Investor Presentaiton
Scope to further improve cost of capital over time...
... by migrating more countries under Sphere I operations
SPHERE I OPERATIONS
Countries covered by
Ferratum Bank p.l.c.'s EU banking licence
ferratum
business
+
SPHERE II OPERATIONS
Countries/operations not currently utilising
Ferratum Bank p.l.c.'s EU banking licence
Potential Sphere I
Operations
0
93.5
142.6
FINANCING SPLIT 2018 (EUR million)
Migration targeted in 2019
FINANCING SPLIT 2018 (EUR million)
22.1
183.4
Loans Receivables
Cash
Loans Receivables
Cash
Ferratum Bank 3mE+ 6.25% 2020
Deposits from Customers
177.9
100.0
■Ferratum Capital Germany 4.875% 2019
■Ferratum Capital Germany 3mE +5.5% 2022
40.0
Assets
Liabilities
25.0
Assets
Liabilities
ferratum
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