Investor Presentaiton

Investment Highlights Proven business model with banking license Nearly 14 years of experience offering credit and payment products for consumers and small business, currently active in 25 countries primarily in Europe Specialist in online processes with a centralized technology infrastructure and sales experts Self-learning Big Data Scoring System: State-of-the-art security for credit approvals and automatic processes EU banking license - enables passporting of license to other EU countries Profitable growth Profitable growth since establishment in 2005 - revenue and EBIT CAGR of 38.9% and 37.4% between 2014 and 2018 During FY 2018 the Group increased revenues with 18.3% while EBIT reached 14.4% of revenues Future growth via mobile bank application (start up investments during 2016) and access to deposit funding Net receivables have grown with a CAGR of 51.1% 2014-2018 Solid financial position and asset quality Group equity ratio of 21.5% and net equity ratio of 27.9% as of December 2018 Conservative net debt to equity ratio of 2.58x and strong liquidity position of EUR 116 million as of December 2018 Limited historical distributions, capped at maximum 25% of net profit going forward Strong asset quality with gross impairments of 4.9% of gross receivables and improving due to rigorous credit scoring Conservative impairment policy with reserves of 31.5% of gross receivables, December 2018 Strong corporate governance and experienced team EU banking license granted by Malta Financial Services Authority Prime standard listing on Frankfurt Stock Exchange with a market cap of EUR 260.7 million¹ Board of directors and management team with extensive experience within consumer finance, banking, legal and other businesses Note: 1) As of close at 18 March 2019 ferratum 6

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