CORPORATE PRESENTATIONFinTech Group AG | Januar 2018

Financial Services TechnologiesWe got IT

Employees Offices Number of

Customers

Customer Cash

Deposits

Securities under

Custody

Number of exchanges

and OTC-partners

Approx. 450 8 € 929 m € 10.3 bn 64

FinTech Group – at a glance*

2THE FINTECH GROUP

Executed

Trades

Executed

Trade Volume

Credit Book

(collateralized)

Average Interest Rate

(Loan Book)

TIER-1

Capital

Return on Equity p.a.

(before Tax)

5.5 m € 38 bn € 186 m 4.3% p.a. € 41 m 22%

* As of 30.06.2017

>200k

B2C

>100

B2BBerlin

Zwickau

Willich

Andernach

Frankfurt a.M. (HQ)

Kulmbach

Dusseldorf

Vienna

14

16

18

20

22

24

26

28

30

32

04

.07

.20

17

03

.08

.20

17

02

.09

.20

17

02

.10

.20

17

01

.11

.20

17

01

.12

.20

17

31

.12

.20

17

Dec 2017

PT EUR 30.00

Commerzbank

Share Price (EUR)

Dec 2017

PT EUR 36.00

M.M. Warburg

Dec 2017

PT EUR 37.50

Hauck & Aufhäuser

STOCKPRICE DEVELOPMENT LAST 6M

FinTech Group AG - our stock

3THE FINTECH GROUP

Shares outstanding: 17,510,876

Options outstanding: max. 1.6m

Market capitalization: EUR 548m (as of 05/01/18)

Listed: Scale, Börse Frankfurt

ISIN: DE000FTG1111

Bloomberg: FTK GR Equity

Stock covered by

FinTech Group AG - corporate structure

4THE FINTECH GROUP

FTG Finanz GmbH (100%)

100% 100%

100%

CO

RP

OR

AT

E S

TR

UC

TU

RE

TO

DA

Y

100%

Tech-Entity

Fin-EntityAS

OF

Q1

20

18

Merger in Q1/2018

FinTech Group AG - Executive Committee

5THE FINTECH GROUP

Steffen Jentsch Stephan Simmang Dr. Benon Janos Frank Niehage Muhamad Chahrour Bernd Würfel Niklas Helmreich

Co-Head ITMD FinTech Group Bank

Co-Head IT Head B2BMD FinTech Group Bank

CEO FinTech GroupCEO FinTech Group Bank

CFO FinTech GroupVice Chairman FinTech Group Bank

Deputy CEO FinTechGroup Bank

Head B2CMD FinTech Group Bank

ALL EXCO MEMBERS ARE PART OF THE 4 YEAR OPTION PLAN

22.7

75.2

95.0>100.0

>120,0

>150.0

-8.0

19.7

30.6 >32.0

>40,0

>50.0

-7.7 -2.2

12.316.8

>24>30.0

2016a 2017e 2018e Mid-term ambition

Net Sales

EBITDA

Net Profit

FinTech Group - track record and mid-term ambition

6THE FINTECH GROUP

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 milliono Continue strong growth of

number of settled transactions

o Leverage own used value chain by providing unutilized resources to third party B2B clients

o Use liquidity from cash deposits to grow the fully collateralized loan book

o Up-listing to Prime Standard of Frankfurt Stock Exchange

o Further strategic acquisitions & partnerships

2014a 2015a

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

Reorganization of group structure and new segmentation into Fin and Tech units

Increased investor relations activities

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

B2C - business model of flatex and ViTrade

7THE FINTECH GROUP

(c70% REVENUE CONTRIBUTION, ~45% EBIT MARGIN)

Fastest growing online brokerage business in Germany and Austria, >200k retail clients doing >9m transactions with notional amount of >EUR 65bn p.a.

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

Guaranteed flat pricing model of EUR 5.90 for more than 11 years - regardless of type of asset(stocks, bonds, ETPs, ETFs etc.), transaction amount and exchange

Market leading ETP offering with Morgan Stanley partnership, open architecture offering: Commerzbank, Deutsche Bank, Citi, BNP

A GROWING NUMBER OF BROKERAGE CUSTOMERS (IN K)

134,4

149,6

175,4

205,5

240,0

270,0

FY 2014 FY 2015 FY 2016 FY 2017E FY 2018E Mid Term

NUMBER OF RETAIL TRANSACTIONS (IN M)

5,8

7,1

7,7

9,2

10,8

13,0

FY 2014 FY 2015 FY 2016 FY 2017E FY 2018E Mid Term

B2C - development of brokerage KPIs

8THE FINTECH GROUPSo

urc

e: F

inTe

ch G

rou

p

Sou

rce:

Fin

Tech

Gro

up

B2C - our competitive edge

9THE FINTECH GROUP

Key drivers for successful brokerage business: cost per trade settlement (CPT), cost per client acquisition (CPA) and outstanding product offering

Competitive technology edge due to self-developed, highly scalable security ordering/settlement infrastructure ensures sustainable cost leadership with CPT of EUR 1.45

Each additional trade reduces cost per trade settlement - doubling the # of transactions reduces CPT by >40% to less than EUR 0.80 per settlement

Quality of clients matters more than quantity - focused marketing strategy attracts the right clients (>25 trades p.a.) with only EUR 100 CPA vs. EUR 300-500 at competitors

Top notch product partners offering ETFs and ETPs - exclusive joint venture with Morgan Stanley (see case study)

B2C – Case Study: Morgan Stanley ETP

10THE FINTECH GROUP

BANKS…

PAST:90 : 10

split

TODAY:50 : 50

split

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

Exclusive Agreement with MS delivers higher revenue stake (50:50) than with other ETP partners (Commerzbank, Deutsche Bank)

Already 30,000 flatex-select products issued by Morgan Stanley that clients can trade at no cost

AuM component contributes to FinTech Group revenues even if non-flatex clients trade MS products

B2B - shared services: banking processes and platform

11THE FINTECH GROUP

(c30% REVENUE CONTRIBUTION, ~20% EBIT MARGIN)

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

APIs

APIs

12THE FINTECH GROUP

B2B - fully modular core banking platform

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 Mgmt. Reporting DWH / BI Risk / Liq. Mgmt

TRANSACTION AND MARKET MAKER SYSTEMS

Example:

developing and running OTC trading systems L.O.X.

Products:

Trading system

Market maker system

Trading platforms

Market and price data supply

13THE FINTECH GROUP

SETTLEMENT AND CUSTODY SERVICES

Example:

security account and custody services for stock option administration

Products:

Custody services

Payment platform

SEPA platform incl. mandate management

Online banking

Secure transactions

RETAIL BANKING INFRASTRUCTURE

Example:

full provision of white label banking services for deposit raising and administration

Products:

Retail deposits

Lending infrastructure

Brokerage accounts

Customer services

Regulatory Reporting

LEVERAGING PROPRIETARY 100% IN-HOUSE BANKING VALUE CHAIN (CORE BANKING SYSTEM AND INFRASTRUCTURE)

B2B - key white label products and processes

B2B - client excerpt and case studies

14THE 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.

The ecosystem - unique combination of independent business models…

15

B2C - Brokerage

High margin business

Volatile business model

Heavily depending on capital markets and customer behavior

Less predictive revenue streams

OPEX driven

B2B - White label banking & IT services

Stable long term contracts

Very low volatility

Lower margin than B2C business

Highly predictable revenue streams

CAPEX driven

THE FINTECH GROUP

The ecosystem – …creates inherent growth potential

16THE FINTECH GROUP

Access to new partner

Increase transactions

Expand product portfolio Increase

profitability

GROWTH

B2B B2CReduce costs

Leveragesynergies

Improve customer value "customer

journey"

Revenues: EUR 150m - EBITDA: EUR 50m - Net Profit: EUR 30m

USE FREE LIQUIDITY TO GROW THE FULLY COLLATERALIZED CREDIT BOOK

WHY:making use of the zero-cost cash deposits allows for additional income on almost zero-risk base (utilizing the by-product)

HOW:

Increase credit volume with own flatex clients

Provide credit products to non-FinTech clients (flex-Insurance credit)

Set-Up of credit products for B2B2C clients (Equatex flex credit)

Maintain a fully collateralized approach

LEVERAGE OWN USED B2C VALUE CHAIN BY PROVIDING IT TO THIRD PARTY B2B CLIENTS

WHY:revenues from providing own platform to B2B clients are long-term and predictable cash flows(pay the bills with stable income)

HOW:

Standardize B2B product portfolio to allow synergies

Provide current customers with additional/new products

Acquire each and every year 4-6 new B2B clients

Keep R&D on a sustainable and innovative level

CONTINUE STRONG GROWTH OF NUMBER OF SETTLED TRANSACTIONS

WHY:increasing number of transactions drives revenues but also reduces costs per settlement (achieve economies of scale)

HOW:

Continuous growth in domestic flatex markets

Geographical expansion to new markets (B2C)

Allow non-flatex customers to enjoy flatex products (new product: TradeNow)

Increase number of settled transactions for third parties (B2B)

Growth strategy - how to meet the mid-term ambition

17THE FINTECH GROUP

124

44 24

2017E B2C

current markets

B2C

new markets

B2B mid term

253

10 38

2017E existing

clients

new

clients

mid term

20050

100100

50 500

2017E flatex

flex

Insurance

credit

Equatex

credit

other mid term

Revenues from B2B projects (in € million)Number of settled transactions (in million) Size of collateralized credit book (in € million)

Growth strategy - B2C

18THE FINTECH GROUP

ORGANIC GROWTH STRATEGY

Continue organic growth in Germany and Austria and manifest market leadership in terms of client activity and product offering

Emphasize focus on becoming the leading European online brokerage business by penetrating new countries

Leverage partnership with ETP partner to share penetration and marketing expenses

Spread out all over Europe and build the largest pan-European online brokerage business which is big-bank independent using our EU-Passport

GROWTH STRATEGY BY ACQUISITON

Search for takeover opportunities in Europe with the following parameters:

Higher cost per transaction leveraging our processes and systems to generate higher profit

Higher cost per client acquisition apply our marketing strategies to generate higher profit

Inefficient product partnerships offer our best-class and broadest product portfolio to generate higher profits

Weakly managed under increasing regulatory requirements implement our experienced management team to generate added value

B2C - Online Brokerage

Currently operating Potential markets

Growth strategy - B2B

19THE FINTECH GROUP

B2B - White Label Banking/IT Services

ORGANIC GROWTH STRATEGY

Clear strategy to become Europe’s leading transaction processor by offering own-used value chain to third parties

Continue focus on transaction settlement and offering settlement as a service to private and specialist banks

Current global ROE of banks @ 8-10%, ROE of banks in Germany @ < 4% banks have pressure to reduce costs and to outsource inefficient back office structures and processes

Make use of current market and regulatory (ongoing consolidation of banking technology provider affecting more than 300 banks) as well as political environment (Brexit) to attract new B2B clients

Each new mandate will contribute at least a contract lifetime revenue of EUR 5-10 million

Growth strategy - credit book

20THE FINTECH GROUP

0

250

500

31.12.2016 30.06.2017 31.12.2017 30.06.2018mid termambition

Setting-up a credit portfolio, diversified over risk, maturity and duration (>95% fully collateralized)

Aimed mid term portfolio size of EUR 500m @ average interest rate of 4%

Successful introduction of “flatex flex credit line” (technically a 100% collateralized overdraft facility with max 25% LTV on securities held by client) EUR 100m+ credit lines drawn after 12 months

Addressing new market participants (B2B2C clients as well as insurance customers) with flex credit

Highly collateralized factoring portfolio of currently ~EUR 50m, first-class debtors with top credit ratings such as ALDI, LIDL

B2C COLLATERALIZED LOANS EUR 350MN @ 4.5% = EUR +16MN P.A. ALTERNATIVE CREDIT BOOK EUR 150MN @ 3.5% = EUR +5MN P.A.

Customers maintain currently more than EUR 1bn with FinTech Group Bank AG (overnight trading money), thereof around EUR 800m is managed in a treasury portfolio

Current management set up treasury strategy, despite low (negative) interest environment in Europe treasury portfolio is profitable and highly diversified (sovereign, municipal bonds and corporate bonds), yielding around 0.2% interest

FinTech Group has never paid interest rates on customer deposits to customers

Hidden reserve: increase in interest rate environment will have enormous impact on P&L:1% increase +EUR 10 million EBT

Growth strategy – the hidden treasury reserve

21THE FINTECH GROUP

0.5%

1.0%

1.5%

0

10

20

30

800 900 1000 1100 1200 1300 1400 1500

Incr

em

en

tal

EB

T

Customer deposits

HIDDEN RESERVE: P&L IMPACT DUE TO CHANGE OF INTEREST ENVIRONMENT..

Cash Deposits as of 30.06.2017

27,96%

14,40%

6,60%

4,00%

2,70%2,80%

1,65%

1,26%

0,90%

0,86%

36,88%

GFBK (Entity of flatex founder Bernd Förtsch)

Other and free float (Holding <0.5%)

The FinTech Group AG - shareholder structure

22THE FINTECH GROUP

Annex

24THE FINTECH GROUP

Our business model at a glance

ONLINE BROKERAGE

Germany & Austria

230k retail clients

> 9m security transactions

Broad product portfolio (includingstocks, bonds, ETPs, ETFs, variousfunds)

100% of value chain in-house (technology, banking, regulatory)

65 – 70%

~ 45%

Revenue contribution

Products

Peer group

EBITmargin

CREDIT & TREASURY

Portfolio

EUR 1bn deposits of clients

EUR 180m loan book @ 4% NIM

Aimed portfolio size by EOY17: EUR 250m

Substantial hidden reserve in treasury portfolio

today: EUR 1bn @ 0.2% = EUR 2m NII

potentail (increase in interest environment): EUR 1bn @ 1.2% = EUR 12m NII

5 – 10%

~ 100%

WHITE LABEL BANKING SERVICES

Banking

Core banking system

White Label Banking Services (account opening and admin., call center etc.)

Reporting systems (client, regulatory etc.)

Transaction

Trading system

Market maker system

Trading platforms

Market and price data supply

20 – 25%

~ 20%

25THE FINTECH GROUP

History of FinTech Group – Key Miletones

1988

Company founded in Langen

2001Development and full BPO provider for pan-European expansion (core banks 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 (1.4m trades / yr)

Largest Austrian bank selects FinTech Group as full BPO for German digital expansion

1997

Full BPO IT provider for bankenverband ever since

2009

2015

2017

2010

Frank Niehage

CEO

FinTech Group AG

Rotfeder-Ring 5-7

60327 Frankfurt, Germany

www.fintechgroup.com

Muhamad Chahrour

CFO

FinTech Group AG

Rotfeder-Ring 5-7

60327 Frankfurt, Germany

www.fintechgroup.com

Contact details