Slide 1: Conference Call – Half-Year 2015
Ferratum Oyj CONFERENCE CALL – Half-Year 2015 August 13, 2015 / Jorma Jokela and Dr. Clemens Krause
Slide 2: Our Vision - Leading Mobile Bank
Our Vision - Leading Mobile Bank Total user accounts in m Our Values: Professional... Profitable... Regulatory banking Innovative... P environment Ethical... ... in every country and with all customer Globalisation WJa}-plW Ul saLyUNOD O€ Mobile concept | 2005 | 2006 | 2007 | 2008 2009 | 2010) 2011
Slide 3: Review First Half Year 2015
Review First Half Year 2015 • Successful first half of 2015: Revenues +61.5% to EUR 49.8 million; revenue growth in the second quarter with 65.4% even stronger – Q2 2015: EUR 26.8 million vs. Q2 2014: EUR 16.2 million. • Adjusted EBIT +27.5% to EUR 6.8 million with EBIT margin at 13.6% • Customer ba
Slide 4: Convincing Growth Story Delivered
Convincing Growth Story Delivered 49,796 4 Pe 6,777* Se wa 3 Fe 5,317 30,832 H1 2014 H1 2015 H1 2014 H1 2015 5,658* 5,038* ge we Be x 3,014 H1 2014 H1 2015 H1 2014 H1 2015 * Adjusted for the non-recurrent costs of the IPO (before IPO related items) Leading mobile bank Ferratum” More than money to ev
Slide 5: Clear Growth Strategy Focused
Clear Growth Strategy Focused Leading mobile bank 1 Geographic expansion Sustainab Development Development in leading Mobile Bank Ferratum™ More than money
Slide 6: Strategy Implementation - Our Milestones in 2015 until now
Strategy Implementation - Our Milestones in 2015 until now Further preparation of mobile bank project to be launched in 2015 IPO Listing in the Prime Standard (Regulated Market) at the Frankfurt Stock Exchange Credit Limit Business launched in Denmark and Sweden Leading mobile bank Canada Business l
Slide 7: Product Portfolio and Country Diversification
Product Portfolio and Country Diversification Approximate Approximate Revenue Split Revenue Split H1 2014 H1 2015 Revenue structure by products in H1 2015 F tly active in: Ferratum Business > iy ty (SME lending) FerBuy FerBuy Currently active in: 2 markets Credit Limit Credit Limit* € 15.5 million C
Slide 8: Mobile Banking Platform - Launching
Mobile Banking Platform - Launchinc + Free basic banking service + Instant account opening - Deposits + Real-time loans Leading mobile bank + 24/7 customer service + Consolidation of customer's bank accounts ANS 6 >» + Multi-language + Multi-currency - Big Data CRM + Attract deposits for more favour
Slide 9: Significant Revenue and Net Profit Growth
Significant Revenue and Net Profit Growth H1 2015 bef H1 2015 IPO related IPOrelated H1 2015 Inێm H1 2014 items ae Total Income statement Revenue 30.8 49.8 49.8 Other income 0.3 0.01 0.01 Administration and operating expenses (16.3) (26.6) (0.5) (27.1) Impairments of loans (9.5) (16.4) (16.4) EBIT
Slide 10: Continuous Revenue Growth with Accelerating Dynamic
Continuous Revenue Growth with Accelerating Dynamic €m x0 - nll +65.4 26.8 * = a x 457.2% 211 20 18.6 16.2 1 147 } : 5 0 Q1 2014 Q2 2014 Q3 2014 Q4 2014 Q1 2015 Q2 2015 Accelerating growth rate: * CAGR: 12.0% revenue growth from Q1 2014 to Q1 2015 * CAGR: 13.4% revenue growth from Q2 2014 to Q2 2015
Slide 11: Optimize Corporate Funding: EWSM Bond Issue
Optimize Corporate Funding: EWSM Bond Issue Equity & Liabilities (in € k) 31-Dec-2014 31-Mar-2015 Contains * B2 Bond Poland 5/2016 * Germand Bond 10/2018 > no changes considered Equity Elements €2.5m:B1 Bond Poland6/2015 = repaid 6/2015 €5 m:,,Schuldschein” > cancelled 8/2015 Non current 29,163 €7.5
Slide 12: Solid Balance Sheet Structure: Equity Ratio at 60.5% as of June 30, 2015
Solid Balance Sheet Structure: Equity Ratio at 60.5% as of June 30, 2015 In€k 31-Dec-2014 30-Jun-2015 Non-current assets 7,388 8,127 Net receivables 61,529 80,960 Other current assets 2,862 4,373 Cash and cash equivalents 8,026 23,464 Equity and liabilities Equity 21,443 70,691 Non-current liabiliti
Slide 13: Cash Position Significantly Increased
Cash Position Significantly Increased In€k H1 2014 H1 2015 : * Strong funding situation Net cash from operating due to IPO net proceeds of activities before movements 1,626 12,925 EUR 46.2 million in portfolio * Cash position increased: Net cash from operatin EUR 23.5 million at the end activities .
Slide 14: Ferratum Oyj Share - Share Price Performance
Ferratum Oyj Share - Share Price Performance February 6, 2015 - August 6, 2015 @ Ferratum Oyj m™ SDAX Indexed: 100 = Xetra closing price on February 6, 2015 % 145 140 oy vo WN ava r ° pv Is fey 120 | N ~~ ) mi 115 \/ res AM VY 100 yy Mar. 2015 Apr. 2015 May 2015 June 2015 July 2015 Aug. 2015 Leading
Slide 15: Investors Showing Great Confidence in Sustainable Growth Strategy
Investors Showing Great Confidence in Sustainable Growth Strategy Shareholder structure Carmignac beyond 5% * Carmignac bought 1,012,889 shares from AS Pontos Capital and its subsidiary (Pontos Companies), exceeding the threshold of 5% and now amounting to Mi Jorma Jokela”: 57.3% 1,988,811 shares. C
Slide 16: Q&A Session
Q&A Session Leading mobile bank Ferratum” More than money
Slide 17: Contact
Contact Investor Relations Headquarters Ferratum Group Ferratum Group Dr. Clemens Krause Ratamestarinkatu 11 A CFO 00520 Helsinki, Finnland Telephone: +49 (0) 30 88715308 Telephone: +358 20 741 1611 Fax: +49 (0) 30 88715309 Fax: +358 20 741 1612 e-Mail: clemens.krause@ferratum.com Ferratum Group Pau