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Ferratum Group Balance Sheet Comments ■ In February 2015, the Group received net proceeds from its IPO of EUR 46.2 million, which is the primary driver of the increase in equity ■The IPO is considered to be a very significant milestone for Ferratum Group and is certain to strongly support Ferratum Group's further development ■Net equity ratio and net debt to equity amount to 27.9% and 2.58, respectively as at 31 December 2018 ■ The vast majority of Ferratum's assets are built up of loan receivables from customers, with net receivables amounting to EUR 321 million in December 2018 ■ The increase in liabilities between 2018 and 2017 is primarily driven by the EUR 100 million bond issue by Ferratum Capital Germany in May 2018 Total equity and liabilities (EUR thousands) Balance Sheet EUR '000 Assets Non-current assets Property, plant and equipment Loan receivables Current tax assets Total assets 29.9% 2.35 63.3% 39.5% 34.5% 1.90 1.53 27.9% 2.58 Net equity ratio Net debt 277,253 Total Equity 199,520 0.58 134,751 Net debt/Equity 45,037 50,336 105,243 107,380 77,638 87,875 21.443 2014 2015 2016 2017 2018 Source: Company filings. Note: 1) In previously published reports "Deposits from customers" were included in borrowings 2018 2017 2016 2015 2014 4,155 3,482 2,761 560 294 Intangible assets 30,227 20,037 12,736 8,232 4,383 Government stocks 8,533 8,851 11,450 Deferred income tax assets 10,622 3,757 3,480 2,692 2,711 178 Total non-current assets 53,714 36,127 30,427 11,484 7,388 Current assets Accounts receivable - lending business 320,538 257,406 184,346 106,758 61,529 Other receivables 9,399 10,554 7,298 4,309 2,194 Derivative assets 21 961 156 519 555 124 668 Cash and cash equivalents 115,559 131,832 Total current assets 446,478 400,468 73,059 265,258 17,452 128,643 8,026 72,417 500,192 436,595 295,685 140,127 79,805 Equity and liabilities Equity attributable of the parent Share capital 40,134 40,134 40,134 10,134 7 Treasury shares -142 -142 -142 -142 -142 Reserves -2,211 -2,240 -1,202 -638 -392 Unrestricted equity reserve 14,708 14,708 14,708 44,708 2,373 Retained earnings 54,892 52,783 34,377 23,577 12,305 Total equity 107,380 105,243 87,875 77,638 21,443 Liabilities Non-current liabilities Borrowings 137,695 64,049 72,246 48,739 28,719 Other Payables 0 0 0 4 11 Defrred income tax liabilities 581 118 0 184 155 Total non-current liabilities 138,276 64,167 72,246 48,927 28,885 Current liabilities Current tax liabilities Deposit from customers Borrowings Derivative liabilities. Trade payables 3,372 183,405 44,882 479 1,867 1,143 1,002 1,634 174,301 101,436 69,741 18,469 3,543 20,233 790 182 10,522 9,838 4,958 2,727 4,401 Other current liabilities 11,877 10,648 9,376 6,290 3,209 Total current liabilities Total liabilities 254,536 267,185 135,564 13,562 29,477 392,812 331,352 207,810 62,489 58,362 Total equity and liabilities 500,192 436,595 295,685 140,127 79,805 ferratum 39

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