Slide 1: Conference Call – 9 Months 2015
Ferratum Oyj CONFERENCE CALL – 9 Months 2015 November 12, 2015 / Jorma Jokela and Dr. Clemens Krause
Slide 2: Important Notice
Important Notice 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
Slide 3: Our Vision - Leading Mobile Bank
Our Vision - Leading Mobile Bank Total user accounts inm Leading mobile bank Our Values: Professional... Profitable... j Regulatory bankin Innovative... gulatory 9 A environment - we Ethical... 5 .. in every country e and with all customer =i Globalisation 3 Se Mobile concept o , a 2005 2006 2007 20
Slide 4: Credit and Payment Products Serve Different Consumer Requirements
Credit and Payment Products Serve Different Consumer Requirements Loan size (in €) € 50,000 Ferratum Business ~ £2,000 - € 50,000 6-2 months € 2,000 PlusLoans € 1,500 apa a €300.- € 3, 2-36 months Microloans One-time Installments Revolving Installments Type of product Big data scoring Product Scalab
Slide 5: Review First 9 Months 2015
Review First 9 Months 2015 • Ferratum Group further emphasized and accelerated its efforts to execute its growth strategy: • 9M revenues +60.2% to EUR 79.2 million already outperform level of full fiscal year 2014; revenue growth on quarterly basis: Q3 2015 +58.0% to EUR 29.4 million • Adjusted EBIT
Slide 6: Convincing Growth Story Delivered
Convincing Growth Story Delivered Revenues (€ k) Operating profit - EBIT (€ k) go 8,466 9M 2014 9M 2015 Profit before income tax — EBT (€ k) 9,884" 9M 2014 Profit for the period (€ k) 9M 2014 Leading mobile bank 12,701" 8,757" Ferratum” More than money
Slide 7: Clear Growth Strategy Focused
Clear Growth Strategy Focused Geographic expansion portfolio Leading mobile bank (é) Ferratum” More than money
Slide 8: Strategy Implementation - Our Milestones in 2015 until now
Strategy Implementation - Our Milestones in 2015 until now PO | Norway Usting in the | Business launch Ferratum Business Prime Standard | under EU banking | Launch of Ferratum Business (Regulated Market) | 'ticance small business at the Frankfurt | lending in Sweden Saari Ts ST Stock Exchange ‘i bus
Slide 9: Product Portfolio and Country Diversification
Product Portfolio and Country Diversification Approximate Approximate Revenue Split Revenue Split 9M 2014 9M 2015 Revenue structure by products in 9M 2015 Ferratumn Business > Currently active in: . 2 markets (SME lending) FerBuy FerBuy Currently active in; 2 markets CreditLimit Credit Limit* Curren
Slide 10: Mobile Banking Platform
Mobile Banking Platfor » Mobile Bank project to be la + Launches in further countri => PR/ marketing and fu are most important stra customer service + Consolidation of CUSTOMER customer's bank i = <= r accounts + Free basic banking servié pies + Instant account opening ij + Deposits f } + Real-time
Slide 11: Mobile Banking App
Mobile Banking App Apply for a range of Ferratum Check your balances and Manage your money wherever Manage your current accounts, products such as Loans, available funds. and whenever it suits you savings and cards easily and Savings Accounts and Term securely Deposit Accounts. My Loars | ‘ 8 000 kr
Slide 12: Significant Revenue and Net Profit Growth
Significant Revenue and Net Profit Growth 9M 2015 before IPO related Inێm 9M 2014 items 9M 2015 |POrelated 9M 2015 items Total Income statement Revenue 49.4 79.2 Other income 0.08 0.05 Administration and (268) (417) operating expenses Impairments of loans (14.2) (24.8) EBIT 8.5 12.7 Net financial c
Slide 13: Continuous Significant Revenue Growth on Quarterly Basis
Continuous Significant Revenue Growth on Quarterly Basis Revenues (in EUR million) 23.0 26.8 294 ge Sy 18.6 Q1 2014 Q1 2015 Q2 2014 Q2 2015 Leading mobile bank Q3 2014 Q3 2015 Ferratum” More than money
Slide 14: Solid Balance Sheet Structure: Equity Ratio at 54.5%
Solid Balance Sheet Structure: Equity Ratio at 54.5% as of Sept 30, 2015 In€k 31-Dec-2014 30-Sept-2015 Non-current assets 7,388 8,713 Net receivables 61,529 93,633 Other current assets 2,862 3,501 Cash and cash equivalents 8,026 31,274 Equity and liabilities Equity 21,443 74,669 Non-current liabilit
Slide 15: Cash Position Significantly Increased
Cash Position Significantly Increased In€k 9M2014 9M2015 ; * Strong funding situation Net cash from operating due to IPO net proceeds of activities before movements 6,279 19,978 EUR 46.2 million Ty esauialtia * Cash position increased: Net cash from operatin EUR 31.3 million at the end sdivitiee (5,
Slide 16: Ferratum Oyj Share - Share Price Performance
Ferratum Oyj Share - Share Price Performance February 6, 2015 - November 6, 2015 ® Ferratum Oyj MM SDAX Indexed: 100 = Xetra closing price on February 6, 2015 MM “eal Yay Mar.2015 Apr.2015 May2015 June 2015 July 2015 Aug.2015 Sep.2015 Oct.2015 Nov, 2015 % 145 140 135 130 125 120 115 110 105 100 Lead
Slide 17: Investors Showing Great Confidence in Sustainable Growth Strategy
Investors Showing Great Confidence in Sustainable Growth Strategy Shareholder Structure Financial Calendar November 23/24, 2015 German Equity Forum 2015 Geneva European Midcap December 9/10, 2015 Event2015 ————— financial figures 2015. ; ; March 24, 2016 Annual Report 2015 ~ “a ~ Fenn Annual General
Slide 18: Q&A Session
Q&A Session Leading mobile bank Ferratum” More than money
Slide 19: 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