Investor Presentaiton

Ferratum Group's Typical Customer Employment ■ As at December 2018, the Group had a total customer base of 2.0 million customers¹ Among the Group's customers, a majority of the customers are below 40 years and are predominantly full-time employed ■ 93% of the Group's customers are employed ▪ Loan proceeds are primarily used to pay invoices and consumption ■ Customer acquisition is mainly conducted by modern online marketing, selectively supported by traditional PR ■The Group uses 4 main methods of online marketing namely SEO2, SEM³, affiliate marketing and cooperation ■ Ferratum operates an in house team focusing on increasing the customer base and acquires ~70 thousand new customers per quarter Age Full-time 6.0% 7.0% ■Other 8.0% Pensioner 19.0% 16.0% Unemployed 63.0% Part-time Marital Status 35.0% ■Singles 42.0% Couples without kids Couples with kids 23.0% 18-25 15.0% 25.0% 26-30 31-40 16.0% 41-50 25.0% 51+ Net receivables vs. number of new customers 321 103 294 88 270 257 255 80 77 243 80 70 71 70 225 66 66 73 206 184 65 63 75 154 78 137 122 66 71 81 107 94 Q1-15 Q2-15 Q3-15 Q4-15 Q1-16 Q2-16 Source: 2014 customer survey. No material change in customer composition according to management. Interim financials for FY 2018 restated. Note: 1) Active and former customers who have been granted one or several loans in the past or has an open mobile account, 2) Search Engine Optimization, 3) Search Engine Marketing Net receivables Number of new customers ferratum Q4-18 17

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