Company: ADZCF
Filing Date: 2025-03-13
Form Type: 20-F
Source: 0001159508-25-000020
Chunk: 688

Company: DEUTSCHE BANK AKTIENGESELLSCHAFT
Filing Date: 2025-03-13
Form: 20-F
Chunk 688
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2024 on Form 20-F |

Deposits Information regarding average deposits balances and average interest rates on deposits is outlined in the table of Financial Condition above. For purposes of the disclosure of uninsured time deposits, the residual amount of total time deposits vs insured time deposits has been considered. Insured time deposits have been identified considering both statutory and voluntary deposit protection schemes in each relevant jurisdiction. Below is an overview of the deposit protection schemes applicable for Deutsche Bank in its home country Germany: Statutory depositor protection is stipulated by European directives in the European Union. These directives have been transformed into national law by the Deposit Guarantee Act (Einlagensicherungsgesetz, or EinSiG) in Germany. The statutory guarantee scheme ensures entitlement to compensation amounting up to €100k per depositor across all types of deposits – demand, time, and savings deposits – from selected depositors such as private individuals, partnerships, and corporations outside the financial industry. The statutory deposit guarantee scheme is supplemented by a voluntary deposit guarantee fund established by the Federal Association of German Banks (BdB). This additional scheme protects deposits from private individuals, partnerships, and corporations outside the financial industry, covering current, time, and savings deposits, to the extent these are not already covered by the statutory compensation scheme, up to a coverage level per depositor of 15 % of the bank's own funds. For this disclosure, across all domestic and foreign branches of Deutsche Bank AG, deposits from banks were considered 100 % uninsured, deposits from retail clients 100 % insured. For deposits from other depositors, a fixed percentage based on the proportion of time deposits to total deposits covered under the German statutory deposit guarantee scheme has been applied to estimate non-insured time deposits for this client group. All remaining entities of the Deutsche Bank group have determined the amount of uninsured time deposits following local requirements. As of year-end 2024, the group did not have any time deposits under FDIC insurance coverage on its books.

| in € m.                                                                                         |     | Dec 31, 2024 |
|:------------------------------------------------------------------------------------------------|:----|-------------:|
| U.S. time deposits in excess of FDIC insurance limit or similar state deposit insurance regimes |     |            0 |
| Time deposits that are otherwise uninsured, by maturity                                         |     |              |
| 3 months or less                                                                                |     |       58,236 |
| over 3 months to 6 months                                                                       |     |       24,330 |
| over 6 months to