Ferratum Oyj provided earnings guidance for the fiscal year 2018. For the period, the company estimates revenues of EUR 280 million and EUR 310 million, with the operating profit margin (EBIT margin) expected to be within the range of 13% and 16%. Ferratum Oyj bases this guidance on certain assumptions, including: Moderate expectations on the 2018 contribution of new revenue streams from partnerships, mobile bank innovations. Consumer credit volumes continue to grow, exceeding the market average, based on new customers, continued diversification of consumer lending products and growth in new markets. Ferratum Business (SME) continues to grow as market share in the 6 existing markets is small and expected to increase. Ferratum also plans to introduce Ferratum Business in additional markets. Ferratum Mobile Bank is to be introduced in additional countries and will generate new customers, increased customer loyalty, cross-selling opportunities, increased deposit volume and diversified deposit currencies. Stable capital market conditions. No unexpected significant new regulatory challenges or changes. The application of IFRS 9, which is effective from 1 January 2018 will have no material impact on credit losses in the Group's Consolidated Income Statement.