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Investor Presentaiton

Funding of DKB Diversified refinancing options Customer deposits Primary funding source, diversified through all client segments 5% 1% 11% Development banks Pass-through and global loans 15% (e.g. from KFW, EIB, Rentenbank) Liabilities** 68% Capital markets funding Since 2006 mainly via Pfandbriefe, 2016 and 2017 Green Bonds respectively, Since 2018 Social Bonds, first Retail Social Bond as well as first Blue Social Bond *Treasury perspective without registered bonds held by non-banks **In relation to total assets 30 | Investor presentation | May 2020 | IFRS-data as of 31/12/2019 ■Customer deposits* Development Banks Capital market Equity capital Other DKB Deutsche Kreditbank AG

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