Investor Presentaiton

Risk modelling review programme Programme is substantially completed 2018 Scoring Risk & IT Risk & Marketing 2019 Intended benefits in 2019: ■New heads of data science and credit management appointed ■ All credit decisions under central monitoring ■ Score cards for new and existing customers reviewed ■1,000 credit policy rules reviewed (mostly completed) ■ Mid term optimization plan defined in order to even exceed current status ■ New scorecard implementation tool implemented (Score Mada) ■New scorecard implementation process defined ■ Documentation of risk relevant features in IT systems completed Strong score card quality monitoring established ■New Collection tool selected (Fico) 5 cylinder model established - improving handshaking between risk and other functions, especially marketing and sales ■ Increase number of new customers ■ Increase active customer base Optimize cost benefit of customer acquisition ■ Increase the quality of the credit portfolio ferratum 22

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