Investor Presentaiton

Current corporate concept of DKB Sustainable growth PAY E Client ■ Excellence in all touchpoints ◉ ☐ Convincing customer experiences Sustainability as USP Market ■ > 8m clients until end of 2023 Corresponding growth in the loan portfolio Organisation ■ Crossfunctional organisation structures ■ New type of cooperation and target culture 10 | Investor presentation | May 2020 | IFRS-data as of 31/12/2019 E Processes Scalability and acceleration of the business ■ Conversion of the current process landscape DKB Deutsche Kreditbank AG

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