Deutsche Bank (DBK) Client & Creditor Overview presentation summary

Strategic positioning and business model

• Operates as a leading global bank with four complementary businesses: Corporate Bank, Private Bank, Investment Bank, and Asset Management, serving clients worldwide since 1870.

• Offers a broad suite of products including daily banking, wealth advisory, lending, investment, insurance, capital markets, payments, and risk management solutions.

• Maintains a global network with local expertise, leveraging digital channels and personal advice.

• Assets under management total approximately €1.9tn, with €491bn in loans and €698bn in deposits as of Q2 2026.

Financial performance and profitability

• Achieved record H1 2026 profit of €4.1bn, with revenues of €17.2bn and a return on tangible equity (ROTE) of 11.9%.

• All divisions delivered ROTE of 12% or higher in H1 2026, with notable growth in Private Bank and Asset Management.

• Tangible book value per share increased to €31.20 in Q2 2026, reflecting improved profitability.

• Cost/income ratio at 60.9%, with a target of below 60% by FY 2028.

Capital, liquidity, and risk management

• CET1 ratio stands at 13.9%, within the operating range of 13.5-14.0%.

• Maintains €117bn in total loss-absorbing capacity, significantly above regulatory requirements.

• Liquidity coverage ratio at 140% and net stable funding ratio at 119% as of Q2 2026.

• Provision for credit losses remains controlled, with a normalized run rate of ~30bps and strong portfolio quality.