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  A resilient and flexible business model resulted in a solid performance in a year hit by the COVID-19 pandemic The year 2020 was highly characterised by the impact of the COVID-19 pandemic which also affected Ferratum’s business activities. In a year unlike any other during the past century, Ferratum’s business model showed its resilience and flexibility: Ferratum managed to protect its business model as well as to successfully reduce its cost base and navigate through the year with a substantial reduction in both operating expenses and risk appetite. These reductions helped contribute to a solid business performance in the business year 2020.

United statesNew zealandEteläuomen läiFerratum primeloanFitch ratingsStandard of frankfurt stock exchangeBank or walletFerratum groupWhile the groupFerratum oyjTotal assetsNon current assetsCash equivalentsCurrent assetsTotal equityLong term borrowings