Investor Presentaiton

Ferratum Group Structure ■ Part of Ferratum's operations are conducted under a banking license while the remainder of the operations do not require a banking license ■ Credit institution license (i.e. a banking license) was granted by the Malta Financial Services Authority in September 2012 ■ The banking license can be passported within the European Union " " Ferratum Bank provides consumer loans in a number of European countries as indicated in the table Remaining Ferratum Group subsidiaries provide consumer loans and financial services in other countries EU banking license operations Jorma Jokela 55.05% Ferratum Oyj (Guarantor) Subsidiaries Free Float 44.95%¹ Non-banking license operations Ferratum Bank Plc Western Europe Eastern Europe Outside EU SME Lending Sweden Spain Finland Romania New Zealand Finland Czech R Poland Bulgaria Denmark Lithuania Australia Sweden Poland Germany Norway United Kingdom Russia Netherlands United Kingdom Czech R France Netherlands Canada Denmark Australia Estonia Slovakia Nigeria Lithuania Latvia Croatia Brazil Mexico Note: 1) Including shares owned by Dorval and HSBC of 5.09% and 5.37%, respectively, and treasury shares of 0.67% ferratum 51

View entire presentation