Looking back to 2026

Visa is a leading global digital payments network that enables transactions between consumers, merchants, financial institutions, and governments in more than 200 countries and territories. Our innovative, reliable, and secure payments network connects people, businesses, and economies, making it easier for them to thrive. We are shaping the future of payments, believing that an inclusive economy benefits everyone.

flatexDEGIRO AG (WKN: FTG111, ISIN: DE000FTG1111, Ticker: FTK.GR) operates one of the leading and fastest-growing online brokerage platforms in Europe. Based on modern, proprietary, state-of-the-art technology, the company offers its customers a wide range of independent products with execution on top Tier 1 exchanges under the flatex and DEGIRO brands. Its technological edge, high efficiency, and strong economies of scale enable flatexDEGIRO to continuously improve its service offerings for customers and set leading standards in product, price, and platform quality.

With approximately 3 million customer accounts and around 60 million securities transactions processed in 2023, flatexDEGIRO is one of the largest retail online brokers in Europe. In times of bank consolidation, low real interest rates, and digitalization, flatexDEGIRO is ideally positioned for further growth.

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Risk Management Partners (RMP) is a unit of Munich Re, one of the world's leading providers of reinsurance, primary insurance, and insurance-related risk solutions, and a pioneer in the global assessment of natural hazards and climate-related risks. We leverage this experience to make companies more resilient: With Location Risk Intelligence, our modular SaaS platform, we help insurers, banks, corporations, and asset managers understand, measure, and manage risks and make informed decisions for the future.

Adobe is changing the world through digital experiences.
Successful experiences can inspire people, transform industries, and move the world forward. And every experience begins with creativity.

Creativity is in our DNA. With our innovations, we create new possibilities for shaping digital experiences. We combine content and data management. And we bring technologies to market that democratize creativity, take storytelling to the next level, and inspire new business ideas.

We combine next-generation strategy and transformation consulting to achieve rapid, measurable impact. It begins with understanding what truly drives people, industries, and societies forward. Where AI and technology create genuine added value and positive experiences foster acceptance and adoption. We call this human-centered value creation – enabled by technology.

IKB Deutsche Industriebank AG, headquartered in Düsseldorf, focuses on Germany's upper mid-market. These are primarily companies with annual revenues exceeding €100 million. Since its founding in 1924, IKB has specialized as an independent private bank, primarily in long-term financing for companies and projects. IKB's client business centers on loan and structuring advice. The bank also develops financing solutions for its clients that can be used independently of their own balance sheets. This includes assisting companies with access to the capital market, for example, through the issuance of promissory notes or bonds. As a specialist, IKB offers its clients access to public funding programs. IKB employs approximately 600 people and, with six branches, has a sales network covering all regions of Germany.

About LBBW

LBBW is a medium-sized universal bank and the central institution for savings banks in Baden-Württemberg, Saxony, and Rhineland-Palatinate. With total assets of €347 billion and approximately 10,800 employees, LBBW is one of Germany's largest banks. Its core activities include corporate banking, particularly with medium-sized businesses, and retail banking, as well as banking with savings banks. A further focus is on real estate and project financing in selected markets, along with customer-oriented capital markets business with banks, savings banks, and institutional investors. Medium-sized businesses and retail customers in Baden-Württemberg, as well as wealth management clients, are served under the BW-Bank brand, while the Group's commercial real estate financing is consolidated under the Berlin Hyp brand. In addition to its expertise in innovative and complex investment products and financing solutions, LBBW also plays a key role in supporting the development of international markets. To this end, LBBW maintains an international presence with 19 locations in 18 countries. Specialized subsidiaries, for example in the areas of leasing, factoring, real estate, commercial investment business, venture capital or asset management, complete the in-house range of services offered by the LBBW Group.

Publicis Sapient is a technology company providing enterprise AI platforms and services. For over 30 years, we have been a leader in digital business transformation. We help companies optimize their processes, improve customer experiences, unlock new value creation potential, and thrive in an AI-driven world. Our AI platforms are built on a deep understanding of the business context and help our clients modernize, develop agent-based solutions, and secure their competitive advantage.

Roland Berger is the only leading strategy consultancy with European roots. The company combines deep industry and sector expertise with extensive experience in key management functions and transformation projects. Founded in 1967 and headquartered in Munich, Roland Berger supports companies worldwide in designing and implementing complex transformations – from strategic realignment and performance improvement to the development and application of data-driven, AI-supported solutions. Roland Berger is committed to embedding sustainability in all its projects. The company projected revenues of over one billion euros in 2025.

Whether ESG, compliance or creditworthiness – the right solution for every risk.

SCHUFA supports companies in the context of holistic risk management with a comprehensive range of services related to company data. The primary goal is to provide our customers with maximum transparency, enabling them to make secure and sustainable business decisions.

Efficient risk management is one of the key strategic challenges for every company and, due to increasing regulatory requirements, now extends far beyond traditional credit checks. Our portfolio is therefore as diverse as our clients' needs.

The range of digital solutions extends from compliance and money laundering checks, automated Know Your Customer (KYC) processes, national and international business information, to a central platform for collecting and exchanging sustainability data:

Sygnum, founded in Switzerland and Singapore, is a global banking group specializing in digital assets. We empower professional and institutional investors, banks, corporations, and DLT foundations to invest in digital assets with complete confidence. Our team offers institutional-grade security, personalized service and expertise, and a portfolio of regulated digital asset banking, asset management, tokenization, and B2B services.

Sygnum holds a banking license in Switzerland and CMS and Major Payment Institution licenses in Singapore. The group is also regulated in the established global financial centers of Abu Dhabi, Luxembourg, and Liechtenstein.

We believe the future has a past. Our team of experts in banking, investment, and digital asset technology, specializing in digital assets, is building a trusted bridge between the traditional and digital asset economies, which we call "Future Finance." To learn more about Sygnum's mission and values and how they are shaping the digital asset ecosystem, please visit [website address]. www.sygnum.com or on LinkedIn and X.

BSI Software is a leading European provider of software solutions for Customer Relationship Management (CRM) and Customer Experience (CX). The BSI Customer Suite supports companies in regulated industries such as banking, insurance, retail, and energy and utilities in the holistic design of digital customer relationships – along the entire customer journey. BSI Software is the market leader in its focus industries in the DACH region (Germany, Austria, and Switzerland).

The modular, scalable, and holistic customer platform offers comprehensive functions for marketing automation, sales support, and service processes – AI-based, compliant, and technologically sophisticated. This includes the AI-powered BSI Companion, the CRM solution with a generative 360° customer view, and automation through Agentic AI. Thanks to a multi-cloud strategy and model agnosticism, companies remain flexible in their choice of infrastructure and AI models.

BSI Software combines technological expertise with in-depth industry knowledge. Its clients include renowned companies such as ADAC, Hornbach, Techem, PostFinance, the Raiffeisen banking group, and Signal Iduna.

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The Federal Association of German Cooperative Banks (BVR) represents the interests of the cooperative banking group, comprising approximately 672 institutions, 137,000 employees, nearly 18 million members, and over 30 million customers. The cooperative banks are regionally rooted and stand for responsible, customer-oriented banking. Together with the companies of the DZ BANK Group, they offer a comprehensive range of financial services from a single source. The BVR supports its member banks by advocating for their interests with policymakers, regulators, and the public. Within the group, it coordinates and develops a common strategy and operates the BVR Deposit Protection Scheme, which has reliably protected customer deposits and the solvency of its member banks for more than 90 years.

„"We rescue and steer critical banking and payments transformations."“

LKPU is a management consultancy specializing in critical transformations for banks. We take responsibility where programs are under pressure, regulatory requirements increase, and complex transformations need to be successfully implemented.

Our main focus areas:

• Payments Transformation (Cards & Platforms)
• People & Organization Transformation
• Project Rescue for critical programs

Our goal: Deliver successful transformation – not just advise on it.

PPI AG has been a successful consulting and software company for financial service providers for over 40 years. As a steadily growing, family-owned public limited company, we combine specialist and technological expertise to implement projects competently and efficiently. With our standard products, we hold a market-leading position in payment processing across Europe. Our approximately 900 employees are fully focused on the success of our clients.

We are a reliable partner for banks and insurance companies – from expert advice to technical implementation. We help our clients future-proof their value chains and master digital transformation with new business models. Our services cover three key areas of expertise.

In the Consulting As specialists and technology experts, we support our customers with practical solutions at all consulting levels.

In the area Products We offer high-quality, easily integrated software solutions as well as end-to-end software products for all payment transactions – on-premises or as Software-as-a-Service.

Technology & Operations combines our methodological and technological expertise in the area of data-driven business processes as well as the provision and operation of technical infrastructures in the cloud.

The Association of German Public Banks (VÖB) is a leading association of the German banking sector. It represents the interests of 64 members, including the state banks and the federal and state development banks. The VÖB's member institutions have a balance sheet total of approximately €3.2 trillion, representing about a quarter of the German banking market. These public banks fulfill their responsibility to small and medium-sized enterprises (SMEs), businesses, the public sector, and private customers, and are firmly rooted in their home regions throughout Germany. With a 57 percent market share, the VÖB's ordinary member banks are the market leader in municipal financing and also provide around 22 percent of all corporate loans in Germany. The VÖB is the only banking association that also acts as an employers' association for its member institutions.

IT Finanzmagazin is the technical news magazine for banks, savings banks, insurers, and regulated FinTechs. We report on future-oriented topics in the financial sector – smart technical solutions for institutions and providers, digitalization projects, and ideas for modern, digital products. Further information: