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Investor Presentaiton

Ownership and Share Price Development Shareholder overview as at 28 February 2019 33.82% 5.09% 5.37% 0.67% Share price and traded volume | Feb 2015 to Mar 2019 Price (EUR) Volume (m) 400,000 Jorma Jokela Ferratum Oyj 350,000 HSBC 55.05% ■Dorval 300,000 250,000 Free float 200,000 150,000 100,000 ■ Founder and CEO, Jorma Jokela, is the largest shareholder, owning 55% of the shares outstanding 50,000 ■ Total free float was 45% as of February 2018, including shares owned by HSBC and Dorval, as well as treasury shares and shares held by employees and management ■ Current market cap of EUR 260.7 million¹ Source: Company filings, Factset Note: 1) As of close at 18 March 2019 0 35 - 30 25 20 15 10 5 0 Feb-15 Aug-15 Feb-16 Aug-16 Feb-17 Aug-17 Feb-18 Aug-18 Feb-19 ferratum 49 49
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