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This presentation contains, or may be deemed to contain, forward-looking statements. These statements relate to future events or future financial performance of Ferratum. Such statements are based on the current expectations and certain assumptions of Ferratum’s management, of which many are bey ond the Ferratum’s control. The words "aim", "anticipate", "assume", "believe", "continue", "could", "estimate", "expect", "forecast", "guidance", "intend", "may", "plan", "potential", "predict" "projected", "risk", "should", "will" and similar expressions or the negatives of these expressions are intended to identify forward-looking statements. By their nature, forward-looking statements involve risks and uncertainties because they relate to events and depend on circumstances that may or may not occur in the future. Future results may vary from the results expressed in, or implied by, the forward-looking statements, possibly to a material degree. All forward-looking statements included herein are based on information presently available to Ferratum and, accordingly, Ferratum assumes no obligation to update any forward-looking statements, unless obligated to do so pursuant to an applicable law or regulation. Nothing in this presentation constitutes investment advice and this presentation shall not constitute an offer to sell or the solicitation of an offer to buy any securities of Ferratum or otherwise to engage in any investment activity. 2 FE-Classification: General\Anyone

Years of profitable Countries growth Mobile ile Bank nk Consum sumer r Busines iness (inc ncl. l. PrimeLo Loan) Loans ns loans ns 1% of revenues nues 90% of revenues nues 9% of revenues nues Founded EU Banking Frankfurt Fast, easy & Helsinki 2005 Licence Prime Standard digital financial solutions Reiteration of EBIT guidance for 2019 > EUR 45m ▪ Growing operational efficiency and declining credit losses resulting in ▪ record quarter (Q3) at EBIT level of EUR 13m Continuing strong revenue growth in key products Credit Limit and SME ▪ Solid capital structure: net debt to equity stable at 2.61 at end of Q3/19 ▪ 9M 2019 Y-o-y revenue 9M 2019 EBIT growth revenue 4 FE-Classification: General\Anyone

Vision Mission “We have always strived to offer our customers the fastest, easiest and “We strive to offer everyone globally value beyond money through most convenient loans. Now, we bring this vision beyond lending and fastest, easiest and best customer experience” into the whole financial field. To achieve this, we ensure the best possible customer experience, use and develop scalable technology, continue to build unique scoring and utilize world class data” 5 FE-Classification: General\Anyone

Most valued Financial Platform Horizon III Revenue & adding value Most valued Mobile Wallet • by attracting ecosystem partners Growth through start-ups & ventures • Horizon II Most valued Lender • Partnerships and joint ventures • Asset-light model • Horizon I • Simplify & digitize further • Execute growth initiatives • Scalability & impact 11 FE-Classification: General\Anyone

Operating state-of-the art IT architecture – five key winning areas Data analysis 10m applications* Real-time credit 5m scored Digital marketing 24m visits* Applications* risk scoring 1.6m 1.8m payments* approvals* Automated pay- Digital in & pay-out onboarding + Entrepreneurial spirit and calculated risk-taking culture Unique regulatory expertise globally 7 FE-Classification: General\Anyone * In 2018

9M 2019 revenue dynamics follow our product strategy to transform our activities to products with lower a risk profile and higher CLV LOW LOAN AMOUN MOUNT HIGH All products are based on the same principles: Full digital setup and high user convenience, PRODUCT: SOLU LUTI TION: real-time, paperless * LONG SME SME – Business loan offering for small and medium size companies * Primel eloan an Prim imeloan an - strategic product for entering larger mass segments, launched already in * TURITY four countries MATU Credit Limit Credi dit t Limit it and d PlusLoan sLoan continue to be the main components of revenue * PlusLoan an Micro rolo loan an strategically utilized primarily as a product to enter new markets; share is being reduced in established * SHORT markets Microloan HIGH APR APR LOW *size of bubble les s in illu lustr strativ tive relati tion on of revenue share 8 FE-Classification: General\Anyone

Credit Limit and SME representing together 64% of group revenue – up by 5PP compared to 9M 2018 Average Average Revenue 9M Revenues by Active Products Loan Comments Loan Value Share Product (€,000) Markets Term Primeloan 2018 840 +208% y-o-y (incl. Mobile Bank) Primeloan in the ramp-up phase with focus on • €6,768 5.4 years 1.2% 4 (4) 2019 €3,000 – €20,000 / 2.586 product and risk optimization 1 – 10 years 2018 15.540 Business (SMEs) +30% y-o-y 9.2% Up to €250,000 / €13,753 440 days 7 Discontinued in Australia and Poland • 2019 20.160 6 – 24 Month term +26% y-o-y Credit Limit 2018 94.519 54.4% Up to €4,000 / €1,316 N/A 10 2019 118.603 Digital revolving credit line PlusLoan 2018 47.757 22.3% €300 – €5,000 / €793 363 days +2% y-o-y 10 Bangladesh launched with PlusLoan • 2019 48.593 2 – 36 month term Microloan 2018 31.538 Discontinued in Australia, Czech and UK • 12.9% €25 – €1,000 / €220 29 days 10 -11 % y-o-y Revenues and geographies further decreased • 7 – 90 day term 2019 28.143 as per strategy 9 FE-Classification: General\Anyone

Serving underbanked small businesses in Europe Our business activities with financial and lending solutions: Fast, easy, digital and anytime access to financial services Establishing a European FinTech player serving Our vision small businesses with funding solutions EUR 400bn European wide funding gap for SME* ▪ Our market potential 24.5m SME in Europe* ▪ 57% GDP contribution from SME* ▪ *Source: 2018 SBA fact sheet, The European Commission Directorate-General for Internal Market, Industry, Entrepreneurship and SMEs (DG GROW) produces the SBA fact sheets as part of the SME Performance Review (SPR), its main vehicle for economic analysis of SME issues. 10 FE-Classification: General\Anyone

Revenue performance (EUR) 25 21.0 +60% 20 +205% Business lending: established in 2016 13.1 15 Seven markets FI, SE, DK, NL, UK, CZ, LT 10 4.3 Loan Amount + EUR 2K - 250K (Avg. c. EUR 13K); 5 Terms 6 – 24 months (Avg. c. 15) 0 2016 2017 2018 20.2 Average no Average Annual Average Time in 69% 20 of Employees Revenue Business 15.5 CAGR 15 9.0 10 2.5 5 0 9M 2016 9M 2017 9M 2018 9M 2019 11 FE-Classification: General\Anyone

Proven digital business model with 14 years of profitable growth CAGR Revenue (11-18): 34% • CAGR EBIT (11-18): 40% • Proven Strong asset quality • digital Strong competitive position business model 14 years learning curve in key winning and complex areas • Customer-centric organization; Knowing the needs of customers and • delivering real-time Operations in 23 countries • Strong competitive Full EU-banking licence • postition Strong competitive position Multiple growth options 14 years learning curve in key winning and complex areas • Scale SME & Primeloan • Customer-centric organization; Knowing the needs of customers • New product innovations & further financial services • and delivering real-time Multiple growth Increasing market share in existing operations • options Operations in 25 countries • Merging digital lending and mobile wallet Asset-light • Full EU-banking license • & platform Partners and Joint Ventures globally • model Asset-light & platform model E.g. off-balance sheet strategies • Shift towards a platform-based model by connecting our technology to • partners over time FE-Classification: General\Anyone

▪ Revenue growth at 14.7%, main growth drivers Credit Limit and EUR, 000 9M 2019 9M 2018* % Change Business Lending Revenue 218,086 190,194 +14.7% ▪ Solid profit growth driven by scale effects and cost discipline: Impairment of loans (78,945) (65,400) +20.7% EBIT +31.8 %, EBT +43.7% y-o-y (33,162) (32,919) Personnel expenses +0.7% ▪ Cost discipline at all major expense items Selling & marketing expenses (29,686) (30,396) -2.3% Personnel expenses flat y-o-y, other operating expenses • Other operating expenses (20,433) (22,014) -7.2% decreased by EUR 1.6m EBIT 33,511 25,42 429 +31.8% Increased marketing efficiency: Selling & marketing • expenses are slightly down by -2.3% while revenues were Net financial costs (13,818) (11,723) +17.9% up by +14.7% EBT 19,69 693 13,70 706 +43.7% ▪ Net finanical cost are up by +2.1m due to bond issue in 2019 (2,953) (2,055) Income tax +43.7% ▪ Decreasing impairmants over revenues q-o-q Net profit 16,740 11,650 +43.7% Earning per share, basic (EUR) 0.78 0.54 +44.4% Earning per share, diluted (EUR) 0.78 0.54 +44.4% Only major expense items are shown *restated 14 FE-Classification: General\Anyone