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Investor Presentaiton

Corona-impact due to DSGV-scenario analysis As of 01/04/2020 (for corporate and individual clients only) Loan Volume (EURbn) 30 20 20 Housing 22,7 Local authorities & social infrastructure 13,8 10 10 Food & agriculture 3,7 Environmental technologies 8,6 Other corporates (incl. tourism) 1,4 Corona impact scenario ■ German Savings Banks Association (DSGV) has published a scenario analysis regarding the impact of Covid-19 Based on economic sectors and DSGV industry forecast ■ Considers supply shortfalls, the drop in demand and the government interventions Impact index (6 = strong impact of crisis, 1 = low) "Translation" of the impact index into DKB client groups DKB Deutsche Kreditbank AG Individual clients 2,7 Energy & supply 6,5 0 1 2 3 4 5 6 Impact index Source: DSGV and DKB 5 | Investor presentation I May 2020 | IFRS-data as of 31/12/2019
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