Investor Presentaiton

More than 13 Years of Profitable Growth Geographic Expansion Product Diversification Banking licence Launch of the Mobile Bank 2019: Mobile Bank new generation Launch of Banking-as-a- Service ■ Initial focus on Finland, Sweden, and the Baltic countries ■ In 2007 and 2008 the Group expanded into Central and Eastern Europe as well as certain Western countries ■In 2011 and 2012, the Group decided to expand internationally and enter the markets in New Zealand and Australia as well as Russia With banking license obtained in 2012 and start of banking operations in 2013, the Group could further expand within EU through passporting of bank license Banking license also provides valuable deposit funding ■In 2015, the Group launched its mobile banking platform enabling an efficient roll-out of services across its active markets ■ As of December 2018, the Group had a total loan portfolio of EUR 321 million with 2.0 million total customers¹ and 792 thousand active customers² 2013 Mobile Concept 2005 2006 2007 2008 2009 2010 2011 2012 +FIN SWE EST LAT POL DEN No new GBR RUS No new countries LIT ESP BUL CRO countries. MLT CZE NZL SVK AUS NED Net Receivables (EURm) 257.4 184.3 106.8 61.5 7.9 14.0 23.0 38.0 44.0 2014 2015 2016 2017 GER ROM (•) CAN No new countries FRA BRA NIG NOR MEX 2018 No new countries 320.5 Number of total customers (millions)1 2.0 1.9 1.6 1.2 1.0 الاسر السـ T 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 0.8 0.6 0.5 0.3 0.3 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Source: Company Filings. Note: Malta has no local operations. 1) Active and former customers who have been granted one or several loans in the past or has an open mobile account. Implementation of GDPR led to deletions of 149,000 former customer records in 2018. 2) Customers with a Mobile Bank account and lending customers who have had an open balance in the last 12 months. If loans are >24m overdue, the customer is not considered active ferratum 10

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