Investor Presentaiton

Product Area - Mobile Bank¹ Service Offering ■Mobile Bank includes the Group's Mobile Banking operations (launched in 2016), FerBuy (to be discontinued), Primeloan (started in 2017) and Ferratum P2P ■The Group's mobile banking offering is currently available in five countries in Europe, aiming to offer customers a simple, real-time, global and mobile banking solution allowing customers to have current accounts, savings accounts and term deposits with Ferratum ■ Customers receive a free contactless debit card, allowing customers to withdraw cash across Europe in any currency ■ In addition, a current account with Ferratum supports multi currencies, allowing customers to move money between countries in real-time at attractive FX-rates and enabling cross-boarder transactions ■ Ferratum's mobile offering will be renewed during 2019, with new services to be introduced through a new enhanced Mobile Bank app. Customers will eventually have intelligent financial services (loans, credit, savings, investments and payments) available to address all financial matters, with the services provided by Ferratum and Ferratum's partners ■Ferratum P2P lending and investment platform will be restructured during 2019 Mobile Bank - Share of Revenue 0.6% Mobile Bank – Revenue and Contribution (EUR thousands) 101% p.a. 1,468 ■ The platform will be closed to new retail customers, with existing principals and accrued interest bought back, and relaunched to serve institutional investors in the first half of 2019 529 ■ In 2017, Ferratum launched Primeloans to Finnish private customers, with a subsequent successful rollout in Germany in October 2018. This adds to the company's growing suite of consumer lending products 364 ■ Under this product category, Ferratum competes with larger banks to offer loans in the range of EUR 3,000-20,000 with maturities ranging from 1-10 years Source: Company filings Note: 1) Includes Mobile Bank, Ferratum P2P, Prime Loan and FerBuy (FerBuy is to be discontinued). Only for Ferratum Group. Not part of Ferratum Bank's product offering FY 2016 FY 2017 FY 2018 Revenues ferratum 29

View entire presentation