CORPORATE PRESENTATIONFinTech Group AG | November 2017

Financial Services TechnologiesWe got IT

Employees Offices Number ofCustomers

Customer CashDeposits

Securities underCustody

Number of exchanges and OTC-partners

Approx. 450 8 € 929 m € 10.3 bn 64

1.1 FinTech Group – at a glance*

2THE FINTECH GROUP

ExecutedTrades

ExecutedTrade 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

ZwickauWillich

Andernach

Frankfurt a.M. (HQ)

Kulmbach

Dusseldorf

Vienna

12

14

16

18

20

22

24

03.0

5.20

17

02.0

6.20

17

02.0

7.20

17

01.0

8.20

17

31.0

8.20

17

30.0

9.20

17

30.1

0.20

17

Oct 2017PT EUR 30.00

Commerzbank

Share Price (EUR)

Oct 2017PT EUR 28.00M.M. Warburg

Oct 2017PT EUR 30.50

GBC

STOCKPRICE DEVELOPMENT LAST 6M

1.2 FinTech Group AG - our stock

3THE FINTECH GROUP

Shares outstanding: 16.8m

Options outstanding: max. 1.6m

Market capitalization: EUR 400m (as of 31/10/17)

Listed: Scale, Börse Frankfurt

ISIN: DE000FTG1111

Bloomberg: FTK GR Equity

Stock covered by

1.3 FinTech Group AG - corporate structure

4THE FINTECH GROUP

FTG Finanz GmbH (100%)

100% 100%

100%

CORP

ORA

TE S

TRU

CTU

RE T

OD

AY

100%

Tech-Entity

Fin-EntityAS O

F Q

1 20

18

1.4 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 IT 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

>150.0

-8.0

19.7

30.6 >32.0

>50.0

-7.7 -2.2

12.3 16.8

>30.0

2016a 2017e Mid-term ambition

Net Sales

EBITDA

Net Profit

1.5 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

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

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

2.1 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

270,0

FY 2014 FY 2015 FY 2016 FY 2017E Mid Term

NUMBER OF RETAIL TRANSACTIONS (IN M)

5,8

7,1

7,7

9,2

12,5

FY 2014 FY 2015 FY 2016 FY 2017E Mid Term

2.2 B2C - development of brokerage KPIs

8THE FINTECH GROUPSo

urce

: Fin

Tech

Gro

up

Sour

ce: F

inTe

ch G

roup

2.3 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)

2.4 B2C – Case Study: Morgan Stanley ETP

10THE FINTECH GROUP

BANKS…

PAST: 90 : 10split

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

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

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 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)

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

3.2 B2B - fully modular core banking platform

12THE FINTECH GROUP

Sales Platform Online account opening KYC & CRM

Online banking frontend Trading frontend

Support / call center Campaign management

Production Platform

Client management Accounts/securities

accounts mgmt. Payments

Online banking Clearing / settlement Card management Corporate actions

Loans Order mgmt. / routing Money and unit booking Tax processing

Regulatory & Steering Platform

Accounting Reporting Controlling

Risk management Reporting simulations AML monitoring

Service management Data warehouse Bus. intelligence / analytics

SupportPlatform

Request and order mgmt. Authentication and

authorization Fulfillment

Document archive Securities master data Quote feeds Sanctions and blacklists

Commission management SEPA mandate admin. DMS / WFMS ….

Not yetdisclosed

FinTech Group provides a retail banking infrastructure for deposit collection in a full BPO (including account opening, KYC, AML and all banking center services) for an international bank moving operations from London to Frankfurt due to Brexit

BankhausObotritia

FinTech Group runs and manages in a full business process outsourcing (BPO) the banking operations, including core banking system and all major regulatory banking processes to run the bank

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

3.3 B2B - client excerpt and case studies

13THE FINTECH GROUP

Most recent B2B projects:

4.1 The ecosystem - unique combination of independent business models…

14

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

4.2 The ecosystem - …creates inherent growth potential

15THE 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)

5.1 Growth strategy - how to meet the mid-term ambition

16THE FINTECH GROUP

124

44 24

2017E B2Ccurrent markets

B2Cnew markets

B2B mid term

253

10 38

2017E existingclients

newclients

mid term

20050

100100

50 500

2017E flatexflex

Insurancecredit

Equatexcredit

other mid term

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

5.2 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 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

5.3 Growth strategy - B2B

18THE 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

5.4 Growth strategy - credit book

19THE 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

5.5 Growth strategy – the hidden treasury reserve

20THE FINTECH GROUP

0.5%

1.0%

1.5%

0

10

20

30

800 900 1000 1100 1200 1300 1400 1500

Incr

emen

talE

BT

Customer deposits

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

Cash Deposits as of 30.06.2017

30,10%

15,90%

6,87%

3,12%2,97%

1,72%

1,31%

1,02%

0,86%

0,57%

35,57%

GFBK (Entity of flatex founder Bernd Förtsch)

Other and free float (Holding <0.5%)

7. The FinTech Group AG - shareholder structure

21THE FINTECH GROUP

Annex

23THE FINTECH GROUP

Our business model at a glance

ONLINE BROKERAGE

Germany & Austria 230k retail clients > 9m security transactions Broad product portfolio (including

stocks, 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%

24THE FINTECH GROUP

History of FinTech Group – Key Miletones

1988Company founded in Langen

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

2006Best 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

25ANNEX

Financials at a Glance - Consolidated GroupSo

urce

: Fin

Tech

Gro

up

Sour

ce: F

inTe

ch G

roup

Sour

ce: F

inTe

ch G

roup

34,6* 40,6 48,3 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

Sour

ce: F

inTe

ch G

roup

-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) andconsolidate 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)

26ANNEX

Segment Financials at a GlanceSECURITIES TRADING AND FINANCIAL SERVICES

EFFICIENT IT AND BANKING ECOSYSTEM DRIVES EBITDA-MARGIN

Sour

ce: F

inTe

ch G

roup

ONGOING INCREASE IN NUMBER OF RETAIL CLIENTS (k)

Sour

ce: F

inTe

ch G

roup 163,7

176,6193,8

212,0

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)

Sour

ce: F

inTe

ch G

roup

15,7*

3,9

7,44,5

16,5+

H1 2015 H2 2015 H1 2016 H2 2016 FY 2017E

LEADING B2C-POSITION ENSURES RECURRING REVENUES (mEUR)

Sour

ce: F

inTe

ch G

roup

21,4*

7,111,6

7,8

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 segmentsdoes not equal Group financials

27ANNEX

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

SCALABLE PRODUCTS AND BPO PUSHES EBITDA-MARGIN

Sour

ce: F

inTe

ch G

roup

STRONG GROWTH IN NUMBER OF SETTLED TRANSACTIONS (m)

Sour

ce: F

inTe

ch G

roup

RESTRUCTURING HAS INCREASED EFFICIENCY AND EBITDA (mEUR)

Sour

ce: F

inTe

ch G

roup

INTENSIFIED SALES ACTIVITIES IMPACT REVENUE GROWTH (mEUR)

Sour

ce: F

inTe

ch G

roup

Note: all numbers before intersegment consolidation and holding expenses – thus sum of segmentsdoes not equal Group financials

* H1 2015 numbers consolidate only three months XCOM AG / FinTech Group Bank AG (for furtherinformation 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 NiehageCEOFinTech Group AGRotfeder-Ring 5-760327 Frankfurt, Germany

www.fintechgroup.com

Muhamad ChahrourCFOFinTech Group AGRotfeder-Ring 5-760327 Frankfurt, Germany

www.fintechgroup.com

Contact details