Investor Presentaiton

Ferratum Group in Brief Introduction ■ Ferratum Group is an international provider of unsecured digital consumer loans and small business loans headquartered in Helsinki, Finland ■ Offer customers fast and easy to use mobile lending and banking services Currently active in 25 countries ■ The Group was founded in 2005 by the current CEO and largest shareholder (-55%), Mr. Jorma Jokela ■ Listed on Prime Standard of the Frankfurt Stock Exchange since February 2015 ■ Business was initially focused 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 and the international expansion is continuing ■ Ferratum Group has enjoyed more than 13 years of profitable growth ■ CAGR of 38.9% and 37.4%, respectively, for revenues and EBIT since 2014 ■ The Nordics contribute with the highest share of revenues - 42.7% What we are... Historical Financial Development (EURm)¹ 70.5 10.6 2014 CAGR: 38.9% 154.1 111.0 16.5 2016 2015 Revenue by Geography² FY 2018 31.8% 3.8% 21.7% Northern Europe 42.7% Western Europe Eastern Europe Rest of the World What we are not... 21.1 262.2 Revenue 221.6 EBIT 2017 31.8 2018 37.8 Loan Portfolio by Product FY 2018 2.4% 9.1% 15.2% 47.9% Microloan ■PlusLoan 25.3% Credit Limit Business (SME) Mobile Bank Mobile lender and bank with deposit business BJUD Expert for Big Data scoring, mobile account opening, mobile contract conclusion Mobile Bank with EU wide license Source: Company filings. Note: 1) 2012 and onwards reported under IFRS and prior reported in accordance with FAS. 2) Northern Europe Finland, Sweden, Denmark, Norway; Western Europe = France, Germany, Netherlands, Spain, UK; Eastern Europe = Bulgaria, Croatia, Czech Republic, Estonia, Latvia, Lithuania, Poland, Romania, Russia, Slovakia; Rest of the World = Australia, Brazil, Canada, Mexico, New Zealand, Nigeria Payday lender Credit card company Traditional retail bank ferratum 8

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