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Deutsche Bank Technology, data and innovation Non-Financial Report 2022 Digitization and innovation The bank has a global innovation network with offices in Berlin, London, New York, Palo Alto, and Singapore, which continuously scout, identify, and evaluate the solutions provided by startups and technology companies and match them with the requirements of the business divisions and infrastructure functions. The process usually starts with a specific question from a business or infrastructure function for which the innovation network finds suitable innovative solutions from startups or, when appropriate, decides to invest in in-house development. This ensures upfront sponsorship and facilitates alignment with Deutsche Bank’s business strategy. Deutsche Bank strongly believes that banks and startups can bring their comparative advantages together. For example, collaboration with Fintechs and startups is integral to the development of many of Deutsche Bank’s online and mobile banking features for private clients in Germany, such as the integration of third-party bank accounts and Deutsche Bank’s deposit market platform. The bank also invests selectively in startups. The focus is on strategic corporate venture capital investments in companies that use technology to support or enable banking and financial services. In addition to investments that support its business, the bank invests in enterprise technology solutions. As part of its Corporate Venture Capital (CVC) group (*) in 2022 Deutsche Bank invested into Synthesized (*), a leading data generation platform provider, as well as into SkyHive (*), a cloud-based workforce management and reskilling software provider. Open innovation The bank continues to proactively engage with open-source software, partly driven through its membership with the Fintech Open Source Foundation (FINOS). By hosting projects including Plexus Interop, which defines open standards for desktop (*) application interoperability, Waltz, the bank’s architecture information service, as well as Springbot, a Symphony-based platform for the development of chat bots and applications on FINOS increases external reach, enables larger numbers of developers to engage and further contributes to these solutions. Deutsche Bank’s contribution to Maven, one of the most widely used build automation platforms for Java projects that is among the most popular programming languages, continues to exhibit benefits for the firm. The more recent contribution in September significantly reduces developer time to publish jobs, now taking 1-15 minutes instead of 30-40 minutes. Other developments in 2022 FS14 In May (*), Deutsche Bank announced its partnership with FinLync, a global fintech company offering products that are transforming corporate finance and treasury offices. The partnership accelerates the adoption of real-time treasury among corporates, reducing IT efforts and time spent for treasurers connecting to Deutsche Bank APIs. In July (*), Deutsche Bank announced to develop its own BNPL (buy now, pay later) solution for invoice and instalment purchases in collaboration with Vienna-based fintech Credi2. The white-label – own brand – solution for online merchants and e-commerce marketplaces in Germany can be flexibly integrated into the payment process. Deutsche Bank and Visa are entering into a new collaboration to help prevent online retail fraud, as announced in September (*). Merchants who process their e-commerce payments via Deutsche Bank can now use “Decision Manager”, an automated fraud detection system from Visa-owned company CyberSource. The solution works like a risk management system and calculates a risk value for each individual transaction using artificial intelligence and specified rules. In October (*), the bank introduced a new accessibility tool which allows Deutsche Bank website users with visual disabilities to adapt the website content according to their visual needs. The tool also works on mobile web browsers and is currently available in 26 languages. 104

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