Investor Presentaiton

Overview of Product Portfolio Revenue Split and Structure ■ Microloans have historically been the core product since start of operations in 2005 however, with banking license in place since 2012, there has been more focus on traditional consumer loans Currently the Issuer takes deposits in Sweden, Germany, Norway, France and Spain. Average interest is 0.6% ■ Credit limit represents 47.9% of the loan portfolio and 50.5% of revenues ■ In 2016, the Group launched its Mobile Bank platform offering interesting growth opportunities, currently active in 5 markets Loan Portfolio Breakdown by Product, Dec-18 2.4% 9.1% 15.2% 47.9% ■Microloan PlusLoan 25.3% Credit Limit Business (SME) Revenue Products Share Revenues by Product (€,000) 2017 529 Primeloan (incl. 0.6% Mobile Bank)² 2018 +178% y-o-y 1,468 2017 13,135 Business (SME) 8.0% 2018 21,008 +60% y-o-y 2017 Credit Limit 50.5% 2018 2017 PlusLoan 25.0% 2018 2017 Microloan 15.9% 2018 Average Amount and Duration of Different Loan Products¹ Active Markets Average amount Average loan term 9 2 (5) PrimeLoan Business (SME) Credit Limit 103,774 +28% y-o-y 10 132,321 PlusLoan Microloan 9 EUR 6,004 4.9 years EUR 13,503 420 days EUR 1,269 n/a EUR 753 EUR 210 355 days 29 days 60,315 +9% y-o-y 65,641 43,886 41,709 -5% y-o-y 13 Source: Company filings. Note: 1) Information as of December 31, 2018, 2) Mobile Bank, FerBuy, Primeloan and Ferratum P2P ferratum 24

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