Investor Presentaiton

Fintech Market Overview ■The Fintech industry is currently experiencing very beneficial market dynamics, with several new technologies disrupting traditional financial market services ■ Fintechs are expected to have an aggregate market share of up to 5% by 2020 of the total financial sector ■ There have been substantial investments in Financial Technology in the last couple of years, with $27bn equivalent invested in 2017 globally ■ The geographic areas that are exhibiting the largest growth is the US coupled with Europe ■ Smart phone penetration has fuelled the emergence of Fintechs as smart phones have become an integral part of peoples life and people (millennials in particular) are more open to new technologies Global Investments and no. of deals in Financial Technology ($bn) 2,694 1,805 1,194 949 $bn investments 812 27.4 638 476 21.2 23.3 338 1.9 13.3 # of deals 2.5 3.2 4.8 2010 2011 2012 2013 2014 2015 2016 2017 Areas of Disruption Percentage of FinTech Survey participants 80% 70% 60% 50% 40% ■ The areas that are expected to be most 30% disrupted by Fintechs are Consumer banking, 20% Fund transfer and Payments, Wealth Management and SME banking 10% 0% Consumer Fund transfer Investment & SME banking: Brokerage banking & payments wealth services management Insurance Commercial banking Insurance intermediary Market operators & exchanges Fund operators Ferratum core product offering Investment Reinsurance banking Source: McKinsey, PwC ferratum 47

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