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Legal structure Overview of legal structure Detailed list of group companies Group share of Parent company Name Ferratum Finland Oy Baltic Skyways OÜ Country holding share of holding Finland 100% 100% Estonia 100% 0% Ferratum Oyj Guarantor Ferratum Sweden AB Ferratum Latvia SIA Ferratum Czech s.r.o. Global IT Services s.r.o. Pactum Poland Sp. z o.o. Ferratum Spain S.L. Ferratum Bulgaria EOOD Ferratum Denmark ApS Ferratum Capital Oy Global Guarantee OÜ Ferratum UK Ltd Sweden 100% 100% Latvia 100% 100% Czech Republic 100% 100% Slovakia 100% 100% Poland 100% 100% Spain 100% 100% Bulgaria 100% 100% Denrnark 100% 100% Finland 100% 100% Estonia 100% 100% Great Britain 100% 100% Ferratum New Zealand Ltd New Zealand 100% 100% Ferratum Capital Poland S.A. (in liquidation) Poland 100% 100% Ferratum Australia Pty Ltd Australia 100% 100% Ferratum d.o.o. u likvidaciji Croatia 100% 100% Ferratum Capital Germany GmbH Issuer and Funding SPV Microfinance Company Ferratum Russia LLC Russia 100% 100% Ferratum (Malta) Holding Limited Other operating subsidiaries Numeratum d.o.o. Croatia 100% 100% Ferratum Bank p.l.c. Malta 100% 0% Ferratum (Malta) Holding Limited Malta 100% 100% Swespar AB Sweden 100% 100% Ferratum Romania I.F.N. S.A. Romania 99.93% 99.93% Ferratum Bank p.l.c Rus-Kredit O00 Ferratum Capital Germany GmbH Ferratum International Services Oy Germany 100% 100% Russia 100% 100% Finland 100% 100% Ferratum International Services Oy, Helsinki, Zug Branch Head Office Ferratum International Services Oy Ferratum Germany GmbH Ferratum Canada Inc Germany 100% 100% Canada 100% 100% Ferratum Georgia LLC Georgia 100% 100% Ferratum Mexico S. de R.L. de C.V. Mexico 100% 100% UAB "Ferratum Finance" Lithuania 100% 100% Ferratum Chile Ltda Chile 100% 99% Pactum Collections GmBH Germany 100% 100% Ferratum Peru S.A.C. Peru 100% 99% FERRATUM BRASIL SERVICOS DE CORRESPONDENTE BANCARIO LTDA Brazil 100% 99% Auxilium Limited Malta 100% 0% Inari Servicos Financeiros Ltda Brazil 100% 99% Bidellus Nigeria Limited Nigeria 100% 0% Ferratum Services Limited Malta 100% 0% Ferratum Vakuutus Oy Bidcllus Bangladesh Ltd Ferratum International Services Oy Norway Branch Ferratum International Services Oy, France Branch Ferratum International Services Oy, Spanish Branch Head Office Ferratum International Services Oy Head Office Ferratum International Services Oy Head Office Ferratum International Services Oy Finland 100% 100% Bangladesh 100% 0% ferratum 52

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