FinTech & InsurTech: Company presentation by Daniel Kreis, Deutsche Handelsbank at the NOAH Conference Berlin 2019, 13-14 June - STATION.

1. Deutsche Handelsbank –
The Bank for Digital Start-up & Growth Companies
Daniel Kreis, CEO Deutsche Handelsbank AG
Noah Berlin 2019

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3. Deutsche Handelsbank | Company Presentation page 2
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Markets have shifted strongly towards tech and e-commerce driven companies over the last 10
years …
THE MARKET OPPORTUNITY – FOLLOWING NEED & MONEY
2019 (May)2007 (December)
Global top-10 companies by market capitalisation 2007 vs 2018
OtherTech & e-commerce
Their business models have
typically shifted away from
traditional asset based models
The economic reality has
strongly shifted towards Tech
& e-commerce companies
Leveraging new technologies, they
have largely overtaken
incumbents in many sectors
Source: S&P Capital IQ

4. Deutsche Handelsbank | Company Presentation page 3
… Banks however have not been able to adapt to this new reality. This created the window of
opportunity for Deutsche Handelsbank to step in
THE MARKET OPPORTUNITY – FOLLOWING NEED & MONEY
Traditional banks still focus on
traditional asset based
financing models
Start-up & Growth Companies
however require funding based on
business & immaterial assets
DHB is filling this gap and provides
fitting financing solutions in the
digital era
Companies
Banks
Relativemarketshare
2015 2025
Companies
Banks
TraditionalBusinessDigitalBusiness

5. Deutsche Handelsbank | Company Presentation page 4
Generating revenue from lending, payment transactions, and other services across a portfolio of digital
companies
THE BUSINESS MODEL OF DEUTSCHE HANDELSBANK
Processing of payment
transactions
Credit lines via
overdraft facilities
Amortisation loan
schemes
Provide services
requiring a license
Scalable financing
solutions
Automated small ticket
lending to SMEs
Fintech BankingBanking-as-a-ServiceGrowth FinancingPayment Transactions
(Unternehmerkredit)
Volume ’18A: €37bn Volume2: ~€ 200m Volume2: ~€ 40m
Clients2: ~180
Ticket: € 50 – 500k
Volume2: ~€50m
Clients2: ~10
Volume: > € 5m
Clients2: ~120+
Ticket: € 0,5 – 10m
Clients1: ~1,500
Note: Based on total extended credit lines (1) As of December 2018, (2) As of May 2019
www.unternehmerkredit.com

6. Deutsche Handelsbank | Company Presentation page 5
GrowthFinancing
DHB’s primary focus is on growth phase companies. With the growth of the bank, we are able to
support our clients a step further every day
GROWTH FINANCING – THE DEBT FACILITY FOR START-UPS
* Logo‘s represent a selection out of our (partner) network
Seed / Early Stage Growth Buy-In / Buy-Out
Revenue
Current market reach
Total addressable market “sweet
spot“
Series A Funding VC Exit
Credit Lines Partner Network
The Product Value Proposition – besides additional liquidity
Selected Target Clients and Partnerships
Typically tickets from €500k - €10m for digital start-up
and growth companies
Overdraft facilities and amortisation loan schemes
Debt financing allows companies with digital business
to grow faster, without continuous worries about
fundraising
Reduces dilution effects for founders and previous investors
Improves return on equity for equity investors

7. Deutsche Handelsbank | Company Presentation page 6
DHB is the bank for Digital Start-up & Growth Companies in the DACH region and is aiming to
expand this position through further expansion of its product offering
DEUTSCHE HANDELSBANK TODAY AND TOMORROW
Growth Drivers
FuturePresent
Payment Transactions volume growth
Strong increase in growth financing
Lean and scalable organisation
Profitable bank with unique proposition
Increase loan tickets
Focus on scalability



 Expand European footprint
Expand product offering
Today 2021
Loan Book Loan BookTransaction Volume Transaction Volume
> € 80 Bln> € 1,4 Bln> € 40 Bln1> € 290 Mio1
The Bank for
Digital Start-up &
Growth Companies
Note: Based on total extended credit lines (1) As of May 2019

8. Deutsche Handelsbank | Company Presentation page 7
Q & A
Your contact:
Daniel Kreis
CEO / Vorstand
Telefon +49 89 244 157 -113
d.kreis@handelsbank.com
www.handelsbank.com