Laiqon Ag · XETR:LQAG
Laiqon — Investor Presentation (September 2026)
49 slides from Laiqon's investor presentation, September 2026
Slide 1: Company Presentation
Company Presentation September 2026 Hamburg Munich Frankfurt Berlin For professional investors only
Slide 2: Agenda
Agenda 02 04 GROWTH 28 Financials 01 03 05 LAIQON 2026 Capital Raising Overview Measures Appendix 2026 For professional investors only | C2 2
Slide 3: Wealth.Next Generation. Premium Wealth Specialist
LAIQON 2026 Overview Wealth.Next Generation. Premium Wealth Specialist with Innovative Solutions for Wealth Creation 11.60 Assets under management as of 33,000 Clients EUR bn AuM Leading Artificial Intelligence ONline 31 Aug 2026 Intelligence Quotient We are an We use AI for We have many We offer an
Slide 4: Drivers of GROWTH 28: LAIQON Build Since 2019 as the Answer to Megatrends
LAIQON 2026 Overview Drivers of GROWTH 28: LAIQON Build Since 2019 as the Answer to Identified Megatrends in Financial Investments For professional investors only | C2 4
Slide 5: Strong Growth Momentum After Full Build-Out of All Segments
LAIQON 2026 Overview Strong Growth Momentum After Full Build-Out of All Segments GROWTH 28 YTD 2026 2025 +EUR 1.6 bn 2024 +EUR 1.4 bn 2023 +EUR 0.4 bn 2022 +EUR 0.4 bn 2021 2020 +EUR 0.8 bn 2019 +EUR 0.5 bn >15.0* +EUR 0.6 bn Start 2028e 12.1 11.6 2026e 31 Aug 2026 10.0 6.5 31 Dec 2025 6.1 5.7 AuM i
Slide 6: Broad Range of Solutions Across the 3 Segments
LAIQON 2026 Overview Broad Range of Solutions for Private and Institutional Clients Across the 3 Segments Asset Management Digital Wealth Wealth Management Special funds, mandates & Wealth management Mutual funds White-label partners white-label funds cooperation Realization of individual wealth Mut
Slide 7: The LAIQON Group AI Strategy
LAIQON 2026 Overview The LAIQON Group AI strategy Pursues Holistic Goals Along the Dimensions of Value Creation and Operational Excellence Growth & revenue Efficiency & costs Competitive product offering Automation of recurring processes Unlocking / leveraging growth potential Lower error and rework
Slide 8: LAIQON AI Value Stack: Integrated AI Suite on the DAP 4.0
LAIQON 2026 Overview LAIQON AI Value Stack: Integrated AI Suite on the DAP 4.0 for Continuous Optimization of the LAIC ADVISOR® and Its Applications as Well as Internal Process Optimization Cloud-based DAP 4.0 platform Full integration of LLMs with discretionary AI + Since 2020 Since 2025 Basis for
Slide 9: The LAIQON AI Value Stack Supports Development and Operation of the LAIC ADVISOR
LAIQON 2026 Overview The LAIQON AI Value Stack Supports the Further Development and Operation of the LAIC ADVISOR® and Associated Client Applications Such as Onboarding and Portals AI Value Stack Support for LAIC ADVISOR® & applications ▪ Rapid identification and implementation of new impulses from
Slide 10: Digital Wealth — Full Market Coverage through a Platform Approach with Partners
LAIQON 2026 Overview Digital Wealth — Full Market Coverage through a Platform Approach with Partners 2 2 Retail Affluent Private Banking HNWI Institutional Clients > EUR 25k EUR 250k – 500k EUR 500k – 3m ≥ EUR 3m > EUR 25m Retail Affluent Private Banking HNWI- Institutional- (AI) Robo-Advisor AI Ass
Slide 11: LAIC as First Mover 4.0 in AI Mass Customization
LAIQON 2026 Overview LAIC as First Mover 4.0 in AI Mass Customization for Broad User Groups Current Market 1.0 2.0 3.0 4.0 LAIC — First Mover Sales Focus Digital Efficiency Platform Economy AI-Mass Customization Offline & product-driven Hybrid & standardized Digital & modular Digital & AI-individual
Slide 12: LAIC ADVISOR®: First Mover – Not a Quant – AI First
LAIQON 2026 Overview LAIC ADVISOR®: Proprietary Discretionary High-Performance AI for Tailored Solutions LAIC ADVISOR®: First Mover – Not a Quant – AI First LAIC ADVISOR® Step 1 Data: 125m data points per day in proprietary DWH 01 ▪ Macro, reference, ESG, price, fundamental and news data for equitie
Slide 13: Digital Wealth: Positioning of LAIC AI Solutions in 3 Areas
LAIQON 2026 Overview Digital Wealth: Positioning of LAIC AI Solutions in 3 Areas For professional investors only | C2 13
Slide 14: Performance Overview of the AI Strategies
LAIQON 2026 Overview Performance Overview of the AI Strategies – Outperformance vs. Peer Group and Benchmark For professional investors only | C2 14
Slide 15: Agenda
Agenda 02 04 GROWTH 28 Financials 01 03 05 LAIQON 2026 Capital Raising Overview Measures Appendix 2026 For professional investors only | C2 15
Slide 16: GROWTH 28 Growth Strategy is Based on 3 Pillars
GROWTH 28 GROWTH 28 Growth Strategy is Based on 3 Pillars 1 2 3 Full-service strategy International Acquisitions expansion ▪ 3 segments ▪ Selective use of M&A ▪ European distribution opportunities along ▪ Complete retail client LAIQON's strategic partners for funds pyramid positioning ▪ European whi
Slide 17: Our White Label Partner Approach
GROWTH 28 Our White Label Partner Approach Combines Individual AI Asset Management Solutions With our Comprehensive Digitalization Expertise in the iFVV WertAnlage Advisory journeys Partner service & AI-powered portfolio management client app ADVISOR® Technology Active support in User centricity & P
Slide 18: Solutions as a Premium Wealth Specialist for White Label Partners
GROWTH 28 Solutions as a Premium Wealth Specialist for the Clients of Our White Label Partners Key facts and potential of our White Label Partner White label solution partners ▪ Top 9 Volksbank in Germany ▪ 350,000 clients + House bank of FC Bayern Munich ▪ 24bn EUR in client assets under care WM ▪
Slide 19: WertAnlage: Growth of Connected Volksbanken and Raiffeisenbanken
GROWTH 28 WertAnlage: Growth of Connected Volksbanken and Raiffeisenbanken 08/2026 Bank development Active banks Onboarding/ contract phase Number Banks 400% 350% 27% 300% 28% 32% 250% 46% 200% 55% 150% 63% 72% 73% 100% 82% 68% 54% 50% 90% 45% 37% 0% 10% 18% Jul 26 Jul 25 Aug 25 Nov 25 Dez 24 Dez 25
Slide 20: Digital Wealth: The Growth Engine of LAIQON AG
GROWTH 28 Digital Wealth: The Growth Engine of LAIQON AG AuM Digital Wealth +653m 1,600 EUR 20,000 1,400 Growth in the Digital Wealth segment 1,200 +155m EUR 15,000 ▪ Exponential growth in clients and AuM 1,000 AuM in EUR m ▪ Growth factor rising sharply: >75% AuM Clients 800 10,000 growth from 31.1
Slide 21: Digital Wealth: Next Generation ETF – Listing on Deutsche Börse
GROWTH 28 Digital Wealth: Next Generation ETF – Listing on Deutsche Börse on 18 August 2026 For professional investors only | C2 21
Slide 22: LAIQON - EUAI ETF USPs
GROWTH 28 2 LAIQON - EUAI ETF Distribution launch: 18.08.2026 Next Generation – AI Active ETF* AI supports ETF management, emotion-free, optimal freedom LAIQON as first mover USPs Information ratio > 0.5 Target: Alpha with a tracking error of 2-5% p.a. Index as benchmark and CO2 footprint Amundi as
Slide 23: AI Management With a Higher Tracking Error Allows More Alpha
GROWTH 28 AI Management With a Higher Tracking Error Allows More Room for the Generation of Alpha Next Generation Target information Sustainability Cooperation Amundi AI Active ETF ratio > 0.5 integrated and LAIC LAIQON as first mover Alpha at TE 2–5 % p. a. GHG reduction vs. index and at least 20%
Slide 24: Campaign: Überlegenheit
Campaign: „Überlegenheit“ For professional investors only 24
Slide 25: Strengthening the Asset Management Segment Through MainFirst Fund Manager Team
GROWTH 28 3 Strengthening the Asset Management Segment Through Fund Manager Team and Assets of MainFirst Affiliated Fund Managers (Deutschland) GmbH Asset Management segment The integration in facts 1 In total EUR 2.1 bn AuM, of which EUR 1.0 bn in four mutual funds and around EUR 1.1 bn in eight eq
Slide 26: Our New Team – Pure Alpha
GROWTH 28 Our New Team – Pure Alpha Over More Than 10 years Mutual funds Special mandates Equities Fixed income Multi Asset 4% 16% 80% * 500 150 Absolute Return Global Equities Megatrends As at: 31.08.2026 Multi Asset Global Equities Unconstrained Asia 140 120 50 65 AuM (in EUR m) 67.2 327.8 827.3 1
Slide 27: LAIQON Group: Product Groups Across Three Segments and Gross Margin
GROWTH 28 LAIQON Group: 14 Product Groups Across Three Segments and Gross Margin per Segment For professional investors only | C2 27
Slide 28: Internationalization – Presence, Distribution Model and Products 26/27
GROWTH 28 Internationalization – Presence, Distribution Model and Products 26/27 For professional investors only | C2 28
Slide 29: Summary: Investments Since 2019 are Scaling LAIQON Towards GROWTH 28
Outlook GROWTH and implementation 28 of the GROWTH 28 strategy Summary: Investments Since 2019 are Scaling LAIQON Dynamically Towards GROWTH 28 4 Investment trends I ▪ Proprietary LAIC ADVISOR® and ISO 27001 certification of the ▪ Digitalization and AI individualization for WM clients LAIQON DAP 4.0
Slide 30: Agenda
Agenda 02 04 GROWTH 28 Financials 01 03 05 LAIQON 2026 Capital Raising Overview Measures Appendix 2026 For professional investors only | C2 30
Slide 31: Long-Term Group Financing to 2031 With Cash Capital Increase, Bond 26/31
Capital Raising Measures 2026 Long-Term Group Financing to 2031 With Cash Capital Increase 03/26, Bond 26/31, and Exchange/Debt/Equity Swap Successfully Implemented so Far • Extension of the bond liability maturity profile over 5 years to 2031 • Strengthening of equity through Debt/equity swap Objec
Slide 32: Long-Term Group Financing Implemented in Q2 26
Capital Raising Measures 2026 Long-Term Group Financing With New Bond 26/31 and Exchange/Debt/Equity Swap Implemented in Q2 26 As of: 30th June 2026 Restructuring of financing instruments Final volume of financing instruments CBs 2023 and Debt equity swap Exchange of CB Bond 26/31 bond 25/30 after D
Slide 33: Implementation of Long-Term Group Financing 2026 – 2031e
Capital Raising Measures 2026 Implementation of Long-Term Group Financing 2026 – 2031e New debt As of: 30/09/2026e in EUR k +1,600 (4%) Maturity 12,300 37,400 35,800 -2,700 3,100 2027 -1,900 2,700 5,000 Successful implementation of long-term group financing -4,300 0 9,700 13,000 2028 -4,500 ▪ Exchan
Slide 34: Agenda
Agenda 02 04 GROWTH 28 Financials 01 03 05 LAIQON 2026 Capital Raising Overview Measures Appendix 2026 For professional investors only | C2 34
Slide 35: Organic and Inorganic AuM Growth Until 2026e and Guidance 2028
Financials Organic and Inorganic AuM Growth of LAIQON Until 2026e and Guidance 2028 For professional investors only | C2 35
Slide 36: Growth Analysis: AuM Increased Tenfold Since 2019
Financials Growth Analysis: AuM Increased Tenfold Since 2019 – Organic and Inorganic in Balance For professional investors only | C2 36
Slide 37: Revenue and EBITDA Development 2019-2025 and Scaling From 2026
Financials Revenue and EBITDA Development 2019-2025 and Scaling From 2026 For professional investors only | C2 37
Slide 38: Significant Improvement in Key Financials in Q2 2026
Financials Significant Improvement in Key Financials in Q2 2026 For professional investors only | C2 38
Slide 39: Group AuM Grows to EUR 11.0bn
Financials Group AuM Grows to EUR 11.0bn – With a Significant Contribution From Digital Wealth for the First Time For professional investors only | C2 39
Slide 40: Digital Wealth as an Accelerating Growth Engine for AuM
Financials Digital Wealth as an Accelerating Growth Engine for AuM For professional investors only | C2 40
Slide 41: Digital Wealth is Becoming the Growth Driver Through the Flywheel Effect
Financials Digital Wealth is Becoming the Growth Driver Through the Flywheel Effect For professional investors only | C2 41
Slide 42: GROWTH 28: Achieved KPIs Bring the 2028 Guidance Within Reach
Financials GROWTH 28: Achieved KPIs Bring the 2028 Guidance Within Reach For professional investors only | C2 42
Slide 43: Guidance 2028: Organic Growth in Revenue and EBITDA
Financials Guidance 2028: Organic Growth in LAIQON Revenue and EBITDA 2026 and 2028 For professional investors only | C2 43
Slide 44: Balance Sheet IFRS Group H1 2026 and FY 2025
Financials Balance Sheet IFRS Group H1 2026 and FY 2025 For professional investors only | C2 44
Slide 45: Cash Flow IFRS Group H1 2026 and H1 2025
Financials Cash Flow IFRS Group H1 2026 and H1 2025 For professional investors only | C2 45
Slide 46: Number of shares
Financials and business development in H1 2026 Highlights Investor facts at a glance 2 Shareholder structure Share data ▪ LQAG 7% 13% DEWB Effecten GmbH ▪ WKN A12UP2, Family Office Achim Plate, CEO 10% ▪ ISIN DE000A12UP29 Total Joachim Herz Stiftung 33% shares: ▪ Stock exchanges: Frankfurt (Scale),
Slide 47: Agenda
Agenda 02 04 GROWTH 28 Financials 01 03 05 LAIQON 2026 Capital Raising Overview Measures Appendix 2026 For professional investors only | C2 47
Slide 48: Disclaimer and legal notices
Disclaimer Marketing advertisement Disclaimer and legal notices This presentation is intended merely to provide an overview of the topics covered in it and is to be understood as an information document. The information contained herein has been compiled carefully and to the best of our knowledge an
Slide 49: Thank you very much for your attention!
Thank you very much for your attention! LAIQON AG An der Alster 42∙ 20099 Hamburg Tel. +49 (0)40 325678-0 ∙ Fax -99 www.laiqon.com