Closing of Scudder acquisition - Analyst conference call



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Closing of Scudder acquisition - Analyst conference call 8 April 2002 This presentation may contain forward-looking statements. Such statements involve risks and uncertainties that may cause actual results to materially differ. A list of risk factors can be found in Deutsche Bank's filings with the SEC.

Key parameters of broader transaction unchanged I. Scudder acquisition Acquisition of 100% of Zurich Scudder Investments excluding Threadneedle for the equivalent of ~US $ 2.5 billion representing less than 1% of assets under management closed II. Deutscher Herold / Bonnfinanz Sale of ~76% of Versicherungsholding der Deutschen Bank AG including Dt. Herold and Bonnfinanz expected to be closed in the next few days Acquisition of Zurich s German and Italian asset management businesses and sale of Italian, Spanish and Portuguese insurance activities to Zurich expected to close later in 2 Q 2002 Broad range of cooperation agreements between Deutsche Bank and Zurich Financial Services regarding distribution of asset management, banking and insurance products and services As a result of this transaction DB will have acquired Scudder in exchange for its interest in VHDB plus a net cash payment of ~EUR 1.8 bn Investor Relations 04/02 2

Strategic rationale confirmed Focussing on and achieving scale in Private Clients and Asset Management Creating a leading global Asset Management firm by strengthening U.S. retail and active asset management business Gaining critical mass in U.S. Private Clients business and promoting Global Wealth Management Balancing the income distribution between Corporate and Investment Bank and Private Clients and Asset Management Strengthening products and services offering through intelligent partnering with first-class insurance provider across Europe Widening distribution capabilities for asset management and banking products Increasing shareholder value by optimizing business portfolio and streamlining production process Investor Relations 04/02 3

Entering the bulge bracket in asset management Assets under management (end 2000, in $ bn) 1. Fidelity 2. UBS 3. Allianz 4. DB + Scudder 979 5. Kampo 6. Axa 7. Barclays 8. State Street 9. DB Scudder 1 Investor Relations 04/02 4. 296 683 683 827 788 783 1,074 1,064 1,016 1 excluding Threadneedle Source: Pensions & Investments Watson Wyatt 500, company data No. 1 European retail and leading German and UK institutional asset manager Leading US retail and institutional asset manager No. 1 foreign asset manager in Asia-Pacific Leading manager of alternative assets No. 1 global real estate asset manager (after closing of RREEF transaction)

Leading our peer group in asset management Asset management revenues FY 2001 (in EUR billion) 3.0 2.5 2.0 1.5 1.0 0.5 0 DB + ZSI MS ML Citi DB JPM GS UBS ZSI 1 Following FX rates to convert local currencies in EUR figures have been used: EUR/USD: 0.89217; EUR/CHF: 1.50885 2 Source: 4Q2001 release/annual report 2001 3 Peers selected as follows: MS Investment Management, ML Investment Managers, Citigroup Asset Management, GS Asset Management, JPMC assumes ~50 % revenue share of Investment Management & Private Banking, UBS Asset Management Investor Relations 04/02 5

Building a broadly diversified global franchise Joint pro-forma invested assets in Asset Management division (end 2001, in EUR bn) Regional mix Business mix Asia-Pacific 77 (+10) 9% 34% Europe 305 (+24) Real Estate funds 8 Passive 172 19% 1% 33% Mutual funds (active) 296 (+121) Americas 512 (+243) 57% Institutional (active) 1 418 (+156) 47% Total: 894 (thereof 277 from Scudder) 1 Includes DB Alternative Investment Funds, Scudder Third Party Institutional Funds and former affiliate business Investor Relations 04/02 6

Integration - achievements to date Cost containment by both organizations since 10/2001 Integration planning Key business decisions made in 12/2001 Combined management organization announced in 01/2002 Integration plans completed in 01/2002 Closing ahead of schedule Combined U.S. run-rate already significantly reduced Cost reduction programs initiated; ~600 employees already transitioned out Positive client reception and high stability of Scudder franchise Joint leadership team further strengthened in the meantime New investment process launched - first conversions already executed Investor Relations 04/02 7

Integration - next steps Full integration of all departments (business + support) Conversion of all investment process products and positions 100 day program Institutional and mutual fund consolidation Transitioning out of further ~800 employees (already named) Stop of all obsolete business-as-usual projects Commence elimination of redundant locations, infrastructure and systems Until end of 2002 Legal entities rationalization Completion of most infrastructure and system consolidation Transitioning out of further >100 employees Investor Relations 04/02 8

Management structure Tom Hughes CEO Dean Barr Global Investment Process Gunner Burkhart Trading & Brokerage Services Dick Gunthel Global Real Estate Josh Weinreich Global Hedge Funds Bill Shiebler CEO North America Udo Behrenwaldt CEO Europe Brian Scullin CEO Asia Pacific Infrastructure Investor Relations 04/02 9

Substantial cost savings potential Targeted cost synergies Key measures EUR 300-400 mn full pre-tax runrate cost synergies Targeted synergies equal ~10-15% of Scudder AM + DB AM cost base Targeted synergies equal ~30-35% of Scudder (incl. PIC) cost base Transitioning out of > 1,500 employees, thereof > 90% already named; > 80% leaving both organizations until end of Q2 Focus on Chicago, New York and Boston as hubs in the U.S. with rightsizing of other locations and transfer of mid-and back-office functions to remote locations Consolidation of systems and rationalization of legal entities Investor Relations 04/02 10

Deutscher Herold / Bonnfinanz Insurance activities German and Italian asset manager Strategic cooperation Sale of ~76% of VHDB incl. Dt. Herold and Bonnfinanz expected to be closed in the next few days The sale of DB s German, Italian, Spanish and Portuguese insurance activities is expected to close in Q2 Integration planning well under way - closing expected in Q2 Transitioning out of 50-100 employees (equals ~25% of target organization headcount) DB is Zurich s preferred provider of all retail AM and banking products - distribution agreements agreed for Germany (exclusivity for Dt. Herold), Italy, Spain, Portugal, Austria and Switzerland; additional countries targeted Pension business JV est. in Spain and planned for Germany Investor Relations 04/02 11 DB is ZFS s preferred provider for all retail AM and banking products and among its preferred investment banks

Conclusion / Outlook Closing of non-scudder transaction components later in this quarter Rapid completion of most integration in next 100 days Target: realization of full cost synergy potential Focus on activities with substantial scale and opportunity Growth of global asset management platform as an integrated part of Private Clients and Asset Management based on our - closing of RREEF acquisition - unique global franchise with leading market positions in Europe, the US and Asia-Pacific, and - top investment performance Investor Relations 04/02 12