Ferratum Oyj - Company Announcement

FERRATUM OYJ: Ferratum considers refinancing options for maturing bond

Helsinki/Berlin,  November  21, 2016 -  Ferratum  Oyj  (ISIN: FI4000106299, WKN:
A1W9NS),  a pioneer  in the  field of  financial technology and an international
provider  of  mobile  banking  services,  is  currently  evaluating  refinancing
options  for the EUR 20 million  bond of Ferratum Bank  Plc, the Maltese banking
subsidiary  of Ferratum Oyj, issued in  2015 which matures on January 21, 2017.
Therefore,  Ferratum  has  mandated  Pareto  Securities  and ICF Bank to arrange
European  investor meetings and a  new bond issue may  follow, subject to market
conditions.

Ferratum  has continued its fast growth in 2016 and was able to achieve a steady
increase  of its credit portfolio  quality. Ferratum's management sees excellent
growth  opportunities also for  the upcoming years.  Consequently, the volume of
the  potential  bond  issue  could,  subject  to favorable market conditions, be
larger  than the bond  maturing in January  2017 to support the further business
expansion of Ferratum.

In total, the Ferratum Group currently has four bonds outstanding, which were
issued by Ferratum Bank Plc, Ferratum Capital Germany and Ferratum Capital
Poland, all subsidiaries of Ferratum Oyj, respectively. The rating of Ferratum
Oyj, the guarantor of all existing bonds, was upgraded to BBB+ by Creditreform
Rating AG in June 2016.


About Ferratum Group:

The  Finnish Ferratum Group, a pioneer  for mobile consumer loans, offers short-
term  consumer  loans  for  private  customers. Ferratum's customers can utilize
digital media to apply for consumer credit in amounts varying between EUR 25 and
EUR  3,000. 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.




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 20 741 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




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