Investor Presentaiton

Mortgage cover assets in comparison By type of use* Deutsche Kreditbank Bausparkasse Schwäbisch Hall PSD Bank Rhein Ruhr PSD Bank Nürnberg INGDiBa Commerzbank Santander Consumer Bank Wüstenrot Bausparkasse Münchener Hyp DB Privato u. Firmenkundenbank Stadtsparkasse Hannover Kreissparkasse Köln Deutsche Apotheker0 und Ärztebank Sparkasse KölnBonn Stadtsparkasse Düsseldorf Hamburger Spk Unicredit Bank NordLB Landesbank Berlin DZ Hyp LBBW Berlin Hyp DSK Hyp Helaba Deutsche Hypo M M Warburg Hamburg Commercial Bank Dt. Pfandbriefbank BayernLB Aareal Bank Natixis Pfandbriefbank SaarLB DekaBank ■Residential ■Commercial ■ Others Share of residential housing > 90% 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 37 | Investor presentation I May 2020 I IFRS-data as of 31/12/2019 DKB Deutsche Kreditbank AG

View entire presentation