FERRATUM OYJ : Exchange offer

Ferratum Capital Gemany GmbH: Exchange offer

Helsinki, 8 May 2018 - Ferratum Oyj (ISIN FI4000106299, WKN A1W9NS) announced that its subsidiary Ferratum Capital Germany GmbH invites the holders of its EUR 25,000,000 8.00% Bond 2013/2018 (ISIN DE000A1X3VZ3) and its EUR 20,000,000 4.00% Bond 2017/2018 (ISIN DE000A2GS104) to exchange their bonds for new bonds to be issued by Ferratum Capital Germany GmbH under the up to EUR 100,000,000 Floating Rate Bond due 2022 consisting of up to 100,000 bonds in bearer form, all ranking pari passu, and each with a nominal value of EUR 1,000. Interest payments shall be made on a quarterly basis. The interest rate for each interest period shall be the applicable 3 month EURIBOR plus a margin of at least 4.50% (450 basis points). The margin shall be determined by way of bookbuilding. In the event that the 3 month EURIBOR for any interest period is less than 0%, the interest rate for the relevant interest period shall be equal to the margin.

Holders of the Bond 2013/2018 and/or of the Bond 2017/2018 wishing to participate in the Exchange Offer shall submit their offer in writing to the relevant custodian until 17 May 2018, 6:00 pm CEST. The conditions and restrictions of the exchange offer are available on the website of Ferratum (www.ferratumgroup.com).

No securities prospectus will be prepared and published in connection with the issue of the Bond due 2022 and the exchange offer. The offer is solely based on section 3 para 2 no 3 German Securities Prospectus Act (Wertpapierprospektgesetz) or corresponding provisions applicable in other EU member states."

About Ferratum Group:

Ferratum Group is an international provider of mobile banking and digital consumer and small business loans, distributed and managed by mobile devices. Founded in 2005 and headquartered in Helsinki, Finland, Ferratum has expanded rapidly to operate in 25 countries across Europe, Africa, South and North America and the Asia-Pacific region.

As a pioneer in digital and mobile financial services technology, Ferratum is at the forefront of the digital banking revolution. Ferratum's mobile bank, launched in 2016, is an innovative mobile banking platform offering a range of banking services, including real time digital payments and transfers, within a single app. It is currently available in five European markets. Led by its founder, Jorma Jokela, Ferratum has approximately 1.9 million active and former customers who have an account or have been granted one or more loans in the past (as at 31 December 2017), of which over 780,000 customers have an open Mobile Bank account or an active loan balance in the last 12 months.