Investor Presentaiton

Transaction Structure and Use of Proceeds Simplified Transaction Structure Ferratum Oyj Guarantor Introduction ■ Ferratum Capital Germany GmbH ("Ferratum Capital", the "Issuer" or the "Funding SPV") is a subsidiary of Ferratum Oyj (the "Guarantor" and together with all its subsidiaries "Ferratum Group", "Ferratum" or the "Group") ■ The Issuer functions as a funding SPV for the Group as a whole and currently has two bonds outstanding of a total of EUR 125 million ■ The Issuer intends to issue new senior unsecured bonds in an initial amount of up to EUR 100 million under a total frame of EUR 150 million ■The net proceeds from the Bond Issue will be used to: ■ repay existing bonds outstanding of the Issuer of EUR 25 million; and ■ finance general corporate purposes of the Group. The Funding SPV can finance operations both under banking license and entities operating without banking license by intra-group loans ■The bonds will be guaranteed by the Guarantor ■Listed on Prime Standard of the Frankfurt Stock Exchange with a market cap of EUR 260.7 million ■ The Guarantor was founded in 2005 by the current CEO and largest shareholder (-55%), Mr. Jorma Jokela Remaining ~45% is free float² Summary of main terms available on next slide Ferratum Capital Germany GmbH Issuer and Funding SPV New bond issue Up to EUR 100m Sources and uses (EURm) Operating subsidiaries Refinance old bonds EUR 25m Sources Uses Senior Unsecured bond issue 100.0 Ferratum Capital Germany 4.875% 16/19 Bond 25.0 General corporate purposes³ 75.0 100.0 Total 100.0 Total Note: 1) As of close 18 March 2019 2) Including shares owned by Dorval and HSBC of 5.09% and 5.37%, respectively, and treasury shares of 0.67% 3) May include partial repayment of other credit lines as liquidity management ferratum 4

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