Investor Presentaiton

Product Area - Microloans Service Offering ■ Short-term microloans with a nominal value below EUR 1,000 have historically been the Group's core product since it started its operations in 2005 However, the Group has decreased its focus on microloans over the last couple of years with the product type comprising 9.1% of the total loan portfolio as at Dec-18 while representing 15.9% of revenues for FY 2018 ■ This can be compared to 2016, when Microloans accounted for 34% of revenues ■ Microloans are currently offered in 13 countries ■ Microloans typically range between EUR 25-1,000 with durations of 7-90 days, depending on the loan amount and regulatory framework of the customer's country ■ Average loan amount totalled EUR 210 with an average duration of 29 days as at Dec-18 ■ Microloans are facilitated through the Group's mobile phone application and customers are in most cases able to obtain loans instantly ■ Given the varied regulatory requirements, payment cultures and overall credit risks within different markets, the Group applies customized interest rates, fee structures and terms and conditions depending on market ■ Therefore, specific provisions for customer default, loan modification, technical repayment processes and additional customer obligations differ from country to country ■In 2018, Microloans were discontinued in Canada and Sweden following the Group's strategy, as higher customer lifetime value can be to achieved with other products Microloans - Share of Revenue 0 15.9% Microloans – Revenue and Contribution (EUR thousands) -11% p.a. 52,837 43,886 41,709 19% Revenues 8% ■Gross contribution margin (%) 5% Source: Company filings FY 2016 FY 2017 FY 2018 ferratum 26 26

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