Investor Presentaiton

Public cover assets in comparison By region* ■ Germany ■ Greece ■Ireland ■Italy ■ Portugal ■ Spain ■Rest of Europe ■Others Deutsche Kreditbank Stadtsparkasse Hannover Stadtsparkasse Düsseldorf Sparkasse Köln Bonn M M Warburg Landesbank Berlin Kreissparkasse Köln BayernLB NordLB LBBW Helaba DB Privato u. Firmenkundenbank Unicredit Bank Münchener Hyp DSK Hyp Berlin Hyp Hamburg Commercial Bank DZ Hyp DekaBank SaarLB Aareal Bank Deutsche Hypo Commerzbank Dt. Pfandbriefbank 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% * in % of the cover pool (without "further cover assets" according to para. 20 (2) No. 1 and 2 Pfandbrief Act and derivatives) Source: BayernLB Research, as of 31/12/2019 35 | Investor presentation | May 2020 | IFRS-data as of 31/12/2019 In line with our business model 100% German cover assets DKB Deutsche Kreditbank AG

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