Investor Presentaiton

Retail clients Growth and digitisation drivers 2000 Internetbank ohne Filialen. 2013 2015 SOFORT webID solutions gini 2017 CLARK 2018 HEUTE Pay G Pay NNFC 2014 PayPal 2016 FINREACH CODE FACTORY (DKB); WECHSELPILOT Digital (further) development and cooperation with Fintechs as a long-term strategy *Source: Annual reports, corporate press releases for 2019 14 | Investor presentation | May 2020 | IFRS-data as of 31/12/2019 3.2m accounts 2.8m accounts 1.7m accounts DKB Das kann Bank .comdirect Market leader in current accounts among the top online banks* DKB Deutsche Kreditbank AG

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