IKB Deutsche Industriebank AG · This presentation isno substituteforany specificproduct information oranyother information relevantforbusinesspurposes. Accordingly IKB ... (asat23

IKB Deutsche Industriebank AG

29/30 April 2014, London

Disclaimer

This document has been prepared by IKB Deutsche Industriebank AG („IKB“) as an Investor Relation presentation for your information only. Thepresentation is designed to provide an outline of IKB and its business segments for professional and institutional counterparties.

IKB assumes no liability for the accuracy or completeness of any given Balance Sheet or Profit and Loss figures. Please refer to IKB’s annual reports aspublished on our internet website (www.ikb.de) for current and audited financial figures.

This presentation is no substitute for any specific product information or any other information relevant for business purposes. Accordingly IKBexpresses no intent to enter into any contract or even pre-contract negotiation. Hence, IKB assumes no responsibility or liability whatsoever for anyexpense, loss or damage directly or indirectly incurred in connection with the use of this presentation or parts of it.

This presentation may contain forward-looking statements. You are cautioned not to place undue reliance on such statements regarding, e.g.expectations, projections or estimations, because the statements are based on current beliefs and expectations which may transpire as materiallywrong.

This document is copyright protected. It must not be amended or modified. It must not be used for commercial purposes, in whole or in part, without theprior written consent of IKB.

IKB assumes no obligation or guarantee to update this presentation regularly. IKB reserves the right to amend or adjust the presentation or any of itscontent at any time without further notice.

2

http://www.ikb.de

At a Glance

IKB Deutsche Industriebank AG

Founded in 1924

Headquarter in Düsseldorf, Germany

Shareholders: Lone Star: 91.5%, Free float: 8.5%

Financial year: 1 April until 31 March

Key figures as at 31 December 2013; Capital ratios: CRD IV/CRR as at 1 January 2014 incl. 20% phase-in

3

„Bank for the Mittelstand“

Focus on Mittelstand companies (SME)

Long-standing, stable client relationships

High lending competence

Market leader in public programme loan schemes

Capital markets and advisory services

Staff, Locations 1,447 employees (FTE), thereof 402 at IKB Leasing

Locations: Düsseldorf, Berlin, Frankfurt, Hamburg, Munich, Stuttgart; London, Madrid, Milan, Paris

Group Financials

9-month results 2013/14 (April until December 2013):

- Net interest, lease, fee, commission and trading income: € 255 million (9 months 2012/13: € 167 million)

- Administrative expenses: € 211 million (9 months 2012/13: € 220 million)

- Net other income: € -36 million incl. € 265 million fund for general banking risk (9 months 2012/13: € 68 million)

- Net risk provisioning: € -79 million (9 months 2012/13: € -5 million)

- Taxes: € 109 million (9 months 2012/13: € -6 million)

- Consolidated profit: € 39 million (9 months 2012/13: € 4 million)

Group Capital/Liquidity

Total assets: € 25.8 billion

CET 1 ratio: 9.1%; Tier 1 ratio: 11.6%; Total Capital ratio: 14.8%; Leverage ratio: 6.4%

Comfortable liquidity position

The Business Strategy at a Glance

Business Model

Basis

Long-standing client relationships, understanding the needs of the Mittelstand

Ca. 1,400 client groups

Ca. 18,000 leasing customers

11% market share in relevant KfW public programme loans

6.5% market share in long-term loans to the manufacturing industry

Risk

Conservative risk provisioning

Loan book diversified by sector and geography

Low market risk profile

Cost

Business model adjusted

EU requirements fulfilled

SoFFin guarantees redeemed in full and ahead of time

Major legal risks settled

Cost reductions through simplification

4

Focus on Mittelstand companies (SME)

Regional and sectoral client coverage with product competence

Lending only with price and risk discipline

Advisory and capital markets related services

Business model5

Regional Coverage Industry Coverage

Düsseldorf Berlin

Hamburg Frankfurt

Stuttgart Munich

Paris Milan

Chemicals, Pharma&Healthcare

Consumer, Retail&Logistics

Financial Sponsors Industrials/Automotive

Energy&UtilitiesTechnology, Media,

Telecom

Real Estate

ca. 250

Client Coverage (ca. 150)

AdvisoryCredit Financial Markets

M&A/Restructuring

Assets under Management

Structure-&Profit Optimisation

Capital Markets&Derivatives

Institutional Sales

Trading

Syndication

Corporate Principal&PPLS Loans

Leveraged Finance/Acquisition Finance

Product Groups (ca. 100)

Client

As at 31 December 2013

One regional and/or one

industry bankerper client

One regional and/or one

industry andone productbanker per

transaction

Well Defined Target Segments

As at 31 December 2013

Client numbers relate to company groups (sales Germany).

6

~ 8,000

Big Enterprises

SME

SME II

LargeSME

Revenue Segment

Banking Products

IKB Focus

Clients

> € 1 billion ~ 400Complete range ofbanking products

€ 250 million -€ 1 billion

~ 700

Broad range ofbanking productsincl. capitalmarkets

€ 50 million -€ 250 million

Advisory, deriva-tes, acquisitionfinance, paymentprocessing, long-term loans

Payment processing, long-term loans, overdrafts

< € 50 million

Total ~ 2,500

Total Market

~ 600

~ 2,000

~ 10,600

–

~ 1,100

~ 300

IKB‘s Target Clients

Lending Business7

Corporate Loans

Existing clients and target clients allow profitable lending business

Focus on leading and structuring syndicated loans

Complex transactions generate better margins

Strict maturity and profitability criteria

Acquisition Financing Leading provider of acquisition financing in the German mid-cap market

Structuring, underwriting and syndication of loan volumes up to € 500 million

Public Programme LoanSchemes

Leading bank in public programme loan schemes

Close relationships to KfW and the regional development banks

Public programme loan schemes account for 47% of new loans(no funding risk/sometimes credit risk transfer)

Strategy

Rising commission income from advisory and underwriting

Selective new business

Good credit assessment thanks to long-term lending relationship

Short decision-making paths

Fast decisions

Refinancing and Liquidity

Structure of funding (as at 23 April 2014)

8

Public Programme Loan Schemes

Channelling loans by KfW,regional development agencies and EIB

47% of new lending in the first nine months of the financial year 2013/14

Protected by Deposit Protection Fund of the Association of

German Banks

Promissory note loans: € 2.7 billion

Business and private customer deposits: € 6.2 billion

Bearer Bonds/

Further Asset-Based Funding

Repos/ECB

Equity, Hybrids, Subordinated Bonds

Asset-based funding

Bearer bonds, debt issuance programme

Financing of liquidity portfolio

Portfolio serves as collateral

LTRO paid back

Long-term funds

Basel 3

Public programme loan schemes29%

Private customerdeposits

17%

Hybrids, Subordinated,

Others10%

Promissorynote loans

12%

Further secured

long termfunding

3%

Repo fundingtransactions

with EUREX andcentral banks

17%Business customerdeposits

10%

Unsecuredbonds

2%

Funding Structure9

€ billion

8.6 8.2 8.16.4

2.24.8 3.8

3.4

0.4

0.6

3.62.6 3.6

2.6

3.1 3.6

3.8

4.9

4.0 3.5

2.7

6.52.0

1.40.4

0.3

0.4

3.0

2.7

2.5

2.2

0

5

10

15

20

25

30

31 March 2011 31 March 2012 31 March 2013 31 March 2014

Hybrids, Subordinated, Others

Unsecured bonds

SoFFin

Promissory note loans

Private customer deposits

Business customer deposits

Further secured long term funding

Repo funding transactions with EUREX and central banks

Public programme loan schemes

Tie-up of liquidity of all assets and liabilities by maturity

Prolongation of customer deposits assumed in the basis scenario

Net liquidity effect of new business and drawing of liquidity

commitments

Modelling of the business loan portfolio (unscheduled

repayments, insolvencies, etc.) based on back-testing

ECB collateral pool

Liquidity Plan10

€ million

Run-off scenario

Liquidity plan

-1500

0

1500

3000

4500

6000

Apr14

Jul14

Oct14

Jan15

Apr15

Jul15

Oct15

Jan16

Apr16

Jul16

Oct16

Jan17

Apr17

Basis scenario

Liquidity Portfolio*

Structure of the liquidity portfolio as at 31 December 2013

11

Covered Bonds34%

EU, Suprasand Agencies

30%

Government Bonds 28%

Financial Senior

Unsecured 2%

Specials 5%

Cash 1%

EU, Supras and Agencies

30%

Other2% Cash

1%UK2%

France7%

Italy8%

Spain14%

Germany22%

Benelux and Austria

8%

Scandies2%

Eastern Europe

4%

Bond Class Allocation

Country Allocation

AAA44%

AA+13%

AA3%

AA-11%

A+2%

A7%

A-3%

BBB+8%

BBB5%

BBB-2%

BB1%

Cash1%

Credit Rating Allocation

5642 5762 6281 5962 6299

0

2000

4000

6000

8000

31 Mar2010

31 Mar2011

31 Mar2012

31 Mar2013

31 Dec2013

€ million

Development of liquidity portfolio/investment

* Bond portfolio

Regulatory Equity Position of IKB Group

Trends

Ongoing reduction of RWAs

€ 265 million addition of section 340g HGB reserves (April until December 2013)

Participation in ECB’s comprehensive assessment leads to complex management issues and high costs

1) RWA + market risk equivalent + operational risk + credit valuation adjustment risk

2) RWA + market risk equivalent + operational risk

12

€ million 31 Dec 2013 € million 31 Dec 2013 31 March 2013 31 March 2012 31 March 2011

Common Equity Tier 1 1,340 Tier 1 1,826 1,542 1,698 2,120

Additional Tier 1 367 Tier 2 524 672 695 919

Total Tier 1 1,707 Tier 3 0 0 0 0

Tier 2 474 Deductions -14 -44 -137 -149

Own Funds 2,181 Equity 2,336 2,170 2,256 2,890

Total RWA1) 14,777 Total RWA2) 13,906 15,763 17,301 18,221

CET 1 Ratio in % (CRR) 9.07 Tier 1 ratio in % 13.08 9.65 9.42 11.23

Total Capital Ratio in % 14.76 Capital ratio in % 16.80 13.77 13.04 15.86

Total Assets (€ billion) 25.8 (HGB) 25.8 (HGB) 27.6 (HGB) 32.6 (HGB) 31.4 (IFRS)

Basel 2CRD IV/CRR

Non-strategic portfolio

- Legacy portfolio without active customer support

- Active management

- Equity-preserving reduction

Value-at-risk

- Further increase as a result of financial/debt crisis

- Essentially determined by credit and interest rate risks

Reduction of Non-Strategic Portfolio and VaR

Value-at-risk (99% confidence level, 1-day holding period)

Current structure of non-strategic portfolio

13

8952

65315231

47713744

0

2000

4000

6000

8000

10000

31 Mar2010

31 Mar2011

31 Mar2012

31 Mar2013

31 Dec2013

Real estatefinance

24%PFI/PPP

23%

Project finance13%

Export finance2%

Acquisitionfinance

7%Securities

20%

Portfolio investments11%

€ million

25.9

43.9

56.1

46.050.1

0

20

40

60

31 Mar2010

31 Mar2011

31 Mar2012

31 Mar2013

31 Dec2013

€ million

Non-strategic portfolio

Key Factors

Risk Costs and Coverage

Provision for possible loan losses NPA ratio and coverage1)

1) NPA ratio: (NPAs/Credit volume + Valuation discount on securities; NPA coverage: (Loan loss charges and provisions + Valuation discount on securities)/NPAs2) calculation changed: figures based on the former basis as at 31 March 2010: 7.9% NPA ratio, 48% NPA coverage

PL-Quote und -Coverage*

14

Since 2010: Decrease due to the strong economic development,

particularly in Germany and balance sheet reduction

As at 31 December 2013 (HGB)

- NPAs: € 850 million

- Loan loss charges and provisions: € 428 million

- Valuation discount on securities: € 39 million

% %€ million

6.76.0

5.5

4.03.6

3.1

4947 47 46 44

55

0

10

20

30

40

50

60

0

2

4

6

8

10

12

31 Mar2009

31 Mar2010

31 Mar2011

31 Mar2012

31 Mar2013

31 Dec2013

NPA ratio NPA coverage

2)

590

494

79

2616

71

5

79

0

100

200

300

400

500

600

2008/09 2009/10 2010/11 2011/12 2012/13 2013/14

IFRS HGB (net risk provisioning) 9 months

MechanicalEngineering

5%

EnergySupply

3%Services

3%

MetalManufac-

turingProducts

3%Retail

3%

Other Industrial Sectors

26%

Real Estate3%

Financial Sector

7%

Banks24%

Public Sector14%

RiskTransfers

9%Rating 1-4 (AAA to A)

27%

Rating 5-7 (A- to BBB)

31%

Rating 8-10 (BBB- to BB)

18%

Rating 11-13 (BB- to B)

8%

Rating 14-15 (B- to CC)

2%

Problem Exposures

4%

RiskTransfers

9%

Diversified Loan Portfolio

Credit volume by rating (as at 31 December 2013) Credit volume by sector (as at 31 December 2013)

15

Two thirds of loan book are rated better than BBB High granularity of loan portfolio

No industrial sector accounts for more than 5%

€ 26.9 billion

€ 26.9billion

Legal Issues16

Rhineland Funding,

Havenrock I,

Havenrock II,

Rhinebridge

Legal risks of major portfolio investments settled

Continuing third party indemnification

Lehman Settlement in November 2013, no further legal risks

Legal Proceedings

Due to Alleged

Incorrect Capital

Market Information

Ca. 10 individual suits with a volume of ca. € 0.75 million

Special Audit Assessment whether there is negligence by members of Board of Managing Directors and members of the

Supervisory Board in connection with the IKB crisis

No direct damage claims

Results

Consolidated net result Net result IKB AG (HGB)

-11

-580

-967

21

-517

-424

-143

4391)

-1000

-800

-600

-400

-200

0

2007/08 2008/09 2009/10 2010/11 2011/12 2012/13 2013/14

IFRS HGB 9 months

17

-1761

-861

-349

-190-255

-162-76

01)

-2000

-1800

-1600

-1400

-1200

-1000

-800

-600

-400

-200

0

2002007/08 2008/09 2009/10 2010/11 2011/12 2012/13 2013/14

FY 9 months

€ million € million

1) € 265 million addition of section 340g HGB reserves in the first nine months of the financial year 2013/14

Profit Components

Net interest income Net fee and commission income

18

€ million

303

179144 154

211 210

172

227

0

100

200

300

400

2008/09 2009/10 2010/11 2011/12 2012/13 2013/14

IFRS HGB (Net interest and lease income) 9 months

33

-52

-93

-63 -59

5

-4

22

-150

-100

-50

0

50

100

2008/09 2009/10 2010/11 2011/12 2012/13 2013/14

IFRS HGB 9 months

€ million

Improved performance in the liquidity portfolio

Refinancing costs decreased

Reduced credit volume due to EU requirements

Increased net interest income with declining credit volume

€ 343 million SoFFin fees were net fee and commission expenses

thereof SoFFin fees

(77) (126)(5) (33)(102) (0)(33)

Administrative Expenses

Staff expenses Other administrative expenses

19

Employees€ million

179164 167

159 164 159

117 121

1718

1537 1557 15161457 1447

500

1000

1500

2000

0

100

200

300

2008/09 2009/10 2010/11 2011/12 2012/13 2013/14

IFRS HGB 9 months Employees (FTE as at period end)

€ million

196

137154

138 138145

10490

0

50

100

150

200

250

2008/09 2009/10 2010/11 2011/12 2012/13 2013/14

IFRS HGB 9 months

Gradual reduction of staff

Hiring of specialists to execute the business model

Additional expenses from regulatory requirements

Process optimisation projects

Legal and consultancy costs are decreasing

Costs due to new product/team offers

IKB Today – A Strong Franchise

Strong Client Franchise

Ca. 1,400 client groups with increasing need for broader product range

Less than 1% of assets of German banks

6.5% market share in long-term loans to the manufacturing industry

11% market share in relevant KfW public programme loans

Long-standing client relationships

Leading position in public programme loan schemes

Increasing strength in mid-cap acquisition financing

Derivatives and capital markets services

M&A and restructuring advice

Ca. 100 product specialists

Broad business expertise

Profound market knowledge

Deep industry insight

20

Lending

Advisory and

Capital Markets

Expertise

Risks

Decreasing NPA ratio, structured credit investments limited

Low interest rate, FX and volatility risks

Legal risks largely resolved

Solid Capital Base Group Common Equity Tier 1 ratio: 9.1% (Basel 3)

Sufficient Funding Diversified funding

€ 6.2 billion customer deposits, € 2.7 billion promissory note loans

Outlook21

Focus on SME clients Client coverage integrating regional, sectoral and product competence

Increasing Revenues

Profitable new lending business

Increasing share of advisory, derivative and capital markets revenues

Reduction of non-strategic investments

Reducing Costs

Reduction of administrative expenses

Process optimisation

Reducing complexity

Risk Management

Conservative criteria for new loans

Restrictive management of market risks

Transparency and open culture of communication

Appendix

Consolidated Income Statement 9-Months 2013/1423

€ million

1 Apr 2013

to 31 Dec 2013

1 Apr 2012

to 31 Dec 2012 Change

Net interest and lease income 227 172 55

Net fee and commission income 22 -4 27

Net trading results 6 -1 7

Administrative expenses -211 -220 9

Personnel expenses -121 -117 -4

Other administrative expenses -90 -104 14

Net other income1) -36 68 -104

Net risk provisioning -79 -5 -74

Result from ordinary business activities -70 10 -80

Taxes 109 -6 115

Consolidated net profit 39 4 35

Some totals may be subject to discrepancies due to rounding differences.1) Inclusive addition of € 265 million made to the fund for general banking risks, which is also common equity tier I capital under Basel 3. This addition is recognised as an expense

under other comprehensive income; the common equity tier I capital of IKB was increased by a corresponding amount.

Consolidated Income Statement 2012/1324

€ million

1 Apr 2012

to 31 Mar 2013

1 Apr 2011

to 31 Mar 2012 Change

Net interest and lease income 210 211 -1


Net trading results 1 0 1

Administrative expenses -304 -302 -2

Personnel expenses -159 -164 5

Other administrative expenses -145 -138 -7

Net other income 21 -252 273


Result from ordinary business activities -137 -416 279

Taxes -6 -8 2

Consolidated net loss -143 -424 281

Some totals may be subject to discrepancies due to rounding differences.

Income Statement IKB AG 9-Months 2013/1425

€ million

1 Apr 2013

to 31 Dec 2013

1 Apr 2012

to 31 Dec 2012 Change

Net interest and lease income 154 60 94


Net trading results 6 -1 7

Administrative expenses -180 -189 9

Personnel expenses -96 -92 -4

Other administrative expenses -84 -97 13

Net other income1) -48 67 -115


Result from ordinary business activities -112 -73 -39

Taxes 112 -2 114

Net profit/loss 0 -76 76

Some totals may be subject to discrepancies due to rounding differences.1) Inclusive addition of € 265 million made to the fund for general banking risks, which is also common equity tier I capital under Basel 3. This addition is recognised as an expense

under other comprehensive income; the common equity tier I capital of IKB was increased by a corresponding amount.

Income Statement IKB AG 2012/1326

€ million

1 Apr 2012

to 31 Mar 2013

1 Apr 2011

to 31 Mar 2012 Change

Net interest and lease income 150 517 -367


Net trading results 1 1 1

Administrative expenses -258 -255 -3

Personnel expenses -124 -128 4

Other administrative expenses -134 -127 -7

Net other income 8 -454 462


Result from ordinary business activities -162 -247 85

Taxes 0 -8 8

Net loss -162 -255 93


Balance Sheet of IKB Group as at 31 December 201327

ASSETS

€ million 31 Dec 2013 31 Mar 2013

EQUITY AND LIABILITIES

€ million 31 Dec 2013 31 Mar 2013

Cash reserve 194 87 Liabilites to banks 11.094 11,863

Receivables from banks 2,034 2,219 Liabilities to customers 9.922 10,882

Receivables from customers 13,045 14,707 Securitised liabilities 1.060 987

Bonds and other fixed-income securities 7,770 7,855 Trading liabilities 278 242

Equities and other non-fixed-income

securities 569 497

Other liabilities 553 512

Assets held for trading 254 266 Provisions 273 458

Equity investments 25 27 Deferred income 168 146

Investments in associates 45 15 Subordinated liabilities 970 1,374

Investments in affiliated companies 3 2 Profit participation capital 32 32

Lease assets 1,226 1,365 Fund for general banking risk 436 171

Intangible assets 16 19 Equity 990 952

Tangible assets 10 13 Subscribed capital 1.622 1,622

Other assets 208 286 Capital reserves 1.751 1,751

Prepaid expenses 112 72 Revenue reserves 5 5

Deferred tax assets 231 148 Currency translation differences -18 -17

Excess of plan assets over pension

liability 33 40

Net accumulated losses for current

financial year -2.370 -2,408

Total assets 25,775 27,617 Total equity and liabilities 25.775 27,617


Balance Sheet of IKB Group as at 31 March 201328

ASSETS

€ million 31 Mar 2013 31 Mar 2012

EQUITY AND LIABILITIES

€ million 31 Mar 2013 31 Mar 2012

Cash reserve 87 19 Liabilites to banks 11,863 13,209

Receivables from banks 2,219 2,580 Liabilities to customers 10,882 10,021

Receivables from customers 14,707 16,045 Securitised liabilities 987 5,352

Bonds and other fixed-income securities 7,855 10,578 Trading liabilities 242 139

Equities and other non-fixed-income

securities 497 1,125

Other liabilities 512 490

Assets held for trading 266 222 Provisions 458 422

Equity investments 27 38 Deferred income 146 150

Investments in associates 15 19 Subordinated liabilities 1,374 1,472

Investments in affiliated companies 2 2 Profit participation capital 32 36

Lease assets 1,365 1,411 Fund for general banking risk 171 190

Intangible assets 19 18 Equity 952 1,090

Tangible assets 13 15 Subscribed capital 1,622 1,621

Other assets 286 268 Capital reserves 1,751 1,751

Prepaid expenses 72 49 Revenue reserves 5 27

Deferred tax assets 148 152 Currency translation differences -17 -18

Excess of plan assets over pension

liability 40 31

Net accumulated losses for current

financial year -2,408 -2,291

Total assets 27,617 32,570 Total equity and liabilities 27,617 32,570


Loss Participation of the Hybrids29

Maturity ISIN

Total repayment

amount before

loss participation

in €

Denomination

to original

nominal

amount

before loss

participation

in €

Repayment amount per item after loss participation

2007/08

in €

2008/09

in €

2009/10

in €

2010/11

in €

2011/12

in €

2012/13

in €

2015 DE0002731197 30,000,000 100.00 52.72 17.53 3.94 0.14 0.00 0.00

2017 DE0002731429 50,000,000 1,000.00 527.17 457.30 387.48 349.45 298.28 268.41

2017 DE0002731569 70,000,000 50,000.00 26,358.25 22,865.15 19,373.81 17,472.39 14,913.82 13,420.28

2015 DE000A0GF758

(ProPart Funding) 150,000,000 50,000.00 26,358.25 8,766.12 1,972.27 71.53 0.00 0.00

Final

Maturity ISIN

Total repayment

amount before

loss participation

in €

Repayment

amount

per security

before loss

participation

in €

Proportionate repayment amount of silent partner contributions per security

after loss participation

2007/08

in €

2008/09

in €

2009/10

in €

2010/11

in €

2011/12

in €

2012/13

in €

Open DE0007490724

(Capital Raising) 200,000,000 100.00 52.72 17.53 3.94 0.14 0.00 0.00

Open DE000A0AMCG6

(Hybrid Raising) 200,000,000 100.00 52.72 17.53 3.94 0.14 0.00 0.00

Fundamentally Transformed30

Stabilisation

Restructuring

Restoring Profitability

IKB today

2007 2010 20122008 2009 2011 2013 2014

Ring-fencing of structured investments

KfW stabilisation measures

Protecting franchise

Liquidity secured

Secured capital position

Cleaned-up asset base

Improved risk management

EU requirements practically fulfilled

Reduced costs

Realigned business model

Use of market potential

- From credit focus to client focus- Client base in line with potential

Efficient use of resources

- Funding: public programme loan schemes, syndication, deposits, repos

- Capital: securitisation, sale of risk assets, risk transfers to third parties

SoFFin-Guarantee Framework31

5.00

12.00

10.009.80 9.70 9.60 9.50

8.60

7.30

6.10

5.00

4.504.25

4.003.75

1.751.50

0.85 0.750.35

0.000,00

2,50

5,00

7,50

10,00

12,50

Dec2008

Aug2009

Feb2010

Nov2010

Dec2010

Feb2011

Mar2011

Apr2011

Aug2011

Jan2012

Mar2012

Mar2012

May2012

Aug2012

Aug2012

Sep2012

Sep2012

Oct2012

Oct2012

Nov2012

Dec2012

€ billion

early per day of maturity

Ca. € 343 million fee expenses in total

No restrictions in future due to early and full redemption, regarding:

- Tier 1 ratio (SoFFin)

- Restriction for repurchase of own liabilities (EU)

- Proprietary trading (EU)

12.50

10.00

7.50

5.00

2.50

0

SoFFin returns

Credit Volume in Western Europe by Risks – IKB Group (as at 31 Dec 2013)

Some totals may be subject to discrepancies due to rounding differences.1) Bank exposures in Spain and Italy contain primarily covered bonds 2) European Commission, European Financial Stability Facility (EFSF) and European Investment Bank

3) Portfolio investments of € 55 million by special purpose entities are included in the figure for Ireland

32

€ millionCredit volume

after risk mitigationthereof

public sector

thereof banks and

financial sector1)

thereof other counterparty

risks

UK 2,321 683 1,637 0

Italy 1,651 345 183 1,123

France 1,617 574 898 145

EU2) 1,609 0 945 663

Spain 1,358 474 640 244

Netherlands 420 105 210 106

Austria 316 49 94 173

Ireland3) 273 85 63 124

Switzerland 164 79 85 0

Finland 147 43 4 99

Denmark 97 0 7 91

Belgium 97 17 77 2

Portugal 64 39 25 0

Other 97 87 11 0

Total 10,231 2,580 4,881 2,770

Credit Volume by Region – IKB Group (as at 31 Dec 2013)

1) Hermes guarantees, indemnifications, risks transferred

33

31 Dec 2013in € million

31 Dec 2013in %

Germany 11,944 44

Outside Germany 12,497 46

Western Europe 10,231 38

Eastern Europe 1,145 4

North America 1,072 4

Other 48 0

Subtotal 24,440 91

Risk transferred to third parties1) 2,505 9

Total 26,945 100

EU Conditions of no further relevance 34

Balance Sheet Reduction of total assets to € 33.5 billion

Winding up non-strategic assets

Real Estate Finance

Discontinuation of new business

Reduction of portfolio

Closure of real estate related subsidiaries

International Operations

Liquidation of IKB Capital Corporation (N.Y.)

Closure of Amsterdam office

Closure of Luxemburg operations

Remaining Conditions Limited buyback of own liabilities

Limited proprietary trading

Reduction of Assets

Discontinuation of Operations

Winding Up of Certain Operations

Further Restrictions

35

Public programme loans

European development banks

Municipalities

amongst others

Public ProgrammeLoan Schemes

Global Loans

Special Products

Development Banks

On-lending Banks/‘Hausbank’

Corporate Customers

Enterpriseswith total sales of max.

€ 500 million (up to € 3,000 million

for selected programs)

andmunicipalities

respectively

16 state owneddevelopment banks

KfWgovernment owned

Offer funding at favourableconditions for investments eligible to public loan schemes

based on their AAA-Rating and public funds

Run the application process Get cheap funding if approved

and on-lend the programme to the borrower

Still bear the credit risk

get “cheaper money” get long-term financing need to make sure, that

investment is in adherence with the requirements of the Loan Programme

Selected Transactions (1)

Public programme loans Acquisition finance

Syndicate financing

36

Financier

Investment Financing by KfW Public

Programme Loans

Undisclosed

January 2014

Advisor & Financier


Programme Loans

Undisclosed

February 2014

Financier


Programme Loans

€ 13,500,000

February 2014

Financier


Programme Loans

Undisclosed

December 2013

Mandated Lead Arranger

Leveraged Buy-out of ZellBios by DPE Deutsche Private

Equity GmbH

€ 125,000,000

February 2014

Lead Arranger

Refinancing and Acquisition of the ACP-Shares by 3i

€ 875,000,000

November 2013

MLA & Bookrunner

Senior Debt for the Majority Takeover of

Adler Modemärkte AG by steilmannHolding AG

€ 71,100,000

March 2013


Refinancing and Acquisition of NOCIBÈ

by Douglas/Advent

€ 530,000,000

November 2013

Senior Lead Arranger

Syndicated Loan

€ 980,000,000

January 2014

Lead Arranger

Syndicated Loan

€ 85,000,000

June 2013

Arranger

Syndicated Financing

€ 252,000,000

August 2013

Arranger & Agent

Syndicated KfWPublic Programme

Loan

€ 119,000,000

January 2013

MLA & Bookrunner

Syndicated KfWPublic Programme

Loan

€ 25,000,000

May 2013

Underwriter, MLA & Bookrunner

Syndicated Loan

€ 475,000,000

July 2012

MLA & Bookrunner

Syndicated Loan and Prime Standard Bond

€ 260,000,000

October 2012


Syndicated Loan

€ 500,000,000

July 2012

Selected Transactions (2)

Capital market solutions (equity, mezzanine) Capital market solutions (debt)

Advisory (M&A, restructuring, financial risk, corporate finance)

37

Sole Financial Advisor

Individual Mezzanine

Undisclosed

April 2013

Advisor & Arranger

Mezzanine Capital

Undisclosed

June 2012

Advisor & Arranger

Individual Mezzanine

€ 10,000,000

April 2011

Co-Bookrunner

High-Yield BondCoupon: 8.500%Maturity: 2019

€ 200,000,000

November 2013

Joint Bookrunner

Mid-Cap BondCoupon: 7.500%Maturity: 2018

€ 30,000,000

October 2013

Co-Manager

High-Yield BondCoupon: 7.750%Maturity: 2018

€ 250,000,000

September 2013

Arranger

Promissory Note LoanMaturities: 2015,

2016, 2017

€/$ 300,000,000

June 2013

M&A Advisor

Acquisition of backWERK

Undisclosed

January 2014

M&A Advisor

Advisory of the Shareholders on the

Sale

Undisclosed

March 2014

M&A Advisor

Sale of a Participation in a Wind Farm

Undisclosed

January 2013

M&A Advisor

Advisory of the Shareholders on the

Sale

Undisclosed

September 2012

M&A Advisor

Acquisition of Shares by Capital Increase

International Family Office

€ 25,000,000

May 2012

M&A Advisor

Advisory on the Purchase of DIHAG Group (discontinued)

Private Equity

Undisclosed

April 2012

M&A Advisor

Capital Increase by Entry of new Shareholders

Tricor Packaging & Logistics GmbH

Undisclosed

August 2011

M&A Advisor

Buy-side Mandate (for the German Market)

International Company, Paper and Packaging

Undisclosed

August 2011

Originator & Asset Servicer

Access to Mezzanine

Financing of VALINFUNDS

Undisclosed

December 2013

Contact38

Copyright:April 2014Publisher: IKB Deutsche Industriebank AG, Wilhelm-Bötzkes-Straße 1, 40474 Düsseldorf, GermanyLegal Form: AktiengesellschaftRegistered Office: DüsseldorfCommercial Register (Handelsregister): Amtsgericht Düsseldorf, HR B 1130Chairman of the Supervisory Board: Bruno ScherrerChairman of the Board of Managing Directors: Hans Jörg SchüttlerBoard of Managing Directors: Dr Dieter Glüder, Claus Momburg, Dr Michael H. Wiedmann

Bernd ClaußenHead of Treasury & Investments

IKB Deutsche Industriebank AGWilhelm-Bötzkes-Straße 140474 Düsseldorf, Germany

Telephone +49 211 8221-4044E-mail [email protected]

Dr Jörg ChittkaHead of Investor Relations

IKB Deutsche Industriebank AGWilhelm-Bötzkes-Straße 140474 Düsseldorf, Germany

Telephone +49 211 8221-4349E-mail [email protected]

IKB Deutsche Industriebank AG · This presentation isno substituteforany specificproduct information oranyother information relevantforbusinesspurposes. Accordingly IKB ... (asat23

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