CORPORATE PRESENTATIONFinTech Group AG | October 2018

Financial Services TechnologiesWe got IT

Operational key figures

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 % 9 474

* As of 30.06.2018

Berlin

Zwickau

Willich

Andernach

Frankfurt a.M. (HQ)

Kulmbach

Dusseldorf

Vienna

275 k > 50

B2C B2B

Neuss

Track record and mid-term ambition

4THE 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

22.7

75.2

95.0

107.0

>120.0

>150.0

-8.0

19.7

30.6 32.1

>40.0

>50.0

-7.7 -2.2

12.316.8

>24.0>30.0

2016a 2017a 2018e Mid-term ambition

Net Sales

EBITDA

Net Profit

FinTech Group - 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 GroupMD FinTech Group Bank

Deputy CEO FinTech Group Bank Head B2CMD FinTech Group Bank

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

Business Model

7THE 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

8THE FINTECH GROUP

(c75% REVENUE CONTRIBUTION, c35% EBIT 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, >200k retail clients doing >9m transactions with notional amount of >EUR 65bn 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 (costper client acquisition EUR 100 CPA vs. EUR 300-500 at competitors)

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“

9THE FINTECH GROUP

A GROWING NUMBER OF BROKERAGE CUSTOMERS (IN K)

134,4

149,6

177,8

210,4

240,0

270,0

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

NUMBER OF RETAIL TRANSACTIONS (IN M)

5,8

7,1

8,9

9,6

10,8

13,0

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

B2C - development of brokerage KPIs

10THE FINTECH GROUPSo

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inTe

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B2C - volatility is key driver of transactions and revenues

11THE FINTECH GROUP

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

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ch G

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1.2

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01.0

4.2

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01.0

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1.2

017

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4.2

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VD

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R = +0.48

Brexit

Trump election

Increase in volatility led to record transaction number of >2m in Jan/Feb 2018 (+40% compared to Jan/Feb 2017)

Jan+Feb

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

B2C - case study: Morgan Stanley ETP

12THE 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

13THE FINTECH GROUP

B2B - fully modular self-developed core banking platform

14THE FINTECH GROUP

(c25% REVENUE CONTRIBUTION, c20% EBIT 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

15THE FINTECH GROUP

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

16THE 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

50/50 Joint Venture between FinTech Group and Österreichische Post

Free Ride to Austria

First Post

in the World

> 1,750 POS

all over Austria

No. of Customer

Contacts p.a.

Austrian Logistic

Champion for

Mass Retailer for

Austrian Telecom

Digital player

developed its own

consumer . . .

founded 1491 433 post offices &

1,351 postal partners> 60 million ~8 million people A1 . . . comparison

portal

Österreichische Post at a glance

18THE FINTECH GROUP

Offering Banking

Products & Services

(BAWAG/PSK)

Financial

Advisors

Banking

Customers

(BAWAG/PSK)*)

Revenue per

Banking Customer

(BAWAG/PSK)*)

BAWAG/PSK

terminated

Partnership

ATX-Listed Company

Net Profit 2017

PSK since 1863 350 1.7 million EUR 300 p.a. 31.12.2019 EUR 165 million

Vienna

B2C B2B

*) compare with Consolidated Annual Report BAWAG Group 2017

Most modern highly attractive branches

19THE FINTECH GROUP

Highly automated self service areas

20THE FINTECH GROUP

Cash and carry additional products

21THE FINTECH GROUP

Deal Structure

22THE FINTECH GROUP

▪ Formation of a 50/50 Joint Venture between Österreichische Post and FinTech Group AG

to provide banking services in Austria

▪ Post provides ~1,700 profitable post branches resp. points of sale (POS) all over Austria at cost

▪ Post provides ~350 financial advisors at the moment (most of them are employees of Österreichische Post)

located in 433 Post Offices / Use of ~50 of them at cost / Further advisors will be paid on a success fee base

▪ Post provides its outstanding marketing power using thousands of advertising spaces

▪ FTG provides self-developed core banking system (FTG:CBS) with outstanding expertise in retail banking

▪ Existing dedicated brokerage offering in Austria (flatex.at) for more than nine years with focused marketing strategy

▪ Highly experienced Bank Management team (3x FTG Bank AG and 1x Österreichische Post AG)

subject to the approval of the relevant authorities

50/50 JOINT VENTUREPOST + FINTECH

Deal Rationale

23THE FINTECH GROUP

▪ Contract of cooperation of the JV with Österreichische Post Aktiengesellschaft

for the use of their 433 post office branches as well as 1,351 postal partners at cost.

▪ Long-term IT cooperation agreement of the JV with FinTech Group AG at cost.

Total value of the 10-year IT cooperation contract exceeds EUR 100 million in revenues for FinTech Group AG.

▪ Contribution in kind of the profitable Austrian branch of FinTech Group Bank AG, incl. the 30,000 customers

of the Austrian brand flatex into the new joint venture.

▪ Within the scope of its five-year business plan the JV will be capitalised with equity exceeding EUR 200 million.

▪ Low hanging fruits: After Bawag PSK will stop offering their service in > 1,750 branches/postal partners

there will be 70-100 Bawag branches left - no alternatives but to become client of the new Hybrid Bank

especially in rural areas.

▪ Within the scope of its five-year business plan the JV will be capitalised with equity of EUR 225 million

▪ Cash injection into JV of Post.at in the amount of minimum EUR 112.5 million to capitalise the equity

▪ Financing of the equity injection at FinTech Group AG:

EUR 112.5 million

- EUR 35 million (cash inflow from cash capital increase for the shareholding of Österreichische Post

representing a shareholding of 7% (6.54% post capital increase)

- EUR 25 million (assumed valuation of Austrian branch of FinTech Group Bank flatex.at)

Rest of EUR 52.5 million equity injection required in the following years 2 to 5 until 2023 . . .

. . . depending on business development financed by the guaranteed revenues of EUR 100 million

(EUR 10 m p.a.) out of the 10-year IT cooperation contract for FinTech Group AG

Deal Financials

24THE FINTECH GROUP

Low hangingfruits

Key Success Drivers

25THE FINTECH GROUP

High cross-sellingpotential

Lowexecution risk

Free Rideto Austria

▪ 60 million customer contacts p.a. Free marketing potential

▪ > 1,750 points of sale all over Austria vs. 70-100 urban BAWAG/PSK branches

▪ Offering focussed and standardised banking products to low risk retail customers

▪ Innovative customer-oriented direct bank combined with the branch network

▪ Access to all Austrian citizens and companies at almost no cost

▪ Use of Post’s outstanding marketing power with thousands of advertising spaces

▪ Use of the existing infrastructure of the FTG Bank Austrian branch (flatex.at)

▪ Use of the existing IT set-up and data centre

▪ Proven management expertise

▪ Continuous increase in gaining new customers (250k in 2021 / 400k in 2025)

▪ Earnings based on revenue per customer of EUR > 300 p.a.

▪ Break Even in 2022 / Net Profit of EUR 35 million in 2025 / RoE of 17 % in 2025

▪ Equity of EUR 225 million in 2025 corresponds with CET 1 > 13.5 %

Complementary competences

26THE FINTECH GROUP

Sales Operations Steering

✓ Digital Assets

✓ Online Broker (flatex AT)

✓ Retail Banking Products

✓ …

✓ Digital Processes (Know how)

✓ Innovative Financial Technology

✓ In-house Core Banking System

✓ Banking IT Infrastructure

✓ Entrepreneurial, Agile Thinking

✓ …

✓ Banking Regulatory Expertise

✓ Risk Management Expertise

✓ Liquidity Management Expertise

✓ Treasury

✓ Access to Capital

✓ …

✓ Brand

✓ Digital Assets

✓ Customer Leads

✓ Branch Network

✓ Competent People

✓ Retail Ecosystem

✓ …

✓ Data Management / Analysis

✓ Retail Organisation

✓ Multi Services Business

✓ Entrepreneurial, Agile Thinking

✓ …

✓ Access to Capital

✓ Performance Management

✓ …

ASSETS FINTECH GROUP

ASSETS POST

Management Board new Hybrid Bank*)

27THE FINTECH GROUP

From left to right:

Dr. Alexander FrechHead of branch networkÖsterreichische Post

Dr. Benon JanosHead B2B FinTech GroupMD FinTech Group Bank

Frank NiehageCEO FinTech GroupCEO FinTech Group Bank

Muhamad Said ChahrourCFO FinTech GroupMD FinTech Group Bank

*) subject to the approval of the relevant authorities

Investment case

The ecosystem – unique combination of independent business models

29THE FINTECH GROUP

Increase interactionwith and offering

to clients

Access to newproducts and

services

Manifest customerrelationship

Reduce costsper unit

GROWTH

B2B▪ Customer lifetime: 5-10

years

▪ Highly predictable revenue streams

▪ CAPEX driven

B2C▪ High margin business

▪ Transaction driven business

▪ Broad customer base

Leverageself-developedinfrastructure

Continuous development of technology and

platform

Increaseprofitability and

cash flow

Annex

31THE FINTECH GROUP

FinTech Group AG - corporate structure

Tech-Entity

Fin-Entity

FTG Finanz GmbH

100%

100%

32THE 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

25,28%

11,17%

6,54%

3,74%

53,27%

33THE FINTECH GROUP

FinTech Group AG - shareholder structure*)

*) No. of shares outstandingpost capital increase:

18,736,637

Free Float of 53.27 %,

therein:GFBK (Entity of

flatex founder

Bernd Förtsch)

12

15

18

21

24

27

30

33

36

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017

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21.1

1.2

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21.1

2.2

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1.2

018

21.0

2.2

018

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3.2

018

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4.2

018

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5.2

018

21.0

6.2

018

21.0

7.2

018

21.0

8.2

018

21.0

9.2

018

Sep 2018

PT EUR 32.00 Hold

Commerzbank

Share Price (EUR)

Sep 2018

PT EUR 40.00 Buy

M.M. Warburg

Sep 2018

PT EUR 44.00 Buy

Hauck & Aufhäuser

Sep 2018

PT EUR 43.00 Buy

Berenberg

34THE FINTECH GROUP

FinTech Group AG - our stock

Sep 2018

PT EUR 45.00 Buy

GBC Research

STOCKPRICE DEVELOPMENT LTMShares outstanding:17,510,876 (18,736,637*post capital increase)

Options outstanding: max. 1.3m

Market capitalisation: EUR 534m (as of 21.09.18)*

Listed: Scale, Börse Frankfurt

ISIN: DE000FTG1111

Bloomberg: FTK GR Equity

Stock covered by

Jörg Peters FinTech Group AG

IR & Presse Rotfeder-Ring 7

60327 Frankfurt/Main, Germany

Phone: +49 (0)69 450 00 11 701

Mobile: +49 (0)151 688 47 638

joerg.peters.ext@fintechgroup.com

www.fintechgroup.com

Financial Calendar 2018 Contact details

Investors’ Conferences

19 Sep Corporate Visit of Institutional Investors

FTG Frankfurt/Main

26 Sep Investors’ Conference / Munich

02 Oct Investors’ Road Show / London

09 Oct Investors’ Road Show / Paris

15 Oct Investors’ Road Show / Zurich

16 Oct Investors’ Road Show / Warsaw

22 Oct Investors’ Road Show / Milan – Lugano

25-30 Oct Investors’ Road Show / Canada – USA

Toronto – New York – Chicago

26-28 Nov German Equity Capital Forum

Frankfurt/Main

06 Dec Investors’ Conference / Vienna