Slide 1: Investor Presentation
GFT Technologies SE Investor Presentation August 2026
Slide 2: 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 Investor Presentation August 2026 I 2
Slide 3: GFT – A Global AI-Centric Digital Transformation Pioneer
GFT AT A GLANCE GFT – A Global AI-Centric Digital Transformation Pioneer GFT is a global leader in mission-critical software engineering and AI-enabled 35+ Years of Expansion transformation, with decades of delivery excellence, strong client relationships, and partnerships with hyperscalers includin
Slide 4: Scaling AI-Driven Software Engineering Growth for Financial Services and Other Highly Regulated Sectors
GFT AT A GLANCE Scaling AI-Driven Software Engineering Growth for Financial Services and Other Highly Regulated Sectors €888m Revenue Banking 71% €67m REVENUE BY SECTOR Insurance 17% +15% Adj. EBIT FY 2025 Industry & Others 12% CAGR 5Y €445m Revenue €33m Top 3 markets (FY 2025) Adj. EBIT 2020 2025 B
Slide 5: Efficient Global Delivery Platform – Focus on Smartshoring
GFT AT A GLANCE Efficient Global Delivery Platform – Focus on Smartshoring Canada TALENTS UK Americas, UK & APAC 63% Poland Germany BY REGION Switzerland 12/31/2025 Continental Europe 37% USA France Italy Spain Mexico Hong Kong India Costa Rica Vietnam Panama NEAR- & OFFSHORE Colombia Singapore MARK
Slide 6: Recognized Deep Core Banking Expertise with Measurable Client Impact
GFT AT A GLANCE Recognized Deep Core Banking Expertise with Measurable Client Impact GFT has been named a Leader in the IDC MarketScape Worldwide Cloud-Native Core Banking Implementation Services 2025 Vendor Assessment. GFT's major strengths lie in its experience and capabilities with the current ge
Slide 7: Writing Global Success Stories
GFT AT A GLANCE Writing Global Success Stories ▪ New lending platform built with ▪ Full cloud modernization ▪ Long-term strategic partnership ▪ Integration of Wynxx to streamline AWS and Thought Machine program across major tech planning, testing, documentation in transformations the SDLC ▪ Moderniz
Slide 8: We Enable our Clients to Boost their Productivity
GFT AT A GLANCE We Enable our Clients to Boost their Productivity Artificial Intelligence is an integral part of the overall GFT offering. Innovation AI & Data Services Modernization Engineering & Regulatory Agentic AI Wynxx Platform Legacy Modernization Managed Services Digital Money, Agentic/Gen A
Slide 9: 5-Year Strategy
5-Year Strategy Investor Presentation August 2026 I 9
Slide 10: GFT AI-Centric 5-Year Strategy
GFT 5-YEAR STRATEGY GFT AI-Centric 5-Year Strategy More relevant than ever and reinforced by major AI market shifts Our Vision To be the best responsible AI-Centric digital transformation company in the world. Our Mission To bring the best responsible AI-Centric digital solutions, software developme
Slide 11: GFT AI-Centric 5-Year Strategy
GFT 5-YEAR STRATEGY GFT AI-Centric 5-Year Strategy More relevant than ever and reinforced by major AI market shifts Brand Group Wide Transform into an AI-Centric Digital Transformation Company Dimensions Design and implement next-gen technology brand & positioning Clients Organization Global account
Slide 12: Our AI-Centric Ecosystem
GFT 5-YEAR STRATEGY Our AI-Centric Ecosystem At the heart of our strategy lies an AI-centric approach that drives innovation across four key pillars, each designed to deliver transformative value to enterprises. Next Generation Digital Banking AI | Data | Intelligence Holistic core modernization app
Slide 13: The Legacy Modernization Provides Huge Market Opportunities
GFT 5-YEAR STRATEGY - MARKET OPPORTUNITY The Legacy Modernization Provides Huge Market Opportunities ▪ Modernization market expected to double from ~$25B to ~$57B AI is breaking down the barriers of change in by 2030 (~18% CAGR), outpacing traditional IT services by 3–4x legacy systems and unlocking
Slide 14: Wynxx Platform Expansion - Agentic Studio and Marketplace
GFT 5-YEAR STRATEGY - GFT UNIQUE SOLUTION | DIFFERENTIATION Wynxx Platform Expansion - Agentic Studio and Marketplace Wynxx AGENTIC STUDIO Wynxx MARKETPLACE Wynxx SOFTWARE ENGINEERING Wynxx BUSINESS PROCESSES Standard Edition Story Creator Story Estimator Code Reviewer Code Documenter Agent Design &
Slide 15: Artificial Intelligence Modernization – Major Achievements with Wynxx in H1/2026
GFT 5-YEAR STRATEGY - GFT UNIQUE SOLUTION | DIFFERENTIATION Artificial Intelligence Modernization Major Achievements with Wynxx in H1/2026 Countries Clients Influenced Contract Value* Actual Influenced Revenue** 40% Increased 12 113 €144m+ efficiency and €24.4m €14.8m productivity Software Business
Slide 16: Latest GFT Group Results & Outlook 2026
Latest GFT Group Results & Outlook 2026 H1/Q2 2026 Investor Presentation August 2026 I 16
Slide 17: Solid H1/2026 Performance – Improved Profitability, Scaled Up AI and Confirmed Guidance
H1/2026 FINANCIALS Solid H1/2026 Performance – Improved Profitability, Scaled Up AI and Confirmed Guidance H1/2026 Results 2026 Guidance Highlights H1/2026 vs H1/2025 REVENUE REVENUE e ▪ Profitability improved significantly in H1/2026 €463m ~ €930m ▪ Adj. EBIT margin improved from 6.8% in H1/2025 to
Slide 18: Breakdown Global Regions: Dynamic Growth in Latin America
REVENUE BY GLOBAL REGIONS BASED ON CUSTOMERS’ LOCATION Breakdown Global Regions: Dynamic Growth in Latin America, Europe Improving With Strong Growth in Spain Anteil in YTD in ∆% % Mio. € Strong growth in Spain (+13%), offset by Continental Europe 40% 186.5 0% ↗ decline in Germany (-12%) Brazil (+38
Slide 19: Outlook 2026: Strong Improvement in EBT Margin and Growth in Revenue
OUTLOOK 2026 & CONCLUSION Outlook 2026: Strong Improvement in EBT Margin and Growth in Revenue with Continued AI-Centric Expansion FY 2025 Results FY 2026 Guidance REVENUE REVENUE e ▪ Strong improvement in EBT margin €888m ~ €930m ▪ Growth in revenue driven by AI-Native engineering services combined
Slide 20: Additional Performance Indicators
MILESTONES Additional Performance Indicators Results 2025 Milestones 2026 FREE CASHFLOW ADJ. 1 FREE CASHFLOW ADJ. 1 ▪ Expected Free Cashflow adjusted €28.0m ~ €40m reflecting slight reduction of working capital and increase of profitability Ø 2023-2025: €36.1m NET DEBT / EBITDA 2 NET DEBT / EBITDA 2
Slide 21: Mid-Term Ambitions 2029
AMBITIONS 2029 Mid-Term Ambitions 2029 Ambitions 2029 1 Continued revenue growth REVENUE e ~ €1.5b ▪ Focus on Global Accounts, Tier 1 and Tier 2 clients and cross-selling of high-value added offerings ▪ Organic growth accelerated by AI Legacy Modernization programs and AI-Native engineering EBIT ADJ
Slide 22: 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 Connect with GFT Investor Relations on LinkedIn T +49 711
Slide 23: Backup
Backup Investor Presentation August 2026 I 23
Slide 24: Strong Execution on AI-Centric 5-Year Strategy
Strong Execution on AI-Centric 5-Year Strategy Creating Impact with Key Clients, Offerings and Global Brand Positioning H1/2026 Highlights ▪ Positive commercial traction of GFT AI Modernization Offering integrated with Global Marketing Campaign, with more than 20 projects won across 9 countries, inc
Slide 25: Strong Execution on AI-Centric 5-Year Strategy
Strong Execution on AI-Centric 5-Year Strategy Creating Tangible Results with AI and Leading in an AI-Native Era H1/2026 Highlights ▪ Continue scaling up of Wynxx AI Agentic platform for Software Engineering reaching 12 countries (+1 in Q2), 113 clients (+8 in Q2) and total influenced contract value
Slide 26: Sustained Growth Momentum: Revenue +5% in Constant FX
H1/2026 FINANCIALS Sustained Growth Momentum: Revenue +5% in Constant FX in €m H1/2026 H1/2025 ∆ ▪ Solid revenue growth of 5%, in constant currencies (FX) of 5% ▪ Strong order backlog development of +18% y-o-y Revenue 462.56 441.51 5% (in constant FX: +18%) Order backlog 483.53 410.31 18% ▪ EBIT adj
Slide 27: Driving Scalable Growth Across All Sectors
H1/2026 FINANCIALS Driving Scalable Growth Across All Sectors Significant Growth Well-Balanced Client Portfolio Industry & Others (+14%) Largest Client with 9% of Total Revenue H1/2026 vs. Year-End 2025 % GROUP REVENUE % Revenue Growth rate % Revenue H1/2025 H1/2026 Banking Insurance Industry & Othe
Slide 28: Continued Improvement in Profitability: 6.8% to 7.1% Year over Year
H1/2026 FINANCIALS PER QUARTER Continued Improvement in Profitability: 6.8% to 7.1% Year over Year Revenue in €m +6% EBIT adjusted 1 in €m +10% y-o-y y-o-y ▪ Solid revenue growth y-o-y of 6% mainly driven by ▪ EBIT adjusted significantly up by 10% in Q2/2026 mainly due to improved Q2/26 vs. Brazil,
Slide 29: Revised Segment Reporting
Revised Segment Reporting GFT has revised its segment reporting structure in accordance with IFRS 8 to align with its internal management approach across global regions, as follows: ▪ Reclassification of the UK from “Americas, UK & APAC” to “Continental Europe” segment ▪ New segments effective from
Slide 30: Segment Analysis: Double-Digit Growth of Americas & APAC
H1/2026 FINANCIALS Segment Analysis: Double-Digit Growth of Americas & APAC Revenue in €m ▪ Mixed business performance in Europe (-3%) ▪ Germany still experiencing investment caution ▪ Spain meanwhile with strong growth ▪ UK declined y-o-y with improved trajectory ▪ Dynamic business development in A
Slide 31: Earnings Increased Strongly, Particularly in Europe
H1/2026 FINANCIALS Earnings Increased Strongly, Particularly in Europe EBIT adjusted 1 in €m EBT in €m Europe Europe +8% y-o-y Americas & APAC +26% y-o-y Americas & APAC Others: Others: Others: Others: €-1.66m €-6.15m €-2.27m €-7.33m 2 2 ▪ EBIT adjusted +29% in Europe y-o-y based on overall improvem
Slide 32: Income Statement (€m) – Growth Across All Earnings Metrics
H1/2026 FINANCIALS Income Statement (€m) – Growth Across All Earnings Metrics in €m H1/2026 H1/2025 ∆% ▪ Solid revenue trend of 5% supported by inorganic growth of €8.3m Revenue 462.56 441.51 5% (+2%). No material currency impact Other operating income 5.01 7.13 -30% ▪ Ratio of cost of purchased ser
Slide 33: Cash Flow Statement (€m) – Impacted by Shareholder Dividend Payment
H1/2026 FINANCIALS Cash Flow Statement (€m) – Impacted by Shareholder Dividend Payment ▪ Net cash decreased to €-75.0m (12/31/2025: €-55.2m) 12/31/2025 H1/2026 06/30/2026 ▪ Cash flow from operating activities: €-1.0m (H1/2025: €-9.2m) reflecting ▪ Higher net income to €17.1m (H1/2025: €13.5m) ▪ Nega
Slide 34: Balance Sheet (€m) – Strengthened Capital Structure
H1/2026 FINANCIALS Balance Sheet (€m) – Strengthened Capital Structure ▪ Total assets decreased by 2% to ▪ Equity up 5% to €276.8m (12/31/2025: €627.5m, primarily driven by the €263.0m) shareholder dividend payment ▪ Net income of €17.1m partly offset by €12.8m ▪ Non-current assets with €335.7m at d
Slide 35: Utilization Significantly Improved
H1/2026 FINANCIALS Utilization Significantly Improved Employees (FTE) Utilization Attrition 1 ▪ Workforce stable compared to ▪ Utilization rate increased to 92.8% ▪ Attrition continued its downward year-end 2025 (vs. 06/30/2025: +3%) ▪ Improved by 0.6 pp q-o-q mainly trend, decreasing by 0.6 pp q-o-
Slide 36: Calculation of EBIT adjusted
H1/2026 FINANCIALS Calculation of EBIT adjusted in €k H1/2026 H1/2025 Revenue 462,555 441,507 EBIT adjusted 32,645 30,141 M&A effects -3,219 -1,924 Capacity adjustments -3,456 -7,020 Share-price related effects from measurement of management remuneration -169 -488 Other extraordinary items - - EBIT
Slide 37: GFT Share
GFT Share ▪ 7/7 analysts with BUY recommendation ▪ Average target price €30, upside potential: >25% Free float 61.3% August 2026 Ulrich Dietz 26.3% ▪ Stable shareholder structure SHAREHOLDER STRUCTURE Maria Dietz 9.5% ▪ Attractive dividend policy Treasury Shares 2.9% DIVIDEND PER SHARE IN € CENT GFT
Slide 38: Our Commitment To Responsible AI
Our Commitment To ResponsibleAI Our Commitment Ethics of Artificial Intelligence To Responsible AI GFT among first to sign EU AI PACT At GFT “Responsible AI” is an integral part of our AI based business operations. We do not consider legal and ethical standards in AI as barriers but as requirements
Slide 39: Recognition for Sustainability
Recognition for Sustainability Measurable Recognitions ESG Performance & Commitments CDP B B Our Goals 2019 signed UN Global Compact ISS ESG (Prime Status) C+ C+ Sustainability by Design MSCI BB A 2030 emissions reduction targets approved by the We drive new solutions and services to support sustain
Slide 40: 35+ Years of Strategic Expansion
35+ Years of Strategic Expansion ▪ 1987 founded by GLOBALIZATION Ulrich Dietz ▪ 1997 Switzerland Italy Canada, Costa Rica Hong Kong Vietnam Chile ▪ 2001 Spain and UK and Poland Singapore Colombia India ▪ 2005 Brazil Panama ▪ 2008 USA 2017 INDUSTRY 2013 INSURANCE 2002 BANKING TECHNOLOGY 1987 2010 11
Slide 41: GFT AI-Centric Journey Started in 2023
GFT AI-Centric Journey Started in 2023 Expansion of Wynxx Agentic AI Platform Jan 2026 Wynxx Strong Global Acceleration Bradesco Insurance Market Announcement Public Reference GFT AI-Centric 5Y Strategy Jul 2025 GenAI and GFT AI Impact Kick-off Strategic Oct 2025 product experimentation Initiative t
Slide 42: 10-Year Development
10-Year Development Revenue – 10Y CAGR: +9% Adjusted EBIT – 10Y CAGR: +5% 888 871 789 716 558 78 78 429 440 423 419 413 70 67 374 57 40 41 33 34 33 27 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Investor Presentation August 2026 I 42