Deutsche bank products, services and reviews

About Deutsche bank

Deutsche Bank AG is a German universal bank headquartered in Frankfurt with operations across Europe, the Americas, and Asia-Pacific. Its business is organized into the Corporate Bank (cash management, payments, trade finance, securities services), the Investment Bank (fixed income and currencies, financing, origination and advisory), the Private Bank (retail, small-business, and wealth management in Germany and select markets, including the Postbank franchise), and Asset Management through the majority-owned, separately listed DWS Group. The group is supervised under the European Central Bank’s Single Supervisory Mechanism, with BaFin as national competent authority, and is subject to EU resolution requirements including MREL/TLAC funding via senior non-preferred and other eligible instruments. Since 2019 the bank has pursued a multi‑year restructuring that exited most equities trading and transferred prime brokerage to BNP Paribas, reduced risk-weighted assets, and refocused on transaction banking, FIC, and German retail/wealth. Integration of Postbank’s IT platforms was completed but triggered service disruptions in 2023 that led to regulatory findings and remediation; customer service and backlog clearance have been an operational focus since. The bank reports capital and liquidity buffers above regulatory minima and participates in EBA/ECB stress testing; funding is diversified across retail and corporate deposits, covered bonds, and wholesale markets. Legacy legal and compliance matters have included LIBOR-related fines, historical “mirror trade” activity in Russia, and deficiencies in anti‑financial‑crime controls; regulators have imposed remediation programs and appointed a special representative in recent years. For retail clients in Germany, products include current accounts with monthly fees unless conditions are met, savings and term deposits, consumer loans, mortgages, credit cards, and digital channels; branch presence has been reduced as more activity shifts online. Corporate and institutional clients use its cross‑border cash management, trade finance, and markets capabilities, with revenue sensitive to interest rates, client activity, and market volatility. Governance is led by the Management Board under CEO Christian Sewing and overseen by a Supervisory Board chaired by Alexander Wynaendts; shares are listed in Frankfurt and on the NYSE. Key ongoing considerations are execution of cost and control programs, resolution of operational and IT issues from the Postbank integration, and the impact of rates and capital requirements on returns.