1. 30 November 2018
Saudi International SMEs Forum SME’s in Germany Presentation by Ashok Aram CEO Deutsche Bank AG Middle East & North Africa
May 2013

2. Saudi International SMEs Forum
German SME’s: Industry dominates 1
German SME’s: Family run 2
4,400 corporations above EUR 50m Turnover
Ownership by generations
Services
28.2%
26.9%
17.7%
Trading
12.6%
Industry
9.1%
5.8% 1 2 3 4 5
generations
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2010 DB Blue template

3. Saudi International SMEs Forum
German SME’s: Highly export driven 3
German SME’s: Big job creators 4
Average
Employees
(#)
6.1
Industry
22.9
27.1
43.9
Industry
13.4
24.1
28.4
34.1
1,888.9
462.7
Trading
40.9
32.7
12.7
13.7
Trading
53.0
20.9
10.4
15.7
Services
63.0
25.9
7.4
3.7
Services
47.3
21.1
10.5
21.1
1,909.9
Export share 2011
Employees 0%
1 - 24% %
50% or more
249 or <
1,000 or <
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2010 DB Blue template

4. Saudi International SMEs Forum
German SME’s: Sources of Financing
in %
3.0
Financing from Cashflow
87.6
9.4
Bank Loans
45.3
24.6
30.1
Entity Capital
38.3
18.4
43.3
Leasing/ Factoring
22.8
19.7
57.5
Development Credit
15.1
17.1
67.8
Beiteiligungskapital
8.2
10.7
81.1
Capital Markets
6.1
7.4
86.5
Mezzanine Capital
5.1
6.1
88.8
Very High - High
Moderate
Low - Very Low
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2010 DB Blue template

5. 11/30/2018
Saudi International SMEs Forum SME’s in our home market represents a strong backbone for Deutsche Bank Group 1
Significant contribution of Mid Corps/ SMEs to the German economy ... 2
... with 1,000 world market leaders and highly recognized brands ...
Contribution to German economy (in %)
Turnover
Jobs 3
… driven by innovative and globally operating corporates … 4
… which position German industry well to benefit from demand of growth regions
Investment goods1 share of total exports (in %)
EMU2
Top patent registrars (2011, # of patents)
Top exporters (Exports in 2011, EUR tn) 48 #1
~60k #1
~1.4 39
~47k #2
~1.1 #3
~33k #3
~1.0 36
Machinery & transportation equipment 2 Austria, Belgium, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Slovakia, Slovenia, Spain
Source: Deutsche Bank Research, European Patent Office Annual Statistics 2011, IMF (as of 2011), OECD, The Conference Board Total Economy Database™ (January 2012)

6. Saudi International SMEs Forum SME Banking in Germany – opportunity for further growth: EUR 10bn additional commitment till 2015
Corporate & Commercial Banking
Client needs
Market segments
Turnover in EUR m
Corporates
Number
Wallet size
in EUR bn
INDICATIVE
Access to global network
Cutting edge credit & capital markets expertise
Complex risk management, cash management and trade finance solutions
Global industry and advisory expertise
~500 ~8
>1,000
250-1,000
SME
Client
Base
~1,450 ~5
Local client proximity through branch network
Personal coverage by dedicated relationship manager
Integrated advice on private and corporate assets
State-of-the-art core products, with market- driven pricing
2.5 -
250
~182,000
~17
<2.5
~2,930,000 ~9
~3,114,000
~39
Source: McKinsey Global Banking Pools, Deutsche Bank XX
Wallet size for respective market segment, 2011, in EUR bn

7. Saudi International SMEs Forum Deutsche Bank: SME Germany
5 main regions
18 sub-regions
Dedicated teams
Household names
Hidden champions
Innovation leaders
Coverage
Specialists
Credit Risk Management
Corporate Banking
Relationship Manager
Trade Finance & Cash Management
Foreign Exchange/ Risk Management
Capital Market & Specialized Finance
Wealth Management
Asset & Wealth Management
Pension Planning
11/30/2018 9:57:28 PM
2010 DB Blue template