Investor Presentaiton

Competitive Landscape ■ The EU consumer credit market is highly fragmented with many new suppliers entering the small consumer loan market ■ Mobile consumer loans is the newest consumer credit market segment. Mobile lending is a modern way of granting small loans by utilizing mobile telecommunications and online technology to enable fast, easy, and confidential loan services " Competition in the mobile consumer loan market has increased steadily as mobile loan products have become established as a reliable source of consumer financing ■ Ferratum's primary focus is the mobile banking market where key competitors are often small local microloan companies with a limited customer database and limited international activities. In addition, the Group also faces competition from larger consumer credit companies which offer consumer lending and deposit at higher rates than traditional retail banks ■ There are a wide range of smaller competitors which operate locally in Europe and Asia Pacific ■ Some markets such as the UK have dozens of small competitors while countries such as Germany, which have higher regulatory requirements and require a banking license for a consumer loan business, have much fewer direct competitors which operate locally Segment Small Business/ Consumer Loan Market Mobile Banking Market Comments Companies principally compete with traditional banks which provide liquidity and working capital facilities for small companies as well as with certain consumer finance companies which are also starting to approach this market Competitors operating in the consumer credit market and small business loan market have created a variety of products in response to market demand that reflect the financial solvency, needs, and creditworthiness of customers Traditionally, customers could access their bank account via their bank's web page through a web browser on a mobile device or via text message ■ As a result of the fast growth of mobile applications, traditional banks have also developed mobile applications that can be downloaded to a mobile device and used to access account information and functionality ■ The development of mobile devices in general is an indicator for the mobile banking market potential Companies often offer a broad product portfolio, such as payday loans as well as pawn broking Example of key players fe Ferratum™ mare than my se .al Kreditech fe Ferratum™ vivus.fi DFC GLOBAL CORP marginalen bank enova. are than most ever Klarna adyen Santander Citibank Broad Product Portfolio ■ The upper segment of the market is controlled by the consumer finance divisions of global banks, which offer loans in excess of EUR 2,000 or often EUR 5,000 (Ferratum's Prime Loan product is within this range) Swedbank fe Ferratum" more than money t Source: European Central Bank, Oliver Wyman ferratum 43

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