Ferratum Oyj and its subsidiaries form a Group, Ferratum Group, which is a leading international provider of mobile consumer loans and small corporate loans. Ferratum Group, hedquartered in Helsinki, Finnland, commenced with its activities in May 2005 and has grown rapidly with a presence across Europe. North America and the APAC region. Currently, Ferratum is represented in 23 countries with operational activities. The Group has 1,2 million active and former customers who have been granted one or more loans in the past and a total of 3,7 million user accounts in its database (as of December 31, 2015).