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What my daughter say about traveling : Interviewing Willow our 9 year old

What my daughter say about traveling : Interviewing Willow our 9 year old

Willow age 9 Willow has been to Europe three times now on Holiday. Willow has been to Singapore, Amsterdam, Prague, Paris, Budapest, Munich, Helsinki, Tallinn, Riga, Berlin, Krakow, Vienna, Rome, London, Freiburg, Basel, Porto, Lisbon and Barcelona. Willow has also traveled in North Wales, Southern Poland and the Alsace region of France. Willow has flown internationally 30 times, driven between…

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Ferratum expands business with small business loans

Ferratum expands business with small business loans

Helsinki/Berlin, July 17, 2015 - Ferratum Oyj (ISIN: FI4000106299, WKN: A1W9NS; together with its consolidated subsidiaries hereinafter “Ferratum Group” or “Ferratum”), an international provider of mobile consumer loans and a pioneer in the field of “financial technology”, has introduced the new division Ferratum Business in Finland. Thus, it has taken only about two months for Ferratum to extend its offerings on small business loans to a second country after successfully forming the business in Sweden.

Jorma Jokela, the founder and CEO of Ferratum Group, is very satisfied with the current business development: “Product diversification is a key component of our growth strategy. We are pleased to have reached an important milestone in the company`s development by introducing the new division in our home market of Finland. Looking ahead we can pursue the goal of being able to offer the fastest and easiest loan alternative for small businesses across Europe with Ferratum Business.

Ferratum Business offers established small businesses with a strong track record of at least two years loans to finance working capital with a term of six to twelve months. In Finland these loans can be applied in the amount of EUR 3,000 to EUR 25,000 by means of a simple and short application process, only taking about 10 minutes. Therefore, the new business lending is characterized by fast approval times, with loans disbursed within one day of a completed application and without collateral requirements.

So far in fiscal year 2015, Ferratum has already continued successfully pursuing its growth strategy by entering the Canadian, Norwegian and French market as well as offering its PlusLoan product and Credit Limit product in further existing markets. Besides organic growth in the 21 markets that the company is already active in, Ferratum is focusing on expanding its business in the medium term to include 30 countries and diversify its product portfolio. In this context, Ferratum also plans to establish the new division of business lending in further countries in the course of 2015.

About Ferratum Group:

The Finnish Ferratum Group, a pioneer for mobile consumer loans in Europe, offers short-term consumer loans. Ferratum`s customers can utilize digital media to apply for consumer credit in amounts varying between EUR 25 and EUR 2,000. Moreover, Ferratum offers successful small businesses installment loans with a term of six to twelve months. Managed by its founder Jorma Jokela, Ferratum has expanded rapidly since it was founded in 2005: Ferratum has 1.0 million active and former customers who have been granted one or more loans in the past and 3.0 million total user accounts in its database (as of 31 March 2015). Ferratum is represented in 21 markets and employs 383 people as of 31 December 2014.

Contact:
Ferratum Group                                
Dr. Clemens Krause, CFO                       
T: +49 30 88715308                            
F: +49 30 88715309                            
M: clemens.krause@ferratum.com
                 
Ferratum Group   
Paul Wasastjerna
Head of Investor Relations
T: +358 40 7248247
F: +358 20 741 1614    
M: paul.wasastjerna@ferratum.com

cometis AG
Henryk Deter | Mariana Kuhn
T: +49 611 20 58 55-61
F: +49 611 20 58 55-66
M: kuhn@cometis.de




This announcement is distributed by NASDAQ OMX Corporate Solutions on behalf of NASDAQ OMX Corporate Solutions clients.

The issuer of this announcement warrants that they are solely responsible for the content, accuracy and originality of the information contained therein.
Source: Ferratum Oyj via GlobeNewswire

HUG#1939672
thedrum.com
The most expensive city to buy Facebook Newsfeed ads is... | News - Digital

Oslo is the most expensive European city to buy Facebook advertising, according to analysis from marketing software firm Kenshoo.

Taking record of the social network’s suggested bids to target users in specific cities, Kenshoo noted that factors such as the location and advertising demand caused fluctuations in the valuation of the slots throughout the continent.

For Newsfeed placements on desktop and mobile, Olso ranked the most expensive city at $0.73 a click-through. In second place was Vatican City at $0.70, followed by Helsinki ($0.57), Berlin (0.54) and Bern (0.53).

London was ranked ninth - costing $0.48 per conversion. On the other hand the most inexpensive cities to advertise were Skopje in the Republic of Macedonia, Sarajevo in Bosnia and Herzegovinia and Podgorica in Montenegro.

The volume of each city population using Facebook, crossed with their affluence and the demand for ads, were all major drivers of cost.

Check out the full list below.

oslo

european-capitals.jpg

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thedrum.com
The most expensive city to buy Facebook Newsfeed ads is... | News - Digital

Oslo is the most expensive European city to buy Facebook advertising, according to analysis from marketing software firm Kenshoo.

Taking record of the social network’s suggested bids to target users in specific cities, Kenshoo noted that factors such as the location and advertising demand caused fluctuations in the valuation of the slots throughout the continent.

For Newsfeed placements on desktop and mobile, Olso ranked the most expensive city at $0.73 a click-through. In second place was Vatican City at $0.70, followed by Helsinki ($0.57), Berlin (0.54) and Bern (0.53).

London was ranked ninth - costing $0.48 per conversion. On the other hand the most inexpensive cities to advertise were Skopje in the Republic of Macedonia, Sarajevo in Bosnia and Herzegovinia and Podgorica in Montenegro.

The volume of each city population using Facebook, crossed with their affluence and the demand for ads, were all major drivers of cost.

Check out the full list below.

oslo

european-capitals.jpg

Edit Delete

Ferratum Bank places bond
  • Bond with a total issue volume of EUR 20 million and a 4.90% fixed interest rate per annum
  • Transfer of funding to Ferratum Bank improves financing structure

Helsinki/Berlin, July 22, 2015 - Ferratum Bank Plc, a subsidiary of Ferratum Oyj (ISIN: FI4000106299, WKN: A1W9NS; together with its consolidated subsidiaries hereinafter “Ferratum Group” or “Ferratum”), an international provider of mobile consumer loans and a pioneer in the area of “Financial Technology,” has successfully placed a bond with institutional investors in Germany and other EU countries. The bank has placed an issue volume of EUR 20 million with a denomination of EUR 100,000 as the first tranche under a total bond issue program of EUR 30 million. The bond is guaranteed by Ferratum Oyj. The bond is admitted for trading on the EU-regulated European Wholesale Securities Market (“EWSM”) in Malta. Furthermore, the bond has also been co-listed on the Frankfurt Stock Exchange in the open market segment (Freiverkehr). The bond has a coupon of 4.90% per annum and matures after 18 months. The interest payments are due on July 21, 2016, and January 21, 2017. ICF BANK AG Wertpapierhandelsbank acted as Bookrunner of the transaction.

The bond issue will allow Ferratum to further optimize its financing structure and to replace expiring financings. This refinancing is part of a regular adjustment of corporate financing and therefore will not substantially increase the company`s total debt. Jorma Jokela, the founder and CEO of Ferratum Group, commented on the issue of the bond as follows: “With the bond issue program that we have set up, we aim to shift financing to the level of our bank and thus sustainably improve Ferratum`s financing structure. By doing so, we also want to lay the foundations for the planned introduction of our deposit business. Overall, we are in an excellent position to help shape the digital revolution in the banking sector and provide our customers with more user-friendly products and services in the long-term, thanks to our EU banking license and our established Big Data technology." 

About Ferratum Group:

The Finnish Ferratum Group, a pioneer for mobile consumer loans in Europe, offers short-term consumer loans for private persons. Ferratum`s customers can utilize digital media to apply for consumer credit in amounts varying between EUR 25 and EUR 2,000. Moreover, Ferratum offers successful small businesses installment loans with a term of six to twelve months. Managed by its founder Jorma Jokela, Ferratum has expanded rapidly since it was founded in 2005: Ferratum has 1.0 million active and former customers who have been granted one or more loans in the past and 3.0 million total user accounts in its database (as of 31 March 2015). Ferratum is represented in 22 markets and employed 383 people as of 31 December 2014.


Contact:
Ferratum Group                                
Dr. Clemens Krause, CFO                       
T: +49 30 88715308                             
F: +49 30 88715309                             
M: clemens.krause@ferratum.com
                 
Ferratum Group   
Paul Wasastjerna
Head of Investor Relations
T: +358 40 7248247
F: +358 20 741 1614    
M: paul.wasastjerna@ferratum.com 

cometis AG
Henryk Deter | Mariana Kuhn
T: +49 611 20 58 55-61
F: +49 611 20 58 55-66
M: kuhn@cometis.de




This announcement is distributed by NASDAQ OMX Corporate Solutions on behalf of NASDAQ OMX Corporate Solutions clients.

The issuer of this announcement warrants that they are solely responsible for the content, accuracy and originality of the information contained therein.
Source: Ferratum Oyj via GlobeNewswire

HUG#1940573