Ferratum Oyj - Other information disclosed according to the rules of the Exchange

FERRATUM OYJ: Ferratum publishes revenue and margin guidance for 2018

Ferratum publishes revenue and margin guidance for 2018
Helsinki,  10 January  2018 -  The  Board  of  Directors  of Ferratum Oyj (ISIN:
FI4000106299,  WKN: A1W9NS)  is pleased  to publish  its expectations concerning
Ferratum  Group's  further  business  development  and performance for the 2018
fiscal year.

The  Board estimates  revenues for  the fiscal  year 2018 will range between EUR
280 million  and EUR 310 million, with the operating profit margin (EBIT margin)
expected to be within the range of 13% and 16%.

Ferratum Oyj bases this guidance on certain assumptions, including:

  * Consumer credit volumes continue to grow, exceeding the market average,
    based on new customers, continued diversification of consumer lending
    products and growth in new markets
  * Moderate expectations on the 2018 contribution of new revenue streams from
    partnerships, mobile bank innovations
  * Ferratum Business (SME) continues to grow as market share in the 6 existing
    markets is small and expected to increase. Ferratum also plans to introduce
    Ferratum Business in additional markets
  * Ferratum Mobile Bank is to be introduced in additional countries and will
    generate new customers, increased customer loyalty, cross-selling
    opportunities, increased deposit volume and diversified deposit currencies
  * No material negative changes in the consumer and business credit markets
  * Stable capital market conditions
  * No unexpected significant new regulatory challenges or changes
  * The application of IFRS 9, which is effective from 1 January 2018 will have
    no material impact on credit losses in the Group's Consolidated Income
    Statement

Disclaimer

All  of the estimates presented herein are based on the Group's current opinion.
The  information presented  above may  include forward-looking statements. These
statements  are not  a guarantee  of the  development of  the Group's  result of
operations  and financial position in the  future, and the Group's actual result
of  operations  and  financial  position  could  differ  significantly  from any
information  expressly or indirectly presented in forward-looking statements due
to  numerous factors.  Investors are  advised to  take a  qualified view  of the
aforementioned statements.




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,  Afrika, 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 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 1.8 million active and former customers
who have been granted one or more loans in the past (as at 30 September 2017).

Ferratum Group is listed on the Prime Standard of Frankfurt Stock Exchange under
symbol 'FRU.' For more information, visit www.ferratumgroup.com.

Contacts:

 Ferratum Group                   Media enquiries:
 Paul Wasastjerna                 Smithfield, A Daniel J Edelman Company
 Head of Investor Relations       Alex Simmons | Brett Jacobs
 T: +358 40 7248247               T: +44 20 3047 2543 | +44 20 3047 2537
 F: +358 20 741 1614              E: asimmons@smithfieldgroup.com
 E: paul.wasastjerna@ferratum.com E: bjacobs@smithfieldgroup.com




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