Slide 1: Preliminary Results H1/2026
Preliminary Results H1/2026 23 July 2026
Slide 2: Disclaimer
Preliminary Results H1/2026 Disclaimer Preliminary Results H 1/ 2026 This release contains unaudited information that is subject to change and that is not intended to be complete . Non -IFRS measures (APMs) This presentation includes non -IFRS measures . These measures are alternative performance me
Slide 3: Today's presenter
Today’s presenter Oliver Behrens Dr. Benon Janos Chief Executive Officer Chief Financial Officer
Slide 4: Today's agenda
Today’s agenda 1 CEO Remarks 2 Preliminary Results H1/2026 3 Outlook 2026
Slide 5: CEO Remarks
CEO Remarks
Slide 6: Strong momentum continues in Q2 2026
Preliminary Results H1/2026 Strong momentum continues in Q2 2026 Settled Transactions increased 22% YoY in Q2 Strong operating leverage: Revenues rose 26% 2026, reflecting sustained client activity - in Q2 while operating expenses declined, despite a demanding comparison base driving Net Income grow
Slide 7: Capturing structural long-term growth opportunities
Preliminary Results H1/2026 Capturing structural long -term growth opportunities Broadening our Capturing the German Expanding client savings plan proposition pension opportunity engagement • Stocks introduced as a new • The planned “ Altersvorsorgedepot ”, • Our customers already benefit savings pl
Slide 8: Q2 2026 Performance
Q2 2026 Performance
Slide 9: Strong client engagement drives record Assets under Custody
Preliminary Results H1/2026 Strong client engagement drives record Assets under Custody Gross customer additions (k) Assets under Custody (bn EUR) Settled Transactions (m) -13% +30% +22% -27 % +15% -3% 108.3 22.7 123 21.9 95.5 94.5 20.2 91.9 103 104 100 18.0 17.7 83.5 89 Q2/2025 Q3/2025 Q4/2025 Q1/2
Slide 10: Customer Securities surpass 100 bn EUR for the first time
Preliminary Results H1/2026 Customer Securities surpass 100 bn EUR for the first time Securities under Custody (bn EUR) Cash under Custody (bn EUR) +30% +28% +15% +2% 101.8 6.4 6.5 6.2 89.3 88.1 5.6 86.3 5.1 78.4 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 20
Slide 11: Net Cash Inflows exceed 5 bn EUR in H1/2026
Preliminary Results H1/2026 Net Cash Inflows exceed 5 bn EUR in H1/2026 Net Cash Inflows (bn EUR) 2024 2025 2026 5.6 5.2 • Strong Net Cash Inflows in Q2/2026, yet below exceptionally high Q2/25 (“Liberation Day”) • In H1/2026, 100% of Net 3.2 Cash Inflows were re - 3.1 3.0 invested versus historic a
Slide 12: Strong Revenues momentum driven by both income streams
Preliminary Results H1/2026 Cal culation Strong Revenues momentum driven by both income streams under IFRS 18 Revenues (m EUR) Commission Income (m EUR) Interest Income (m EUR) +26 % +29 % +23 % -4 % -7% +7% 115 53 174 167 107 49 100 149 45 43 42 132 132 84 83 Q2/2025 Q3/2025 Q4/2025 Q1/2026 Q2/2026
Slide 13: Greater transparency through refined Commission Income disclosure under IFRS 18
Preliminary Results H1/2026 Calculation Greater transparency through refined Commission Income disclosure under IFRS 18 under IFRS 18 Commission Income (m EUR) • Under IFRS 18, Revenues disclosure itself becomes 11 5 more granular 6 9 • Commission Income is now split into two categories: 4 4 o Trans
Slide 14: Transaction-related commission income forms basis for Commissions per Transaction
Preliminary Results H1/2026 Calculation Transaction -related commission income forms basis for calculation of under IFRS 18 Commissions per Transaction Commissions per Transaction (EUR) • Going forward, Commission per Transaction will be calculated +6% based on transaction -related +1% commission in
Slide 15: Previous calculation of Commissions per Transaction based on total Commission Income
Preliminary Results H1/2026 Previous Previous calculation of Commissions per Transaction based on total calculation under IAS 1 Commission Income Commissions per Transaction (EUR) • Q1 peaks related to seasonally higher “Other Commission +4% Income” -4% 5.09 5.02 4.99 4.89 4.83 4.69 Q1/2025 Q2/2025
Slide 16: Transparent disclosure on Net Interest Income (NII)
Preliminary Results H1/2026 Calculation Transparent disclosure on Net Interest Income (NII) under IFRS 18 Gross Profit (m EUR) Net C ommission Income (m EUR) Net Inte rest Income (m EUR) +27 % +31% +21% -4 % -7% +8% 150 145 50 130 47 97 114 43 112 90 42 40 84 69 70 Q2/2025 Q3/2025 Q4/2025 Q1/2026 Q2
Slide 17: Decrease in operating expenses driven by lower marketing & personnel expenses
Preliminary Results H1/2026 Calculation Decrease in operating expenses driven by lower marketing & personnel expenses under IFRS 18 Personnel expenses Marketing and advertising expenses Other administrative expenses (m EUR) (m EUR) (m EUR) 38 21 Negative expenses for 16 31 long -term variable 14 com
Slide 18: Record quarterly Net Income exceeds 60 million Euros
Preliminary Results H1/2026 Calculation Record quarterly Net Income exceeds 60 million Euros under IFRS 18 Operating Profit ( m EUR) Net Income (m EUR) +58 % +55 % +11% +14% 85 61 76 54 58 54 40 39 40 52 Q2/2025 Q3/2025 Q4/2025 Q1/2026 Q2/2026 Q2/2025 Q3/2025 Q4/2025 Q1/2026 Q2/2026 18 Note: Operati
Slide 19: Preliminary Results H1/2026
Preliminary Results H1/2026
Slide 20: Another record half-year with Net Income reaching 115 million Euros
Preliminary Results H1/2026 Calculation Another record half -year with Net Income reaching 115 million Euros under IFRS 18 Revenues (m EUR) Net Income (m EUR) +22 % +41% +21% +46% 340 115 15 278 281 13 10 102 82 79 86 87 223 179 184 H1/2025 H2/2025 H1/2026 H1/2025 H2/2025 H1/2026 Commission Income I
Slide 21: Outlook 2026
Outlook 2026
Slide 22: flatexDEGIRO expects to achieve or exceed its 2027 financial targets in 2026
Preliminary Results H1/2026 flatexDEGIRO expects to achieve or even exceed its 2027 financial targets already in 2026, one year ahead of schedule Revenues 2026(e) +16% YoY (around 650 m EUR) Net Income 2026(e) +25% to +43% YoY (200 m to 230 m EUR) • flatexDEGIRO expects to achieve or even exceed its
Slide 23: Q&A Session
Q&A Session
Slide 24: Appendix
Appendix
Slide 25: Early adoption of IFRS 18
Early adoption of IFRS 18
Slide 26: What is IFRS 18?
Preliminary Results H1/2026 What is IFRS 18? The most significant change to financial reporting in 20+ years Structured Income Statement April 1 New mandatory categories: Operating, Investing & Financing — giving 2024 investors clear, consistent anchors for analysis IASB issued Management Performanc
Slide 27: Our Decision: Why Now? Strategic First-Mover
Preliminary Results H1/2026 Our Decision We are choosing to lead - not follow Our adoption: April 2024 Jan 2027 Jun 2027 Half Year 2026 Mandatory adoption-first IASB issues IFRS 18 Early adoption — ahead of peers Mandatory effective date financial statements under IFRS 18 Why Now? Strategic First-Mo
Slide 28: Further resources on IFRS 18 adoption available on our Investor Relations Website
Preliminary Results H1/2026 Further resources on IFRS 18 adoption available on our Investor Relations Website Now available IFRS 18 p resentation 1 Comprehensive presentation overview Video webcast 2 Webcast featuring Dr. Thomas Lindner, Head of Finance and Regulatory Reporting IFRS 18 Comparative P
Slide 29: A structured income statement in line with IFRS 18
Preliminary Results H1/2026 A structured income statement in line with IFRS 18 Consolidated Statement of Profit or Loss | IFRS 18 Presentation | FY 2025 (€ millions) FY 2025 FY 2025 € millions Deviance Notes IFRS 18 IAS 1 Revenues 559.8 559.8 0.0 Equal to Revenue (IAS1 presentation) Commission incom
Slide 30: A structured income statement in line with IFRS 18
Preliminary Results H1/2026 A structured income statement in line with IFRS 18 Consolidated Statement of Profit or Loss | IFRS 18 Presentation | FY 2025 (€ millions) FY 2025 FY 2025 € millions Deviance Notes IFRS 18 IAS 1 Personnel expenses 125.6 127.4 -1.7 Current personnel expenses 102.6 104.3 -1.
Slide 31: Financial tables
Financial tables
Slide 32: Financial overview according to IFRS 18
Preliminary Results H1/2026 New Financial overview according to IFRS 18 Q1 Q2 Q3 Q4 Q1 Q2 H1 H1 Change Presentation in accordance with IFRS 18 2025 2025 2025 2025 2026 2026 2025 2026 in % pro forma pro forma pro forma pro forma pro forma reported pro forma reported pro forma Revenues mEUR 146.3 132.
Slide 33: Financial overview according to IAS 1 (historical, to be discontinued)
Preliminary Results H1/2026 Old Financial overview according to IAS 1 (historical, to be discontinued) Presentation in accordance with IAS 1 (historical, for Q1 Q2 Q3 Q4 Q1 Q2 H1 H1 Change better comparability) 2025 2025 2025 2025 2026 2026 2025 2026 in % reported reported reported reported reported
Slide 34: Investor Relations Contact
Investor Relations Contact Achim Schreck Laura Hecker Emma Kinghorn Head of IR and Corporate Communications Executive Director Investor Relations Associate Investor Relations Mail: achim.schreck@flatexdegiro.com Mail: laura.hecker@flatexdegiro.com Mail: emma.kinghorn @flatexdegiro.com Mobile: +49 16