Investor Presentaiton

Ferratum Bank Balance Sheet Comments ■Loans and advances to customers consist of loans granted to individuals and are principally unsecured ■ The gross book value of loans in Ferratum Bank increased from EUR 16,370 thousand (FY 2014) to EUR 142,610 thousand (FY 2018) ■ The Bank is funded in part by equity, customer deposits, loans from Group companies and bonds issued in Ferratum Bank (EUR 40 million outstanding) Balance Sheet EUR '000 2018 2017 2016 2015 2014 Assets Balances with Central Bank of Malta 74,465 76,746 21,288 Loans and advances to banks 19,080 35,235 38,228 3,705 3,043 Loans and advances to customers 142,610 122,539 89,134 43,203 16,370 Loans and advances to group companies 10,578 4,469 352 1,361 Investment securities 8,633 8,951 11,571 Property, plant and equipment 1,168 502 333 165 101 Intangible assets 518 513 576 360 Total equity and liabilities for Bank Plc (EUR thousands) Other assets Total assets Equity 29,226 12,293 7,357 2,536 328 286,278 261,248 168,839 49,969 21,203 Share capital 10,000 10,000 10,000 10,000 10,000 Capital contribution reserve 25,500 20,500 12,000 286,278 Other reserves 1,476 821 709 536 261,248 Retained earnings 14,236 10,028 2,852 4,363 30% Total equity 51,213 41,349 25,561 14,898 97 2,345 12,442 168,839 Liabilities 235,065 Borrowed funds 65 154 345 4,219 219,899 15% Amounts owwed to customers 180,976 171,206 98,485 3 18% 16% Debt securities in issue 39,797 39,550 38,201 20,143 143,277 49,969 Loans and advances from group companies 2,858 3,557 Other liabilities 9,682 8,174 6,196 7,132 3,230 35,071 41,349 51,213 14,898 2015 25,561 2016 Current tax liabilities 1,753 904 242 3,891 1,312 2017 2018 Total liabilities 235,065 219,899 Total equity and liabilities 286,278 261,248 143,277 168,839 35,071 8,761 49,969 21,203 Total equity Total liabilities Equity ratio Note: Preliminary financial results for Ferratum Bank 2018. ferratum 61

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