Investor Presentaiton
Product Area -
Business (SME)
Service Offering
■In 2015, business lending to Small and Medium-sized Enterprises (SMEs) were introduced in
Finland and Sweden
"
Currently, Ferratum Group offers its business lending services in 9 countries, including
Sweden, Finland, Lithuania, Denmark, the UK, the Netherlands, Czech Republic, Poland and
Australia
■ The business offering offers established small businesses, with a strong track record of at
least two years, loans with a term of six to 18 months
■ Loans can be up to EUR 250,000 and can be applied through an online application process
Average loan amount and tenor amount to EUR 13,503 and 420 days, respectively
■Loan proceeds are often used to finance working capital and bridge financing
Business (SME) - Share of Revenue
8.0%
0
Business (SME) – Revenue and Contribution (EUR thousands)
Source: Company filings. Only for Ferratum Group. Not part of Ferratum Bank's product offering
4,251
9%
122%
p.a.
21,008
13,135
20%
Revenues
17%
■Gross contribution margin (%)
FY 2016
FY 2017
FY 2018
ferratum
28View entire presentation