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Investor Presentaiton

Summary and Outlook ■ Ferratum has experienced strong revenue and EBIT (EUR 000s) profitability growth over the last few years Through its increasing base of customer deposits, the Group has a well funded balance sheet with a decreasing cost of capital ■ Risk procedures have been improved and overall cost base has been decreased ■ Future focus is on EBIT development and profitability ■ For FY 2019, Ferratum expects EBIT to exceed EUR 45 million 21,142 16,478 31,838 37,799 Outlook EBIT to exceed EUR 45 million > 45,000 2015 2016 2017 2018 2019 ferratum 41

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