Investor Presentaiton

Highlights 2019 Strengthening the position among the TOP 20 banks in Germany Business Strong growth in core business - EUR 3.6 billion increase in loans and advances to customers Significant growth in total assets by more than EUR 6 billion to EUR 84 billion Expansion of digital distribution channels in the business customer segment Results ■ Net interest income of EUR 951 million was slightly above the previous year's figure (2018: EUR 945 million) Earnings with EUR 298m in line with previous year's FY profit Investments in digitization and growth as main cost drivers Risk ■ Further enhancement of asset quality Significantly improved risk result ◉ ■ NPL ratio at a historical low (0.8%) 3 | Investor presentation I May 2020 | IFRS-data as of 31/12/2019 Ratios ■ Return on equity: 9.5% ■ Cost-Income-ratio: 56.7% Equity ratio: 11.2% DKB Deutsche Kreditbank AG

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