CORPORATE PRESENTATIONFinTech Group AG | March 2019

Financial Services TechnologiesWe got IT

Operational key figuresand guidance 2019e

Number of

Customers

Number of exchanges

and OTC-partners

Executed

Trades

Executed

Trade Volume

Securities

under Custody

Customer

Cash Deposits

68 6.6 m EUR > 40 bn EUR 12.1 bn EUR 931 m

Operational key figures at a glance*

3THE FINTECH GROUP

Credit Book

(collateralized)

Average Interest Rate

(Loan Book)

TIER-1

Capital

Return on Equity p.a.

(before Tax 2017)

Offices Employees

EUR 195 m 4.5 % p.a. EUR 54.1 m 25 % 9 481

* As of 30.06.2018

Berlin

Zwickau

Willich

Andernach

Frankfurt a.M. (HQ)

Kulmbach

Dusseldorf

Vienna

275 k > 50

B2C B2B

Neuss

4THE FINTECH GROUP

Our guidance 2019e

138 EUR million revenues

27 % EBITDA Margin (post growth investments)(34 % EBITDA Margin / pre growth investments)

22.7

75.2

95.0

107.0

>120.0

>138.0

-8.0

19.7

30.6 32.1

>40.0 > 27%

-7.7 -2.2

12.316.8

>24.0

2016a 2017a 2018e 2019e

Net Sales

EBITDA

Net Profit

5THE FINTECH GROUP

Track record and guidance 2019e

Acquisition of service provider XCOM/biw to control cost structure and set-up tech in-house expertise

Implemented high class management team and subsequent restructuring actions

Sold CeFDex to Commerzbank to reduce risk structure (strategic partnership)

Restructuring of group operations and implementation of IFRS Reporting

Boost of organic growth of existing B2C business

EUR million

Implement technology based lending and redeveloping treasury with the potential to generate an additional EUR 10+ million

Improved B2C product portfolio with Morgan Stanley ETP partnership

Reorganisationof Group structure and new segmentation into Fin and Tech units

Increased investor relations activities

Implementing B2B strategy: the standard banking platform for private and specialist banks

o Continue strong growthof number of settled transactions

o International Expansion –flatex goes Europe

FinTech Group - Executive Committee

6THE FINTECH GROUP

Stephan Simmang Jörn Engelmann Frank Niehage Steffen Jentsch Jens Möbitz Muhamad Chahrour Dr. Benon Janos Niklas Helmreich

Co-Head ITChief Technology Officer

CRO flatex Bank CEO FinTech GroupCEO flatex Bank

Co-Head ITMD flatex Bank

Head Back OfficeMD flatex Bank

CFO FinTech GroupMD flatex Bank

Head B2BMD flatex Bank

Head B2CMD flatex Bank

ALL EXCO MEMBERS ARE PART OF THE FOUR-YEAR OPTION PLAN

Business Model

8THE FINTECH GROUP

Key Issues in Banking

Digitisation increases the pressure on integration of customers and processes:

Despite the support of top management, many companies have not developed an overall strategy yet

Start-ups: New competitors in the market lead to a decomposition of the value chain in banking

Business Analytics is gaining importance in sales: More “soft” customer data (from more sources) exploiting the potential of customer data and more effective customisation of products

Cost structures to the test: The majority of banks are reviewing their cost structure -one focus is IT and possible consolidations

Regulatory: The banking supervision’s (ECB, NFSA) demand on the management of banks are increasing (IT security law, MIFID II, etc.)

Growing market demands affect all banks equally. The developed solutions here in the undifferentiated area will help banks to focus on their core competencies in banking

B2C - business model of flatex and ViTrade

9THE FINTECH GROUP

(c75% REVENUE CONTRIBUTION, c35% EBITDA MARGIN)

Self-developed core banking system (FTG:CBS) with outstanding expertise in transaction banking and fully fledge bank with automatised settlement and clearing processes

Fastest growing online brokerage business in Germany and Austria, >280k retail clients doing >12m transactions with notional amount of >EUR 75bn p.a.

Market share of >25% in Germany and >50% in Austria in terms of online brokerage transactions(total est. # of transactions: 50-55m in Germany, 2-3m in Austria)

Most trading-active client pool in the brokerage market(FinTech clients: avg. 40-50 trades p.a. vs. market: avg. 8-12 trades p.a.)

Dedicated brokerage offering with focused marketing strategy minimises operating expenses (cost per client acquisition EUR 100 vs. EUR 300-500 CPA at competitors)

10THE FINTECH GROUP

flatex impressions

Platform

Unlimited trading possibilities with a flat pricing model of EUR 5.90 per transaction –regardless of type of asset (stocks, bonds, ETPs, ETFs etc.) and transaction amount

Competitive technology edge due to self-developed, highly scalable security ordering/ settlement infrastructure ensures sustainable cost leadership with cost per trade (CPT) of currently EUR 1.44

Top notch product offering including equities, bonds, ETPs, ETFs and mutual funds

Market leading ETP offering of Morgan Stanley, Deutsche Bank, Goldman Sachs, UBS, BNP Paribas, HSBC, Vontobel, and other products

Economies of scale: each additional trade reduces cost per trade settlement –doubling the # of transactions reduces CPT by >40%

Trading platform only – no research, recommendation or intelligence – avoiding regulatory administration and costs

Designed by traders for traders

Product

Price

B2C - our competitive edge: the triple „P“

11THE FINTECH GROUP

Growing Number of Brokerage Customers (thousand)

145.5

176.6

212.0

253.8

284.8

FY 2014 FY 2015 FY 2016 FY 2017 10 2018

Total Number of Trades FTG Bank (million)

7.7

10.110.5

11.3

10.6

12.7

FY 2014 FY 2015 FY 2016 FY 2017 10 2018 FY 2018e

B2C - development of brokerage KPIs

12

THE FINTECH GROUP

So

urc

e: F

inTe

ch G

rou

p

So

urc

e: F

inTe

ch G

rou

p

12 % of the tradesrepresenting customers

who are less thana year with FTG

25 % of the tradesrepresenting customers

who are inbetween1-3 years with FTG

13THE FINTECH GROUP

B2C – maturity profile of our trading customers

63 % of the trades representing customerswho are more thanthree years with FTG

Exchange Traded Funds17%

Exchange Traded Products,FX/Commodities/CFD etc.47%

14THE FINTECH GROUP

B2C – split of total number of trades

Shares and Bonds37%

B2C-case study: Morgan Stanley ETP / 1st market disruption

15THE FINTECH GROUP

BANKS…

Market standard in

the past:

90 : 10split

Partnerships today:

50 : 50split

REVENUE POOL

…TRADED BY CLIENTS

Revenue generation forissuing bank through:

• Inherent interestcomponent

• Bid-ask spread

…OFFERED AT FLATEX……ISSUE ETPs…

German ETP market size notional of around EUR 70bn pa - FinTech Group with >15% distribution stake

In the past: product issuing banks kept 90% of the revenue pool - 10% to product distributor

Already 50,000 flatex-select products issued by Morgan Stanley that clients can trade at no cost

ETP Premium Partner Pricing Model / 2nd market disruption

16THE FINTECH GROUP

B2C-volatility is key driver of transactions and revenues

17THE FINTECH GROUP

Volatility has reawakened after reaching 20-year record low in 2017 with significant upside potential - resulting in two consecutive record months Jan and Feb 2018 (+40% transactions compared to same period 2017) with strong revenue effect

04.0

1.2

01

6

04.0

4.2

01

6

04.0

7.2

01

6

04.1

0.2

01

6

04.0

1.2

01

7

04.0

4.2

01

7

04.0

7.2

01

7

04.1

0.2

01

7

04.0

1.2

01

8

04.0

4.2

01

8

04.0

7.2

01

8

04.1

0.2

01

8

04.0

1.2

01

9

Trades /

Total # of clients

FinTech Group AG

VDAX

HIGH CORRELATION BETWEEN MARKET VOLATILITY AND CLIENTS’ ACTIVITY WITH STRONG UPSIDE POTENTIAL

Brexitvote

Trump election

Increase in volatility led to record transaction number of >2 million in Jan/Feb 2018 +40% vs. Jan/Feb 2017

Jan/Feb2018

Italian Budget

18THE FINTECH GROUP

flatex goes international

H1 – 2019e

flatex today

First priority

B2B - fully modular self-developed core banking platform

19THE FINTECH GROUP

(c25% REVENUE CONTRIBUTION, c20% EBITDA MARGIN)

APIs

APIs

OADO

Account/Depot Srv.

ProductionPlatform

Regulatory & SteeringPlatform

Support Platform

SalesPlatform

Layers within the FTG:CBS banking platform Technology

HTML

Objektive-c (iOS)

Java (Android)

REST / SOAP

Entax-BO-ClientOnline branch

Mobile App

Securities Payment Service Cards

HA

Wildfly

Java, Go

C++

SAP ASEDeposit Transaction Service Credit Facilitation Master Data

Wildfly

Java

C++

SAP ASE

ABACUSTicketing Service PortalBatchdata

ArchiveShared Services

PostgreSQL

Oracle

ASCII, XLS / SFTP

FIX / EBICS /SWIFT

CRM / Sales Trading FE

InfoZone / WM

Accounting Controlling Tax Compliance

Regulat. Reporting

(Abacus)Mgmt. Reporting DWH / BI Risk / Liq. Mgmt

B2B - shared services: banking processes and platform

20THE FINTECH GROUP

POSITION FINTECH GROUP’S BANKING PLATFORM AS THE STANDARD PLATFORM FOR PRIVATE AND SPECIALIST BANKS

DATA CENTRES ISO 27001

SEPA SWIFT EXCHANGES …

Application Use Cases

API Layer

FinTech Group PlatformSoftware + Banking

FinTech GroupData centre

Financial System Infrastructure

BanksPayment

InstutionsCorporates

API

…

flatexBrokerFintech

Start-ups

API

FinTech Group Bank

Regulatory Umbrella

BPO

B2B - client excerpt and case studies

21THE FINTECH GROUP

Unique combination of technology and banking know-how enables our clients to build top-class financial products and services

Key partner

FinTech Group AG developed,maintains and runs LOX, the ETP OTC system for Deutsche Bank AG and Commerzbank AG - 3bn price feeds and 50k transactions - per day.

FinTech Group Bank AG were chosen by Equatex - one of the leading European stock option plan administrators with >3bn EUR AuC – to provide banking and custody services; opening 250k accounts in 4 weeks.

FinTech Group was chosen to set-up the technological infrastructure for digital online retail banks in Germany and Austria including providing several respective regulatory banking processes

FinTech Group AG is the central IT service provider for the Federal Association of German Banks, providing key technology platform to run the German Deposit Guarantee Scheme.

Notable clients

Investment case

The ecosystem – unique combination of independent business models

23THE FINTECH GROUP

Increaseinteraction with

and offeringto clients

Access to newproducts and

services

Manifest customerrelationship

Reduce costsper unit

GROWTH

B2BCustomer lifetime:

5-10 years

Highly predictable revenue streams

CAPEX driven

B2CHigh margin business

Transaction driven business

Broad customer base

Leverageself-developedinfrastructure

Continuous development of technology and

platform

Increaseprofitability

and cash flow

Annex

25THE FINTECH GROUP

FinTech Group AG - corporate structure

Tech-Entity

Fin-Entity

FTG Finanz GmbH

100%

100%

26THE FINTECH GROUP

FinTech Group AG - key milestones

1988

Company founded in Langen

2001Development and full BPO provider for pan-European expansion (core bank system FTG:CBS:R1 is born)

2006

Best German online broker goes live

Full white label Retail Bank operations begins (full BPO)

L.O.X. OTC certificate platform developed (limit order system connects DB/Coba flow to 22 pan-European brokers)

Migration of mwb fairtrade from caceis to FinTech Group Bank for order routing and securities settlement (1.4 m trades/year)

Large Austrian bank selected FinTech Group as full BPO for Austrian and German digital expansion

1997

Full BPO IT provider for bankenverband ever since

2009

2015

2017

2010

24.4 %

10.5 %

6.5 %

58.6 %

27THE FINTECH GROUP

FinTech Group AG - shareholder structure*)

*) No. of shares outstanding:

18,955,637

Free Float of 58.6 %, therein:

Management of the Group ~ 7%

GFBK (Entity of

flatex founder

Bernd Förtsch)

Shares outstanding: 18,955,637

Options outstanding: max. 1.1m

Market capitalisation: EUR 413m (as at 2019-03-15)

Listed:Open Market / SCALEDeutsche Börse / Frankfurt Stock Exchange

ISIN: DE000FTG1111

Bloomberg: FTK GR Equity

Stock covered by 12

15

18

21

24

27

30

33

36

05.0

1.2

018

05.0

2.2

018

05.0

3.2

018

05.0

4.2

018

05.0

5.2

018

05.0

6.2

018

05.0

7.2

018

05.0

8.2

018

05.0

9.2

018

05.1

0.2

018

05.1

1.2

018

05.1

2.2

018

05.0

1.2

019

05.0

2.2

019

05.0

3.2

019

Jan 2019

PT EUR 28.00 Buy

Commerzbank

Share Price (EUR)

Jan 2019

PT EUR 33.00 Buy

Berenberg

Jan 2019

PT EUR 38.00 Buy

Hauck & Aufhäuser

Jan 2019

PT EUR 37.00 Buy

M.M. Warburg

28THE FINTECH GROUP

FinTech Group AG - our stock

STOCKPRICE DEVELOPMENT LTM

Jörg Peters FinTech Group AG

IR & Press Rotfeder-Ring 7

D-60327 Frankfurt/Main,

Germany

Phone: +49 69 450 00 11 701

Mobile: +49 151 688 47 638

joerg.peters@fintechgroup.com

www.fintechgroup.com

Financial Calendar 2019 Contact details

Corporate Events 2019

Jun 27 Annual Report 2018

Aug Annual General Meeting / Frankfurt/Main

Sep 30 Half-Year Interim Report 2019

Investors’ Conferences 2019

Apr 1-3 Raiffeisen Centrobank Investors’ Conference / Zürs (CH)

May 13-15 Equity Forum Spring Conference / Frankfurt/Main

May 21-23 Berenberg US Conference / Tarrytown NY (USA)

Jun 5-7 Goldman Sachs European Financials Conference / Paris (F)

Sep 23-25 Berenberg / Goldman Sachs German Corp. Conf. /Munich