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Ferratum Summer Barometer 2016

Ferratum Group
Press Release

Helsinki, June 20 2016

FOR IMMEDIATE RELEASE

Europes largest consumer survey:

SUMMER HOLIDAY BUDGETS ARE RISING

The European economy is recovering and Europeans are making the most of it by spending
more on their summer holidays than previous years.

Up to 79% of middle class European households plan to spend the same amount as last year or more during
their summer holidays. Thats a 7% increase from last year. The evidence comes from Ferratum Groups annual
Summer Holiday Barometer survey - that this year polled 17,600 households across 19 European countries.

In relation to household disposable income, Germans are planning to spend more than anyone else in
Europe (71%). Surprisingly, some of Europes smallest economies (by GDP per capita) like Bulgaria (65%) and
Romania (57%) are following Germanys example.

In France and Czech Republic, middle class households are spending more than half their disposable income
on holiday spending. In Britain, the Nordic countries and The Netherlands, holiday spending is relatively low. In
the middle ground of average holiday spending is Sweden with 43% - close to the total average of all 19
European countries surveyed.

This is largest European consumer survey carried out to date by Ferratum Group - a Finnish pioneer in Financial
Technology (Fintech). 17,600 households across 19 European and Commonwealth countries took part in the survey
of summer spending habits.

Most money gets spent at home, not abroad

Almost 20% of European summer spending goes on domestic travel, which is especially popular in Nordic
countries, The Baltics and Eastern Europe. While Brits and Nordics are happy to pay over 100 EUR per night
in a hotel, the rest of Europe are more prudent. Home letting service AirBnB is most popular among Czech,
Bulgarian, Slovakian, Romanian and Dutch holidaymakers. Summer fashion is the second largest holiday expense
throughout Europe. In France, Spain and Holland, about one fifth of holiday spending goes on clothes. The third
biggest expense is food and drink, with Britain and Poland spending the most in bars and restaurants on holiday.

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Banking is mobile during European holidays - Fastest Bank in the World launched in Sweden

The number of people using smartphones for private banking is expected to reach 1 billion globally by 2017.
FerratumBank launched its mobile banking platform in Sweden, where according to the Holiday Barometer
survey, mobile banking service usage is highest among the Europeans. Over 90% of Swedish households are
using mobile devices to take care of their daily transactions during the holiday season.

With FerratumBank an online account can be opened in just five minutes. Customers are able to open up to 14
current accounts in the most common European currencies, and transfer money between them in real-time. Since
a FerratumBank MasterCard debits accounts in the local currency, customers can avoid exchange rate fees set by
traditional banks and credit card companies. In addition, FerratumBank offers many mobile loans and term
deposits of up to 1.25 % interest.

FerratumBanks mobile platform will launch in other European countries during 2016. This means
customers will be able to make real-time transactions throughout the European Economic Area for the first
time in the history of European banking.

ENDS

Contact:

Ville Paija
ville.paija@ferratumgoup.com
Tel. + 358 40 594 1255
Advertising & Public Relations
www.ferratumgroup.com

Attachments:

Ferratum Summer Holiday Barometer 2016

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One Year Anniversary of SME Lending

Ferratum Group
Press Release

Helsinki, 7 July 2016

FOR IMMEDIATE RELEASE

FERRATUM CELEBRATES THE FIRST YEAR ANNIVERSARY OF ITS BUSINESS LOANS

After last years successful launch of its SME (small and medium-sized enterprises) lending in Finland and
Sweden, Ferratum has been able to introduce the product in three additional countries during 2016. The
introduction of SME lending in Lithuania, Denmark and the Netherlands helps growth of the new division
and further diversification of the Ferratum Group product portfolio.

Jorma Jokela, founder and CEO of Ferratum, says of the recent developments: It is very satisfying to
see the continuous expansion of Ferratum Business during the first year of its existence. With the recent
acquisition of FCB Firmen-Credit Bank in Germany, we will establish a second EU credit institution in
addition to FerratumBank in Malta. It will in the future serve as a hub for our international lending activities
for small and medium-sized companies in Europe, and further grow our business with SME loans. We are
planning to launch Ferratum Business in additional countries by the end of the year.

Ferratum Business is targeted to small and medium-sized enterprises with a strong track record. Loans
range from 2,000 to 50,000 EUR and have a maturity of six to twelve months.

Our product is targeted to small businesses with revenues in between 75,000 to one million EUR. This
segment is the most neglected by conventional banks, despite the fact that they make up the biggest share
of business in most countries, Scott Donnelly, Director of Business Lending at Ferratum Group, explains.

Business Loans are obtainable by means of a simple and short application process taking only five minutes.
They are paid out within one day of a completed application and without collateral requirements.

Using our streamlined application process and experience with fast decision algorithms, we are able to
offer a level of convenience and speed that cannot be matched by traditional business financing options,
Donnelly continues.

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About Ferratum Group:

The Finnish Ferratum Group is a pioneer of mobile consumer lending and in the area of financial technology
(Fintech). The company has grown rapidly since its inception in 2005: Ferratum has 1.3 million customers
with at least one credit granted. Overall, there is a database of 3.9 million user accounts. Ferratum operates
in 23 countries worldwide. The company recently launched its mobile banking services, FerratumBank, in
Sweden.

Contacts:

Ferratum Group
Scott Donnelly
Director of Business Lending
T: +46 728 53 5882
M: scott.donnelly@ferratum.com

cometis AG
Henryk Deter I Maximilian Breuer
T: +49 611 20 58 55-22
F: +49 611 20 58 55-66
M: breuer@cometis.de

ENDS
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Ferratum Canada Launch

Ferratum Group
Press Release

Helsinki/Berlin, 30 July 2015

FOR IMMEDIATE RELEASE

FERRATUM GROUP: FERRATUM STARTS OPERATIONS IN CANADA

Ferratum Group, an international provider of mobile consumer loans, launched its business in Canada
today. The Canadian market entry is part of Ferratums growth strategy that calls for operations to be
expanded to a total of 30 countries in the mid-term. With the launch of Ferratums services in Canada, the
company is currently active in 20 countries worldwide.

Jorma Jokela, founder and CEO of Ferratum Group, says:

With the market entry in Canada, we have taken the next step and are consistently continuing our
growth strategy. At the same time, we are also preparing to launch our business in Italy, France, Norway
and Turkey. We are excited about being able to operate in Canada where we see attractive market
potential.

ENDS

About Ferratum Group:

The Finnish Ferratum Group is a pioneer of mobile consumer lending and in the area of financial technology
(Fintech). The company has grown rapidly since its inception in 2005: Ferratum has 1.3 million customers
with at least one credit granted. Overall, there is a database of 3.9 million user accounts. Ferratum operates
in 23 countries worldwide. The company recently launched its mobile banking services, FerratumBank, in
Sweden.

Contacts:

Ferratum Group
Scott Donnelly
Director of Business Lending
T: +46 728 53 5882
M: scott.donnelly@ferratum.com

cometis AG
Henryk Deter I Maximilian Breuer
T: +49 611 20 58 55-22
F: +49 611 20 58 55-66
M: breuer@cometis.de
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Ferratum launches new products in Germany

Ferratum Group
Press Release

Helsinki / Berlin, January 13 2016

FOR IMMEDIATE RELEASE

FERRATUM GROUP: FERRATUM TO EXPAND PRODUCT RANGE IN GERMANY TO

INCLUDE DEPOSIT PRODUCTS

Ferratum group (ISIN: Fl4000106299, WKN:A1W9NS), a pioneer in the field of Financial Technology
(Fintech), and an international provider of mobile consumer and small business loans, from today will
also offer its customers in Germany deposit products through its subsidiary FerratumBank PLC. These
will include mainly savings and term deposits with attractive interest rates.

Ferratum already successfully introduced its deposit products to the market in Q4 2015, by launching the
Mobile Bank in Sweden. With its expansion into Germany, these products will now be available to German
customers at attractive rates online at www.ferratumbank.de.

Ferratum will be offering 0.8% annual interest earning on savings deposits of up to EUR 100,000. Term
deposits with a maturity of 12 months will earn interest of 1.25% per year.
With this new range of products for German savers, Ferratum is pleased to be in a position to offer a
wider choice to individuals seeking a secure return on their capital. Thanks to the EUs Deposit Guarantee
Scheme, deposits by individuals are protected up to a maximum of EUR 100,000.

Jorma Jokela, CEO and founder of Ferratum Group, views the product extension to be the logical step in
achieving further growth:
By introducing conventional deposit products in Germany, we are opening up additional opportunities
in a very liquid market. Sweden and Germany are just the beginning. Over the course of 2016, we
intend to offer these traditional banking products in other European countries as well.

At the same time, Ferratum is receiving additional capital from deposit products that can generate further
growth in earnings through cross-product use, such as in the lending business.

This product extension also represents an important milestone for a company on the way to becoming the
mobile bank of the future. For instance, Ferratum is planning to enhance its own mobile banking platform
during the year to include other products such as free current accounts, MasterCard services and a cutting-
edge mobile app.

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Jorma Jokela is optimistic:

We are confident that our platform can revolutionize the private banking business. Customers will be
able to access their current accounts, savings deposits and bank cards in real time in an easy, secure
and mobile manner, regardless of the currency. National boundaries in banking are thus a thing of the
past. This will eliminate exchange costs and place the way that people do their banking on an entirely
new foundation. Our Mobile Bank will offer customers real added value.

ENDS

About Ferratum Group:

The Finnish Ferratum Group, a pioneer in mobile consumer loans throughout Europe, offers short-term
personal loans.. Ferratums customers can utilize mobile devices or the web to apply for consumer credit
in amounts between EUR 25 and EUR 3,000. Moreover, Ferratum offers successful small businesses
installment loans with a term of 6-12 months. Managed by its founder Jorma Jokela, Ferratum has
expanded rapidly since it was founded in 2005: Ferratum has 1.2 million active and former customers who
have been granted one or more loans in the past, and 3.5 million total user accounts in its database (as of
30 September 2015). Ferratum is represented in 23 markets (including Mexico]. At the end of September
2015, Ferratum Group employed 501 people, compared with 383 at year-end 2014.

Contacts:

Ferratum Group
Dr. Clemens Krause, CFO
T: +49 30 88715308
F: +49 30 88715309
M: clemens.krause@ferratum.com

Ferratum Group
Paul Wasastjerna
Head of Investor Relations
T: +358 40 7248247
F: +358 20 7 41 1614
M: paul.wasastjerna@ferratum.com

cometis AG
Henryk Deter / Mariana Kuhn
T: +49 611 20 58 55-61
F: +49 611 20 58 55-66
M: kuhn@cometis.de
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FerratumBank EUR 25 Million Bond

Ferratum Group
Press Release

Malta, 12 December 2016

FOR IMMEDIATE RELEASE

FERRATUM GROUP: FERRATUMBANK PLC SUCCESSFULLY

PLACES A EUR 25 MILLION SENIOR UNSECURED BOND

Successful refinancing of EUR 20 million bond of FerratumBank Plc

Additional capital raised will fund further business growth
New bond maturing in March 2020 runs with a floating rate coupon of 3 months Euribor,
plus a margin of 6.25%

Ferratum Oyj (ISIN: Fl4000106299, WKN: A 1W9NS) is pleased to announce that FerratumBank Plc, the
Maltese banking subsidiary of Ferratum Oyj, has successfully concluded a new EUR 25 million bond issue
following a European bookbuilding process run by Pareto Securities and ICF Bank. The bond issuance was
placed as part of a new EUR 60 million bond issuance program of FerratumBank Plc.

The proceeds from the new bond will principally be used for refinancing of the EUR 20 million bond issued
by FerratumBank Plc in 2015, which matures on 21 January 2017. The additional funds raised shall be used
for further business growth.

The new senior unsecured bond has a coupon of 3 months Euribor plus 6.25% p.a. and matures on 15
March 2020. The settlement of the new bond is expected to take place on 15 December 2016. The bond will
be listed on the European Wholesale Securities Market (EWSM) and colisted on both the Frankfurt Stock
Exchange (Open Market) and Nasdaq Stockholm.

Pareto Securities acted as lead manager and sole bookrunner and ICF Bank acted as co-lead manager in
the transaction. By focusing on investors in the Nordics, Ferratum successfully further broadens its investor
base.

About Ferratum Group:

The Finnish Ferratum Group, a pioneer for mobile consumer loans, offers short-term consumer loans
for private customers. Ferratums customers can utilize digital media to apply for consumer credit in
amounts varying between EUR 25 and EUR 5,000. Moreover, Ferratum offers successful small businesses
installment loans with a term of six to twelve months. Managed by its founder Jorma Jokela, Ferratum
has expanded rapidly since it was founded in 2005: Ferratum has more than 1.5 million active and former
customers who have been granted one or more loans in the past and 4.3 million total user accounts in its
database (as of 30 September 2016). Ferratum is represented in 23 markets.

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Contacts:

Ferratum Group
Dr. Clemens Krause
CFO
T: +49 30 88715308
F: +49 30 88715309
M: clemens.krause@ferratum.com

Ferratum Group
Paul Wasastjerna
Head of Investor Relations
T: +358 40 724824 7
F: +358 20 7 41 1614
M: paul.wasastjerna@ferratum.com

cometis AG
Henryk Deter / Claudius Krause T: +49 611 20 58
55-28 F: +49 611 20 58 55-66
M: krause@cometis.de

ENDS