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Investor Presentaiton

Mortgage pfandbrief cover pool Overview Thuringia 6% Cover assets Number Volume Schleswig Holstein 2% Baden-Württemberg 4% Bavaria 4% Residential loans 39.220 2.146 Housing-industry investors 3.343 4.621 Saxony-Anhalt 8% Saxony 11% Berlin 13% Other cover assets 8 310 Brandenburg 12% Saarland 0% Total 42.571 7.077 Rhineland-Palatinate 1% Bremen 1% Volumen in Mio. EUR Key figures* Northrhine-Westphalia 14% Lower Saxony 5% Meckenburg Western Pomerania 9% Outstanding bond volume (EURM) 4.409 Private Rating Moody's Aaa Place- Bearer ment Bonds Over-collateralization required by 51% 9.5% 39% Moody's NPV over-collateralization 57.7% Collateral score 6.7% * As of December 2019 Source: Moody's 36 | Investor presentation I May 2020 I IFRS-data as of 31/12/2019 Hamburg 3% Hesse 7% ☐ 100% German assets Very high granularity Housing-industry investors are mainly residential property companies Rating over-collateralization requirements significantly exceeded DKB Deutsche Kreditbank AG

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