CORPORATE PRESENTATIONFinTech Group AG | June 2017

Financial Services TechnologiesWe got IT

1.1 The FinTech Group AG - key facts

2THE FINTECH GROUP

Headquarters

Offices

Employees

Frankfurt

Willich, Zwickau, Düsseldorf, Berlin, Kulmbach

approx. 500

Number of own B2C customers

Number of managed accounts

Trades executed p.a.

Assets under administration

Customer cash deposits

Number of B2B clients

> 200,000

> 400,000

> 10 million

> EUR 11 billion

> EUR 1 billion

> 100

Tier 1 Capital

CRR

approx. EUR 50m

> 10

Via XCOM Finanz GmbH

(100%)

100% 96,6%

100% 100%

100%

CORPORATE FACTS AND FIGURES ONGOING TRANSFORMATION OF CORPORATE STRUCTURE

100%

Tech-Entity

Fin-Entity

CO

RP

OR

AT

E S

TR

UC

TU

RE

TO

DA

YA

S O

F Q

4 2

01

7

39,80%

15,10%

2,97%1,72%

1,31%

0,57%

38,53%

GFBK (Entity of flatex founder Bernd

Förtsch)

Other and free float (Holding <0.5%)

1.2 The FinTech Group AG - shareholder structure

3THE FINTECH GROUP

Other and free float

STOCKPRICE DEVELOPMENT LAST 6M

1.3 FinTech Group AG - stock

4THE FINTECH GROUP

Shares outstanding: 16.8m

Options outstanding: max. 1.7m

Market capitalization EUR 290m (as of 9/6/17)

Listed: Scale, Börse Frankfurt

ISIN: DE000FTG1111

Bloomberg: FTK GR Equity

Stock covered by 12

14

16

18

01

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16

31

.12

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16

30

.01

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17

01

.03

.20

17

31

.03

.20

17

30

.04

.20

17

30

.05

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17

May 2017

PT EUR 23.00

Commerzbank

Share

Price

(EUR)

Mar 2017

PT EUR 24.00

M.M. Warburg

Mar 2017

PriceTarget EUR 25.50

H&A

1.4 Executive Committee

5THE FINTECH GROUP

Sascha Bochartz Dr. Benon Janos Frank Niehage Muhamad Chahrour Bernd Würfel Niklas Helmreich

Head IT FinTech Group Head B2B FinTech Group MD FinTech Group Bank

CEO FinTech Group CEO FinTech Group Bank

CFO FinTech Group Vice Chairman FinTech Group Bank

Deputy CEO FinTechGroup Bank

Head B2C FinTech Group MD FinTech Group Bank

ALL EXCO MEMBERS ARE PART OF THE 4 YEAR OPTION PLAN

22.7

75.2

95.0>100.0

>150.0

-8.0

19.7

30.6 >32.0

>50.0

-7.7 -2.2

12.316.8

>30.0

2016a 2017e Mid-term ambition

Net Sales

EBITDA

Net Profit

1.5 Financials, guidance and organicmid-term ambition

6THE FINTECH GROUP

Improved tech expertise by XCOM acquisition

Strengthened capital base

Implemented high class management team and subsequent restructuring actions

Closed CFD deal with Commerzbank (strategic partnership)

Group wide IFRS Reporting (incl. segment reports)

Boost of organic growth of existing B2C business

Sale of loss making AKTIONÄRSBANK, improve annual earnings and pool banking activities in FinTech Group Bank AG

EUR million Implement technology

based lending and redeveloping treasury with the potential to generate an additional EUR 10+ million (do-it-yourself and / or partner with existing players)

• Enter Prime Standard of Frankfurt Stock Exchange to increase transparency and trading volume

• Further strategic acquisitions & partnerships

2014a 2015a

1.6 B2C - business model of flatex and ViTrade

7THE FINTECH GROUP

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

Fastest growing online brokerage business in Germany and Austria, >200k retailclients doing >9m transactions

Market share of >20% in Germany and >25% in Austria

Most trading-active clients in the market (FinTech clients: avg. 40 - 50 trades p.a. vs. market: avg. 10-20 trades p.a.)

Guaranteed pricing model for more than 11 years: OTC @ EUR 5.90 - Markets @ EUR 5.00

Market leading product offering with ETP partnerships with Morgan Stanley, Commerzbank and Deutsche Bank

A GROWING NUMBER OF FLATEX CUSTOMERS (IN K)

134,4

149,6

175,4

205,5

250,0

FY 2014 FY 2015 FY 2016 FY 2017E MTA

NUMBER OF FLATEX TRANSACTIONS (IN M)

5,8

7,1

7,7

8,5

12,5

FY 2014 FY 2015 FY 2016 FY 2017E MTA

1.7 B2C - development of brokerage KPIs

8THE FINTECH GROUPSo

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1.8 B2C - growth drivers

9THE FINTECH GROUP

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

Competitive technology edge due to self-developed, highly scalable transaction settlement technology 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 (doing > 40 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)

1.9 B2C – ETP Partnership with Morgan Stanley

10THE FINTECH GROUP

The German ETP market has a size of around EUR 70bn - FinTech Group has a >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 partners (Commerzbank, Deutsche Bank)

Already 20,000 products issued that clients can trade at no cost

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

BANKS…

PAST:90 : 10

split

TODAY:50 : 50

split

REVENUE POOL

…TRADED BY CLIENTS

Revenue generation forissuing bank through:

• Inherent interestcomponent

• Bid-ask spread

…ISSUE ETPs… …OFFERED AT FLATEX…

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

11THE 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 DEPOSIT INFRASTRUCTURE

Example:

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

Products:

• FinTech Bank runs and manages online retail deposit business for 3rd parties from account opening and call centre services to annual tax forms

LEVERAGING OWN-USED IN-HOUSE BANKING VALUE CHAIN (TECHNOLOGY, REGULATORY, INFRASTRUCTURE)

1.10 B2B - white label banking & IT services(c30% REVENUE CONTRIBUTION, ~20% EBITDA MARGIN)

FinTech was chosen by Equatex – one of two leading stock option plan adminstrators in Germany with > EUR 3bn AuC – to provide transaction and custody services; FinTech opened 250k accounts for Equatex within 2 weeks

FinTech Bank runs and manages the online retail deposit business for pbb direct (on pbb balance sheet), from account opening and call centre services to annual tax forms

FinTech Group developed, maintains andruns LOX, the ETP OTC system for Deutsche Bank and Commerzbank, connected to 17 European brokerage companies - 3bn pricefeeds and 50k transactions - per day!

1.11 B2B client excerpt and case studies

12THE FINTECH GROUP

1.12 The ecosystem

13THE FINTECH GROUP

Access to new partner

Increase transactions

Expand product portfolio Increase

profitability

GROWTH

B2B B2CReduce costs

Leveragesynergies

1.13 The ecosystem – case study Zinspilot

14THE FINTECH GROUP

B2B

•Online platform providing clients with best available interest rates offered by European banks

•B2B client receiving white label banking services (account management, payment and regulation)

B2C

•Clients maintain EUR 1.2bn overnight trading money

•Demand by few customers for interest on deposits

•However, flatexhas never paid interest on customer deposits

Flatex clients can now receive interest

Flatex clients have moved EUR 200m to Zinspilot

Benefit for FinTech Group

• Saving -0.4% on EUR 200m (previously sitting with ECB)• Earning 0.1% commission on EUR 200m from Zinspilot

EUR 1m net profit by leveraging ecosystem

Satisfied B2B client, received EUR 200m without any additional marketing costs

Satisfied B2C clients, receiving now interest rates on their deposits

1.14 Credit & Treasury – setting up credit portfolio

15THE FINTECH GROUP

setting-up a credit portfolio, diversified over risk, maturity and return

aimed portfolio size by EOY17 of EUR 250m @ average interest rate of 4% (> 90% of portfolio fully collateralized)

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

Highly collateralized factoring portfolio of currently ~EUR 40m, first-class debtors with top credit ratings such as ALDI, LIDL

ALTERNATIVE CREDIT BOOK EUR 120MN @ 3.5% = EUR +4MN P.A.

0

50

100

150

200

250

31.12.2016 30.06.2017 31.12.2017

in E

UR

millio

n

B2C COLLATERALIZED LOANS EUR 150MN @ 3.9% = EUR +6MN P.A.

1.15 Credit & Treasury – setting up credit portfolio

16THE FINTECH GROUP

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

0.5%

1.0%

1.5%

0

10

20

30

800 900 1000 1100 1200 1300 1400 1500

Incr

em

en

talE

BT

Customer deposits

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

Cash Deposits as of 31.12.2016

1.16 Growth strategy B2C

17THE 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 online brokerage business in the German speaking DACH region by penetrating Switzerland

• Current average trading fee for clients: 30-40 SFR

• Potential to enter the market with 10-15 SFR/trade

• Leverage partnership with ETP partner to share penetration and marketing expenses

• Swarm out all over Europe and build the largest pan-European online brokerage business which is big-bank independent compared by leveraging our EU-Passport

GROWTH STRATEGY BY ACQUISITON

• Seek 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 highly focused and experienced management team to generate higher profits

B2C - Online Brokerage

Currently operating

Next step Potential markets

1.17 Growth strategy B2B

18THE FINTECH GROUP

B2B - White Label Banking/IT Services

ORGANIC GROWTH STRATEGY

• Acquire three to five B2B mandates every year

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

• Make use of current regulatory and political environment (Brexit) to attract new B2B clients

• Continue focus on transaction settlement and offering settlement as a service to small and mid sized banks with inefficient back offices

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

• Increase mid-term the number of settled transaction for third parties from currently 1.5 million to 3 million

2. Annex

Fin

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20ANNEX

2.1 Company history

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1999 2003 20121988 2005 2006 201020092008 2013

Significant acceleration

20152014

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21ANNEX

2.2 Financials at a Glance - Consolidated GroupSo

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34,6* 40,648,3 46,7

100,0+

H1 2015 H2 2015 H1 2016 H2 2016 FY 2017E

10,0

-12,2

2,5

9,8

16,8+

H1 2015 H2 2015 H1 2016 H2 2016 FY 2017E

-15,5%

-2,5%

13,6%16,5%+

2014 2015 2016 2017E

So

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-0,58

-0,99

0,731,00+1

2014 2015 2016E 2017E

* H1 2015 numbers include significant one-off income (reported figure in FY15: EUR 8.3mn) and

consolidate only three months XCOM AG / FinTech Group Bank AG (for further information see HY16

financial report note 4)

Note: all segment numbers before intersegment consolidation and holding expenses – thus sum of

segments does not equal Group financials

1undiluted, based on 16.8m shares outstanding as of 01/04/2017

SHAREHOLDER VALUE CREATION THROUGH ROE GROWTH AFTER GROUP RESTRUCTURING FOCUS ON EPS

CONTINUOUS REVENUE GROWTH WITH NEW STRATEGY (mEUR) NET PROFIT TURNAROUND ACHIEVED (mEUR)

22ANNEX

2.3 Segment Financials at a GlanceSECURITIES TRADING AND FINANCIAL SERVICES

EFFICIENT IT AND BANKING ECOSYSTEM DRIVES EBITDA-MARGIN

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ONGOING INCREASE IN NUMBER OF RETAIL CLIENTS (k)

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163,7176,6

193,8212,0

250,0**

H1 2015 H2 2015 H1 2016 H2 2016 FY 2017E

73,4%*

54,9%63,8%

57,7%67,0%+

H1 2015 H2 2015 H1 2016 H2 2016 FY 2017E

EBITDA INCREASING WITH HIGHER SHARE OF WALLET (mEUR)

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15,7*

3,9

7,4

4,5

16,5+

H1 2015 H2 2015 H1 2016 H2 2016 FY 2017E

LEADING B2C-POSITION ENSURES RECURRING REVENUES (mEUR)

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21,4*

7,1

11,67,8

25,0+

H1 2015 H2 2015 H1 2016 H2 2016 FY 2017E

* H1 2015 numbers include significant one-off income (reported figure in FY15: EUR 8.3mn)

** includes flatex, ViTrade and further B2C clients

Note: all numbers before intersegment consolidation and holding expenses – thus sum of segments

does not equal Group financials

23ANNEX

2.4 Segment Financials at a GlanceTRANSACTION PROCESSING & WHITE-LABEL BANKING SERVICES

SCALABLE PRODUCTS AND BPO PUSHES EBITDA-MARGIN

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STRONG GROWTH IN NUMBER OF SETTLED TRANSACTIONS (m)

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RESTRUCTURING HAS INCREASED EFFICIENCY AND EBITDA (mEUR)

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INTENSIFIED SALES ACTIVITIES IMPACT REVENUE GROWTH (mEUR)

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Note: all numbers before intersegment consolidation and holding expenses – thus sum of segments

does not equal Group financials

* H1 2015 numbers consolidate only three months XCOM AG / FinTech Group Bank AG (for further

information see HY16 financial report note 4)

4,8 5,3 5,0 5,5

12,5

H1 2015 H2 2015 H1 2016 H2 2016 FY 2017E

18,6%* 18,6%

33,7%

47,7%

38,0%+

15%

40%

H1 2015 H2 2015 H1 2016 H2 2016 FY 2017E

2,2*6,2

12,316,3

28,5+

H1 2015 H2 2015 H1 2016 H2 2016 FY 2017E

11,8*

33,4 36,5 34,2

75,0+

H1 2015 H2 2015 H1 2016 H2 2016 FY 2017E

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