Investor Presentaiton

Leverage opportunities and priorities Operating costs have stabilized while revenue growth is recovering EUR'000 80,000 70,000 60,000 50,000 40,000 30,000 20,000 Growth slowdown Q1 2017 Q2 2017 Q3 2017 Q4 2017 Q1 2018 Q2 2018 Q3 2018 Q4 2018 Management progress to improve performance বাব Accelerate growth of lending by improving risk & increase customer intake Improve conversion rate, scoring & underwriting ■ Processes for increasing customer intake and efficiency✓ Reshape organisation ■ Staff streamlining Strengthen top management ■ Create five cylinders and responsibilities common to every product ■ Lead generation, conversion funnel, underwriting & collections, CRM, product & pricing Rebalance resources ■ Focus on lending in existing markets ■ More resources allocated to risk management and automation Review geographies for profitability Considering withdrawal from 1-2 non-performing countries ongoing Revenue Total costs ferratum 21

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