Ferratum Oyj - Company Announcement

FERRATUM OYJ: Ferratum publishes its guidance for 2016 and 2017

Ferratum publishes its guidance for 2016 and 2017



Helsinki,  September 6, 2016 -  Ferratum Oyj  (ISIN: FI4000106299,  WKN: A1W9NS)
quantifies   its   expectations   concerning   the  company's  further  business
development and issues guidance for the fiscal years 2016 and 2017. The Board of
Directors  of Ferratum Oyj estimates revenues  for the fiscal year 2016 to range
between  EUR 150 million and  EUR 160 million and  for 2017 to range between EUR
200 and  EUR 225 million.  The operative  profitability margin  (EBIT margin) is
expected to range between 13% and 16% for both fiscal years.



Ferratum Oyj bases the given 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.
  * Ferratum Business (SME) continues to grow as market share in the 5 existing
    markets is small and will increase. Ferratum plans to introduce the product
    in additional markets.
  * The Ferratum Mobile Bank is to be introduced in additional countries and
    thus to generate new customers, improve customer loyalty, stimulate cross
    selling, increase deposit volume and to diversify 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.


Disclaimer
All of the estimates presented herein are based on the Company's current
opinion. The information presented above may include forward-looking statements.
These statements are not a guarantee of the development of the Company's result
of operations and financial position in the future, and the Company'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.

END OF THE AD-HOC ANNOUNCEMENT



About Ferratum Group:

The  Finnish  Ferratum  Group,  a  pioneer  for mobile consumer loans in Europe,
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
instalment  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 1.4 million  active and  former customers who have been
granted one or more loans in the past and 4.1 million total user accounts in its
database (as of 30 June 2016). Ferratum is represented in 23 markets.


Contact:
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 I Claudius Krause
T: +49 611 20 58 55-28
F: +49 611 20 58 55-66
M: krause@cometis.de




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