Investor Presentaiton

Key Regulatory Requirements on Ferratum Bank As of December 2018 Depositor Compensation Scheme (DCS) ■ 15% of covered deposits through a pledge of eligible assets At the end of each calendar quarter, the Bank needs to pledge 15% of covered deposits through a pledge of eligible assets in favor of the depositor compensation scheme ■ Covered deposits include deposit accounts in all currencies up to a EUR 100,000 (or equivalent) for each customer. The excess of deposits held by a customer in aggregate of this threshold or in any other currency, do not need to be pledged Liquidity Coverage Ratio (LCR) Highly liquid assets equal to or greater than 30 Days Net-Outflow Capital Requirements ■Minimum CET1 ratio of 10% ■ MFSA license condition 1 requires the Bank to hold a minimum CET1 (i.e. Core Equity Tier 1 capital as defined in article 50 of the EU Capital Requirements Regulation 575/2013) ratio of 10% to cover the basic requirements (i.e. credit, operational and market risk) Leverage Ratio ■ Bank's leverage ratio must be greater than the minimum 3% Tier 1 leverage ratio Leverage ratio risk is the risk that the Bank is not able to absorb losses on its assets due to having a high level of assets financed by debt ■ The LCR ratio is calculated with the following ratio: Liquid Assets ≥ 1 Net Stable Funding Ratio (NSFR) Liquidity Outflows - Liquidity Inflows ■ The NSFR complements the LCR where it establishes a minimum acceptable amount of stable funding based on the Bank's liquidity characteristics and activities over a one year horizon ■ The NSFR ratio is calculated with the following ratio: Available Amount of Stable Funding Required Amount of Stable Funding ≥ 1 Maximum Allowed Deposits ■ MFSA license condition 3 requires that funding from professional investors and total capital levels must be equal to or in excess of 35% of covered deposits Source: Company filings ferratum 59

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