CORPORATE PRESENTATION - FLATEXDEGIRO AG | AUGUST 2021-1

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FLATEXDEGIRO AG | AUGUST 2021

CORPORATE
PRESENTATION
CORPORATE PRESENTATION - FLATEXDEGIRO AG | AUGUST 2021-1
0

At a glance
CORPORATE PRESENTATION - FLATEXDEGIRO AG | AUGUST 2021-1
flatexDEGIRO   CORPORATE PRESENTATION AUGUST

               Investment highlights

               1                                                              4
                        First, largest and fastest growing pan-European           Fully fledged online bank (no brick and mortar
                        discount broker, well-positioned to consolidate a         branches) with full German banking license & EU
                        highly fragmented market                                  passport, a scalable proprietary core banking
                                                                                  system and clear cost leadership

               2                                                              5
                        Benefiting from near-term market volatility as well       Homegrown, scalable and recently modernized IT
                        as long-term secular trends that are increasing the       infrastructure with more than EUR 30 million
                        addressable market                                        invested over last three years

               3                                                              6
                        Best-in-class product portfolio and highly                Entrepreneurial, top interdisciplinary management
                        competitive pricing drive impressive customer             team that is significantly invested in the business
                        growth and leading positions in several European
                        countries

                                                                                                                                        1
CORPORATE PRESENTATION - FLATEXDEGIRO AG | AUGUST 2021-1
flatexDEGIRO   CORPORATE PRESENTATION AUGUST

               flatexDEGIRO at a glance
               Leading European online broker serving highly active private investors and traders in 18 countries. Operating under German banking license with EU passport
               enhances customer monetization and provides ancillary services to core online brokerage business

                                                   Key Operating Metrics 2020                                                         Revenue Model and Contribution
                       Number of              Number of exchanges               Executed                    Return on
                       Customers               and OTC-partners                  trades                   Tangible Equity

                         >1.25m                        >60                        >75m                        >65%

                       Credit Book            Average Interest Rate              Balance                     Markets
                     (collateralized)             (Loan Book)                  Sheet Equity

                       ~EUR 1.1bn                   >3% p.a.                   ~EUR 450m                   18 countries

                     Executed Trade                 Securities                  Customer                    Employees                            Online brokerage
                        Volume                    under Custody               Cash Deposits
                                                                                                                                                 Credit and treasury

                                                                                                                                                 IT services
                      >EUR 275bn                   ~EUR 30bn                    ~EUR 2bn                     ~1,000

                                                                                                                                                                             2
CORPORATE PRESENTATION - FLATEXDEGIRO AG | AUGUST 2021-1
flatexDEGIRO   CORPORATE PRESENTATION AUGUST

               Strong sustainable growth of customers and transactions..

                       Number of brokerage                    Average transactions per                  Number of transactions
                        customers (million)                        customer/year                              (million)
                                                                                                                                            75
                                                                                                  73
                                                       1.25

                                                               62
                                                                      58

                                                                             52

                                                0.80                                46

                                                                                           37
                                         0.60
                                                                                                                              30     31
                                  0.46                                                                                 26

                                                                                                                20
                           0.32
                                                                                                         16
                    0.24

                    2015   2016   2017   2018   2019   2020   2015   2016   2017   2018   2019   2020   2015   2016   2017   2018   2019   2020

               Note: all numbers are pro-forma

                                                                                                                                                  3
CORPORATE PRESENTATION - FLATEXDEGIRO AG | AUGUST 2021-1
flatexDEGIRO   CORPORATE PRESENTATION AUGUST

               ..results in exceptionally strong financials..

                                     Revenues              Adjusted EBITDA          Operating Cashflow
                                   (EUR million)             (EUR million)            (EUR million)

                                    CAGR +45%                    CAGR +63%                 CAGR +169%

                                                   261                       114                        141

                                        132
                             125

                                                           43
                                                                     38                        46

                                                                                     19

                            2018        2019       2020   2018      2019     2020   2018      2019      2020

                                                                                                               4
CORPORATE PRESENTATION - FLATEXDEGIRO AG | AUGUST 2021-1
flatexDEGIRO   CORPORATE PRESENTATION AUGUST

               ..which further accelerated in H1 2021

                    Number of Brokerage                         Number of Transactions                  Revenues (EUR million) &
                     Customers (million)                              (million)                           Adj. EBITDA margin

                                +74%                                            +41%                                     +127%

                                       +41%                                           75.0
                                            1.75                                                                               261.5

                                                                                                                                        226.1 **
                                                                             54.0              53.0
                                     1.25
                              1.11
                      1.01                                                                                             164.8
                                                                    37.6

                                                                                                                                                H1/21
                                                                                                               99.8                             47.6%
                                                                                                                               FY/20
                                                                                                       H1/20
                                                                                                                               43.6%
                                                                                                       45.4%

                       Jun     Sep   Dec     Jun                    H1/20*   9M/20*   FY/20*   H1/21           H1/20   9M/20    FY/20   H1/21
                      2020*   2020   2020   2021

               * pro forma
               ** only including approx. 10% of Mifid II conform inducements
                                                                                                                                                        5
CORPORATE PRESENTATION - FLATEXDEGIRO AG | AUGUST 2021-1
Business model

                 6
CORPORATE PRESENTATION - FLATEXDEGIRO AG | AUGUST 2021-1
flatexDEGIRO   CORPORATE PRESENTATION AUGUST

               Fastest growing online brokerage with excellent risk-return profile

                                                               •   Fastest growing online brokerage business in Europe with over 1.25m
                                                                   retail clients doing 75m transactions in 2020
                                                               •   Most trading-active client pool in the brokerage market (2-3 times the
                  Market Leader with High                          average of direct peers*)
                  Value Clients                                •   Dedicated brokerage offering with focused marketing strategy
                                                                   minimizes operating expenses (cost per client acquisition less than EUR
                                                                   50 vs. EUR 300-500 CPA at competitors)

                                                               •   Only major bank-independent broker with German banking license and European
                                                                   passport
                  Fully Independent Platform                   •   Full value chain under one roof, thus highly scalable platform with significant
                  and Banking License                              operational leverage
                                                               •   Homegrown core banking system with outstanding expertise in transaction banking

                                                               •   Brokerage agency only with no “black swan risks” (WTI, SFR unpeg) due to no
                  Excellent Risk Profile                           market making, no trading book and no trading liquidity risk
                                                               •   Positively geared to volatility with natural profit hedge to downturns

               * Source: Company, competitor and market data
                                                                                                                                                     7
CORPORATE PRESENTATION - FLATEXDEGIRO AG | AUGUST 2021-1
flatexDEGIRO   CORPORATE PRESENTATION AUGUST

               Our competitive edge: the triple “P”

                                               •   Top notch product offering including equities, bonds, ETPs, ETFs and
                                                   mutual funds
                  Product                      •   Market leading ETP offering of Goldman Sachs, Morgan Stanley,
                                                   Société Générale, UBS, BNP Paribas, HSBC, Vontobel and other products

                                               •   Trading platform only – no research, recommendation or intelligence – avoiding
                                                   regulatory administration and costs
                                               •   Operating one of the most secure and stable IT platforms with uptime of > 99.9% in
                  Platform                         2020
                                               •   Economies of scale: each additional trade reduces cost per trade settlement –
                                                   internal cost per trade down > 40% from EUR 1.44 (2019) to ~EUR 0.80 (2020)

                                               •   Unlimited trading possibilities with attractive pricing model and price leadership
                                                   in most markets – regardless of type of asset (stocks, bonds, ETPs, ETFs, etc.) and
                  Pricing                          transaction amount
                                               •   Competitive technology edge due to self-developed, highly scalable security
                                                   execution/settlement infrastructure ensures sustainable cost leadership

                                                                                                                                         8
flatexDEGIRO   CORPORATE PRESENTATION AUGUST

               Lead in Offering: ‘next 3.0’ - from pull to push

                                               Sneak preview

                                                                  Convenience

                                                                     Value

                                                                   Ubiquity

                                                                                9
flatexDEGIRO   CORPORATE PRESENTATION AUGUST

               High level of recurring revenues

                                                          •   High level of recurring revenues generated by loyal and sticky customer base
                  Maturity profile of our                 •   Exceptionally strong customer growth particularly in 2020 and first half of 2021
                  trading customers                           has driven up relative share of trading educated new customers

                                               4%
                                                                                                   27%                        Trades by
                                                                                                                              customer onboarding

                                                                       46%                                                    Actual year (Y0)
                                                                                   2020
                                                    29%

                                          2014*                                                                               Y-1 to Y-2
                                    67%
                                                                                                                              > Y-2
                                                                                                28%

               * excluding DEGIRO
                                                                                                                                                    10
flatexDEGIRO   CORPORATE PRESENTATION AUGUST

               Winning the “right” customers

                                                                    •   > 50% of customers in the most sustainable and attractive age bucket of 25-44
                                                                        years
                  flatex grows in customers in                      •   Age structure very favourable compared to German average (where less than 35%
                  their best investment age                             are in that most attractive age bucket)
                                                                    •   Despite growth no change in customer structure from 2019 (outer circle) to 2020

                                                                                                                                    flatex customer
                                                                                                                                    structure vs
                                                                                                                                    German average

                                                                                            26%                  18-24 years         -5%

                                 German
                                            17%                              flatex                              25-34 years                         10%
                                 average*                                   Germany
                                  2020                                       2020                                35-44 years                         10%
                                            17%
                                                                                                                 45-54 years         -5%

                                                                                                                 55-64 years            -2%
                                                                                    27%
                                                                                                                 65+ years          -6%

               * Based on representative study done by „Aktion pro Aktie“ in August 2020
               Note: outer circle 2019, inner circle 2020                                                                                                  11
flatexDEGIRO   CORPORATE PRESENTATION AUGUST

               Vast majority trades frequently but not heavily

                                                       •   > 90% of customers with max 6 trades per month

                  Composition of trades                •   High share of frequent trades (stock and ETF saving schemes)

                                                       •   Buy/Sell ratio of ~ 1.5

                                               > 90%
                                                                                                   up to 3 trades/month

                                                                                                   3-6 trades/month
                                                           2020
                                                                                                   6-10 trades/month

                                                                                                   more than 10 trades/month

                                                                                                                               12
flatexDEGIRO   CORPORATE PRESENTATION AUGUST

               High share of classic assets with high profitability

                                                     •   flatexDEGIRO’s trading mix has shifted towards more profitable & stable products
                                                         (cash equities) and away from highly levered OTC products (CFDs and FX)
                  Composition of trades
                                                     •   Significant absolute increase of highly profitable ETP business based on strong
                                                         partnership models

                                                                     10%

                                                             8%
                                                                                                                  Shares & Bonds
                                               29%
                            37%                                                                                   ETPs
                                    2014*                14%         2020                                         ETFs & Funds

                                         33%
                                                                                                                  Commodities / FX / CFDs
                          2%                                                         68%

               * excluding DEGIRO
                                                                                                                                            13
flatexDEGIRO   CORPORATE PRESENTATION AUGUST

               90x lifetime return on CAC investment..

               Average lifetime customer value (gross revenues) in relation to acquisition costs, EUR
                •   Low customer acquisition costs       •    High loyalty and stickiness    •   Superb scalability of busines
                    driven by secret sauce online             result in sustainably low          model with strong operating
                    marketing and brand size                  historic churn rates of < 5%       leverage of 85+%
                    benefits (PR & word of mouth)

                                                                                     ~215x

                                                                                                                                        ~ 7,500

                                                                              ~90x

                                       Payback period:
                                                                                                   ~ 3,000
                                         ~ 2 months

                                                                ~ 300
                         ~ 35

                      Customer                               Annual revenue                  Discounted Customer                 Customer lifetime value
                    acquisition cost                           per client                     lifetime value @9%                  undiscounted (CLTV)
                        (CAC)                                                                        (DCLTV)

                                                                                                                                                           14
flatexDEGIRO   CORPORATE PRESENTATION AUGUST

               ..with outstanding and increasing ROIs.
                                                                                         Cohort 2018   Cohort 2019   Cohort 2020   Cohort H1/2021
               CAC
               New customers (gross)                               in k                          162           213           561              531

               Marketing expenses                                  in EUR m                     10.9          16.0          28.0              17.9

               Customer acquisition costs                          in EUR per customer            67           75            50                34

               Trades
               Trades in H1 2021                                   in m                          4.3           5.7          18.5             13.8*

               Average trades per customer                         (basic H1 2021)               26             27           33                26

               Annualised average trades per customer              (basic H1 2021)               53            53            66                52

               Commission income
               Commission income in H1 2021                        in EUR m                     15.6          20.7          56.4            32.9*

               Average commission income per customer              in EUR                         97           97            101               62

               Annualised average commission income per customer   in EUR                        194           194           201            124**

               ROI
               Return on Investment                                p.a.                       288%          259%          402%             368%

               Break-even                                          in months                     4.2           4.6           3.0              3.3

               * FY extrapollation
               ** Due to substantial growth in markets with market leading fees and                                                            15
                  limited zero-fee offers for new customers in Germany
flatexDEGIRO   CORPORATE PRESENTATION AUGUST

               Collateralized credit products provide profitable revenue
               contribution at minimized risk profile

                                                   ~€3bn of customer cash deposits @ zero cost of funding*
                                                    Generated >€55m of annualised revenues in H1 2021

                                                  Credit                                                                   Treasury & ECB deposits

                      B2C brokerage credit book                 Non-brokerage credit book
                A           (margin loans)            B              (niche portfolio)          C                 Treasury               D            ECB Deposits

                 Fully collateralized i.a. with        Fully collateralized with credit                                                  Pass-through to clients due to
                                                                                                Fund investments, Simple products
                 customers' securities                 default insurances                                                                current negative ECB rates

                       Scalable with B2C growth            Opportunistic and strategic niches       Short-duration (
Growth drivers

                 17
flatexDEGIRO   CORPORATE PRESENTATION AUGUST

               flatexDEGIRO – size, speed and dedication

                •   Realization of our European
                    growth strategy

                •   Largest pan-European retail
                    online broker in 18 countries

                    Cost and innovation

                                                    1
                •
                    leadership with complete

                                                    #
                                                        75m trades
                    value creation in-house
                                                        in 2020
                •   Improved and more
                    extensive range of products
                    and venues for both brands

                •   Faster, cheaper and with
                    lower operating risk than
                    competitors

                                                                     18
flatexDEGIRO   CORPORATE PRESENTATION AUGUST

               Massive customer potential in Continental Europe..
                                                    Underdeveloped G7                     Developed brokerage markets

               Addressable
                                                          285m                                       111m
               population

               Digitalized                                 89%                                       97%

               Online banked                               55%                                       86%

               Online brokerage                       8% (23m people)                          35% (40m people)

                                                               Massive structural gap between developed
                                                             (35%) and “underdeveloped G7” markets (8%)
                                                                     in online brokered population.

               Source: company estimate, statista

                                                                                                                        19
flatexDEGIRO   CORPORATE PRESENTATION AUGUST

               ..driven by strong secular trends..

                                                               "
                A new generation with no negative bias:            „What is the DotCom bubble?“

                                    Increasing digitization:
                                                               !   „I can invest and manage my wealth on my mobile phone.“

                                                               #
                          Negative interest environment:           „Saving accounts don‘t generate capital gains.“

                                                               ⛵
                       Tax-incentivized saving schemes:            „Will the existing penison schemes survive the next 30 years?“

                                Listed household brands:           “I can invest easily in companies that I like and use.“

                                                                                                                                    20
flatexDEGIRO      CORPORATE PRESENTATION AUGUST

                  ..allows for two-folded growth..

                                                                                 285m people                 Addressable population

                                                                                                             Assuming penetration levels of
                                                                         100m customers market               developed markets (35%)

                                                                  Existing                             Future new
                                                        online brokerage customers             online brokerage customers

                         flatexDEGIRO > 5%                                                                          >55 years
flatexDEGIRO   CORPORATE PRESENTATION AUGUST

               ..supported by unfair advantage due to low
               costs and high scalability of our setup..                                        Netherlands:
               Comparing a local stock transaction of €1,000 / CHF1,000                         DEGIRO €2.30 | Binck €8.00
               without special conditions or campaign.                                          Customer advantage:
                                                                                                63%

                                                                                                   Switzerland:
                                    France:
                                                                                                   DEGIRO CHF 5.50 | Swissquote CHF 20.00
                                    DEGIRO € 0.40 | Boursorama € 6.00
                                                                                                   Customer advantage:
                                    Customer advantage:
                                                                                                   73%
                                    93%

                                                                                                                    Italy:
                    Portugal:
                                                                                                                    DEGIRO € 1.00 | Fineco € 19.00
                    DEGIRO € 1.00 | Banco Invest € 6.75
                                                                                                                    Customer advantage:
                    Customer advantage:
                                                                                                                    95%
                    85%

                                                                          Spain:
                                                                          DEGIRO € 2.50 | BBVA € 12.80
                                                                          Customer advantage:
                                                                          80%                                                                   22
flatexDEGIRO   CORPORATE PRESENTATION AUGUST

               .. while growing an exceptionally high-value customer base..

                                                                                 Size of bubble indicating number of trades executed in 2020

                            Average trades per customer in 2020
                                                                  90

                                                                  80

                                                                  70

                                                                  60

                                                                  50
                                                                                                                                                flatexDEGIRO
                                                                                              1
                                                                                                                                Nordnet
                                                                  40
                                                                                  Comdirect              Bourse
                                                                                                         direct
                                                                  30

                                                                                                                          Avanza
                                                                  20   Fineco

                                                                  10            Swissquote          Hargreaves Lansdown

                                                                   0
                           -5%                                             5%                 15%            25%          35%             45%      55%         65%

                                                                                                        Customer growth in 2020

                                     1 Comdirect: Trading activity based on 9M/2020 figures
                                                                                                                                                                     23
flatexDEGIRO   CORPORATE PRESENTATION AUGUST

               ..at outstanding pace.
               Company                  Geographical       Net new                 %Growth 2020 Customers 2020                 Net new Custo-   %Growth      Customers
                                              focus Customers 2020                                                               mers H1 2021    H1 2021      June 2021

               flatexDEGIRO                     Europe                 +450k                  56%                   1.25m             +506k        41%           1.75m

               Nordnet                          Nordics                 +308k                   34%                 1.22m              +254k        19%           1.48m

               Avanza                           Nordics                 +304k                   31%                 1.28m              +238k        21%           1.52m

               comdirect                       Germany                  +230k                   15%                 1.80m                   -            -      [1.80m]

               Hargreaves
                                                      UK                +220k                    17%                1.50m                   -            -      [1.50m]
               Lansdown

               ING DiBa                        Germany                  +210k                   15%                 1.64m                   -            -      [1.64m]

               consorsbank                     Germany                  +160k                    9%                  1.33m                  -            -      [1.33m]

               AJ Bell                                UK                 +62k                   27%                 0.30m               +56k        18%          0.37m

               Swissquote                   Swirzerland                   +51k                  14%                 0.41m                   -            -      [0.41m]

               Bourse direct                     France                  +45k                   27%                 0.21m                +21k       10%          0.23m

               Fineco                               Italy                 +12k                    1%                 1.35m              +34k         3%          1.40m

               Peer average                                                                     17%                                                 14%

               Source: company data for publicly listed companies, press releases and news articles for non-listed companies

                                                                                                                                                                          24
Next chapter of growth

                         25
flatexDEGIRO   CORPORATE PRESENTATION AUGUST

               ~ 4 x customer base … 3 x trading volume

                                   CAGR +30%                        CAGR +20%

                                                7-8m
                                                                                              250-350m*

                                                          90-110m
               2.0-2.2m

               2021(e)                         2026(e)    2021(e)                               2026(e)

                                                                     * in a year with low market volatility

                                                                                                              26
flatexDEGIRO   CORPORATE PRESENTATION AUGUST

               Why we believe in upcoming market growth

               Global                                                                                                   %
                                                                                                                           Switzerland
               - flatex/DEGIRO 3.0                                                                                      On-site custody accounts
               - Support of secular trends by                                                                           will accelerate growth
                 increasing marketing in the industry              !
                                                                      France                                            (estimated Q1 2022)
                                                                   PEA accounts will
                                                                   accelerate growth
                                                                   (estimated Q1 2022)
                                                                                                                                        $
                                                                                                                                           Italy
                                                                                                                                        Starting marketing
                                                                                                                                        penetration
                                    "                                                                                                   (estimated
                                       Portugal                                                                                         Q4 2021 / Q1 2022)
                                    Tax service for clients will
                                    accelerate growth
                                    (estimated Q1 2022)

                                                                                         #
                                                                                            Spain
                                                                                         Tax service for clients will
                                                                                         accelerate growth
                                                                                         (estimated Q1 2022)

                                                                                                                                                       27
flatexDEGIRO   CORPORATE PRESENTATION AUGUST

               Revenue opportunity of up to EUR 1.5bn p.a.

                                                                                                up to EUR 1.5bn
                                                                             CAGR +20-25%

                                                1
                                    EUR 261m
                                                                              up to €1.25bn
                                                                          incremental revenue

                          2019           2020       2021(e)                                        2026(e)

               1 DEGIRO not included in 2019 and only 5 months consolidated in 2020

                                                                                                                  28
flatexDEGIRO   CORPORATE PRESENTATION AUGUST

               Profitable growth results in profitability growth

                                                1
                     Adjusted EBITDA margin

                                                       Doubling profitability

                             29%                    44%                   48%       >60%

                               2019                 2020                  H1/2021   2026(e)

                     1 adjusted for long-term incentive plan

                                                                                              29
flatexDEGIRO   CORPORATE PRESENTATION AUGUST

               Capital Allocation

                                                                •   Invest in markets
                                               Organic growth   •   Invest in platform and products
                                               investments      •   Maintain sustainable
                                                                    capitalization

                                                                •   High quality sector targets or
                                                                    verticalization
                                               Sensible
                                                                •   Opportunities that accelerate
                                               acquisition
               expected generation of          strategy
                                                                    customer growth, expand
                                                                    product offering or improve

               > EUR 1.5bn
                                                                    technological set-up

               in accumulated                  Balanced         •   Potential share buybacks
                                                                    especially during inviting
                                               capital return
               Operating Cash Flow                                  market environment

               2022-2026

                                                                                                      30
flatexDEGIRO   CORPORATE PRESENTATION AUGUST

               Our 2026
               outlook                         7-8m                              250-350m
               Extending our position          Customers                         Minimum Transactions
                                                                                                        1

               as Europe's leading

                                               €1.5bn                            >60%
               online broker.

                                               Revenue (up to)                   Adjusted EBITDA Margin
                                                                                                            2

                                               >€1.5bn
                                               Accumulated Operating
                                               Cash Flow (2022-2026)

                                               1 In a year of low market volatility
                                               2 Adjusted for long-term incentive plan                          31
Annex

        32
flatexDEGIRO   CORPORATE PRESENTATION AUGUST

               Our management board
                                                                                                                             Frank Niehage has vast experience across all segments of
                                                                                                                             retail and commercial banking, working as Managing Director at
                                                                                                                             Goldman Sachs until August 2014 when he joined flatexDEGIRO
                                                                                                                             AG. In previous positions, he was instrumental in the growth of
                                                                                                                             Bank Sarasin AG as CEO in Germany. Prior to this he had
                                                                                                                             served in various senior positions at Commerzbank, Credit
                                                                                                                             Suisse, UBS and international law firm Beiten Burkhardt, both in
                                                                                                                             Germany and internationally, especially in Asia. Frank is an
                                                                                                                             attorney at law in Germany and has received his Master of Laws
                                                                                                                             majoring in international economics from the University of
                                                                                                                             Houston Law Center.

                                                                                                                             Before joining flatexDEGIRO AG in 2015, Muhamad Said
                                                                                                                             Chahrour was CFO at Lamudi, one of Rocket Internet SE’s core
                                                                                                                             ventures, and primarily responsible for the financial funding and
                                                                                                                             investor relations of the global entities. He previously worked in
                                                                                                                             M&A and Transaction Services at UBS and pwc. Muhamad has a
                                                                                                                             strong track record of excellent work results and exceptional
                                                                                                                             expertise and experience across the sectors of corporate finance,
                                                                                                                             credit and investment management, and business development.
                                                                                                                             Muhamad holds a Master of Science degree in quantitative
                                                                                                                             finance from the University of Bath School of Management.

                                   Frank Niehage, LL.M.                     Muhamad Said Chahrour, M.Sc.

                                   Chief Executive Officer (CEO)            Chief Financial Officer (CFO) flatexDEGIRO AG,
                                   flatexDEGIRO AG & flatexDEGIRO Bank AG   Chief Executive Officer (CEO) DEGIRO,
                                                                            Managing Director flatexDEGIRO Bank AG

                                                                                                                                                                                                33
flatexDEGIRO   CORPORATE PRESENTATION AUGUST

               Diversity at work – our success is based on the competence,
               commitment and flexibility of our team

                                       Half
                                 tech-rockstars,                   1/3
                                       half
                                                                 under 30
                                    non-tech-
                                    rockstars

                      45                                                         1/3
                 nationalities                                                 female

                                                                  Flexible
                                                    15%           working
                                                   partime       well before
                                                                   Covid

                                                                                        34
flatexDEGIRO   CORPORATE PRESENTATION AUGUST

               ESG status

               Key achievements                               Next steps

                • First non-financial statement/               • Apply for memberships/participation:
                  sustainability report published                UN Principles for Responsible Banking
                • United Nations Global Compact joined           (PRB), Climate Neutral Now; Net-Zero
                  in April 2021                                  Banking Alliance; UNEP Finance
                • Measures launched to reduce CO2                Initiative (UNEPP FI)
                  emissions (switch to natural electricity,    • Introduce a software-supported ESG
                  electrification of vehicle fleet, etc.)        management system
                • Active communication with all well-          • Publish additional or
                  known rating agencies started (MSCI,           supplementations to existing ESG-
                  ISS-ESG, Sustainalytics, S&P)                  relevant guidelines
                • In cooperation with providers of             • Introduce a reporting system in
                  sustainable investment funds, online           accordance with GRI standard
                  seminars on sustainable investment           • Make ESG products much more
                  are provided for our customers.                visible to our customers by adding
                • ESG-relevant topics included as a              ESG-relevant rating information to in-
                  regular component of the Group’s               app search functionalities
                  Governance Committee

                                                                                                          35
flatexDEGIRO   CORPORATE PRESENTATION AUGUST

               flatexDEGIRO AG - our shareholder structure
                                                                                                               12.9% GfBK Gesellschaft für
                                                                                                               Börsenkommunikation mbH

                                                                                                                      5.2% Heliad Equity Partners

                                                                                                                         1.4% Bernd Förtsch

                                                                                                                           7.5% KipEi B.V.
                                  61.5% free float                                              27.4m
     free float includes 4% held by management                                                  shares
                           incl. exercised options                                           outstanding*
                                                                                                                           5.8% Nola B.V.

                                                                                                                      5.7% Arrow FO B.V.

               * excluding additional approx. 450k management options exerciseable over the next three years

                                                                                                                                                    36
flatexDEGIRO   CORPORATE PRESENTATION AUGUST

               Our stock – a continuing success story on the capital market

                                                                                                                            Shares outstanding:       27,426,137
               SHARE PRICE DEVELOPMENT LTM
                                                                                               06/29/2021                   Options outstanding:      max. 0.5m
                                                                                                 117.10 €
               120 EUR

               110 EUR                                                                                                                                EUR 2.4 bn
                                                                                                                            Market capitalisation:
               100 EUR                                                                                                                                (as of 2021-08-20)
               90 EUR
                                                                   29/12/2020
               80 EUR
                                                                     62.60 €                                                                          SDAX
               70 EUR
                                                                                                                            Listed:                   Regulated market / PRIME Standard /
               60 EUR                                                                                                                                 Frankfurt Stock Exchange
               50 EUR
                         04/02/2020
               40 EUR     26.60 €
                                                                                                                            ISIN:                     DE000FTG1111
               30 EUR

               20 EUR
                    Apr-20        Jun-20   Aug-20   Oct-20     Dec-20        Feb-21   Apr-21    Jun-21      Aug-21
                                                                                                                            Bloomberg:                FTK GR Equity

                Stock covered by:
                August 2021                                  August 2021                                    Apr 2021                                 August 2021
                PT EUR 160.00                                PT EUR 146.00                                  PT EUR 120.00                            PT EUR 96.00
                Buy                                          Buy                                            Buy                                      Hold

                August 2021                                  August 2021                                    August 2021
                PT EUR 140.00                                PT EUR 141.00                                  PT EUR 150.00
                Buy                                          Buy                                            Buy

                                                                                                                                                                                        37
flatexDEGIRO   CORPORATE PRESENTATION AUGUST

               Financial calendar 2021

                                               Financial Publications 2021

                                                        31 August 2021   Half-year Report 2021

                                                      9 November 2021    Interim Management Statement Q3/2021

                                               Investor Conferences 2021

                                                          August 2021    Montega, HIT Conference

                                                      September 2021     Berenberg/Goldman Sachs, German Corporate Conference

                                                       November 2021     DZ Bank, Equity Conference

                                                       December 2021     Berenberg, Pennyhill

                                                                                                                                38
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Contact

Achim Schreck                                             flatexDEGIRO AG
Head of IR and Corporate Communications

Mobile:   +49 160 92774570                                Address:   Rotfeder-Ring 7

Phone:    +49 69 450001 1700                                         60327 Frankfurt/Main, Germany

Mail:     achim.schreck@flatexdegiro.com                  Website:   www.flatexdegiro.com

                                            flatexDEGIRO AG
                                    Corporate Presentation August 2021
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