Investor Relations Manager T +49 711 62042-350 maren.dallas@gft.com Nicole Schüttforth Director Investor Relations T +49 711 62042-387 nicole.schuettforth@gft.com IR Events