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Key figures of comdirect group - 2011
1st quarter
2nd quarter
3rd quarter
4th quarter
 
Customers, assets under custody and key products
comdirect group*
31.03. 30.06. 30.09.
Customers
2,303,515 2,512,631 2,523,068
Custody accounts
1,481,647 1,681,621 1,685,326
Total assets under custody
(in mill. EUR)
42,484 43,622 39,404
of which: portfolio volume
(in mill. EUR)
32,098 33,134 28,832
of which: deposit volume
(in mill. EUR)

 
10,386 10,488 10,572
business-to-customer (B2C) business line
Customers
1,576,010 1,593,419 1,609,703
Custody accounts
758,317 766,213
 775,326
Current accounts
687,675 717,784
 744,630
Tagesgeld PLUS ("call money plus") accounts
1,161,192 1,185,414 1,208,191
Total assets under custody
(in mill. EUR)
26,503 26,504 24,209
of which: portfolio volume
(in mill. EUR)
16,292 16,152
 13,767
of which: deposit volume
(in mill. EUR)
10,211
 10,352
 10,441
Credit volume (in mill. EUR)
206 197
 198

 
business-to-business (B2B) business line
Customers
727,505 919,212
 913,365
Custody accounts
723,330 915,408 910,000
Total assets under custody
(in mill. EUR)
15,981 17,118
 15,195
of which: portfolio volume
(in mill. EUR)
15,806
 16,982
 15,064
of which: deposit volume
(in mill. EUR)
 
 
175 135 131
Orders and order volume
Q1 Q2 Q3
Executed orders
4,840,921 3,863,181
 4,936,923
of which: B2C
2,451,359 1,967,977 2,509,806
of which: B2B
2,389,562 1,895,204 2,427,117
Average order activity per custody account
(B2C annualised)
13.0 10.3 13.0
Order volume per executed order (B2C, in EUR)
 
 
5,320 5,146 5,184
Earnings ratios
Q1 Q2 Q3
Net commission income
(in thou. EUR)
50,144 40,308 50,262
Net interest income before provisions (in thou. EUR)
33,262 37,624
 39,352
Administrative expenses
(in thou. EUR)
58,724 52,322
 59,092
Pre-tax profit (in thou. EUR)
24,858 25,565
 28,196
Net profit/loss (in thou. EUR)
18,235 18,856
 20,458
Earnings per share (in EUR)
0.13 0.13
 0.14
Return on equity before tax (annualised, in %)1)
20.2 21.2 23.9
Cost/income ratio (in %)
70.1 66.8 67.3

 
Balance-sheet key figures
31.03. 30.06. 30.09.
Balance-sheet total (in mill. EUR)
11,029 11,112
 11,194
Equity (in mill. EUR)
509 477
 491
Equity ratio (in %)2)

 
4.5 4.2
 4.3
Regulatory indicators under
Basel II 3)
31.03. 30.06. 30.09.
Risk weighted assets
(in mill. EUR)4)
505 474 561
Eligible amount for operational risks (in mill. EUR)
25 27 29
Core capital (in mill. EUR)
359 359
 359
Own funds for solvency purposes (in mill. EUR)
354 353
 354
Own funds ratio (in %)5)

 
43.1 43.8 38.1
Employees' figures
31.03. 30.06. 30.09.
Employees
1,124 1,130 1,143
Employees full-time basis
1,004.8 1,011.3 1,021.4
* B2C: comdirect bank AG; B2B: ebase GmbH, excluding contributions from branch customers of Commerzbank AG


1) Equity ratio = Equity (excluding revaluation reserves) / balance sheet total
2) These figures are calculated on the basis of internal calculations; publication based on national implementation conversion is voluntary and the figures are not reported to the Supervisory Authority
3) Risk weighted assets in accordance with Section 10c of the German Banking Act (KWG) (intragroup receivables are zero weighted)
4) Own funds ratio = own funds for solvency purposes / (risk weighted assets + 12.5 x eligible amounts for operational risks)
5) Return on equity = pre-tax profit / average equity (excluding revaluation reserve) in the reporting period
Key figures of comdirect group - 2010
1st quarter
2nd quarter
3rd quarter
4th quarter
comdirect group
Customers
2,143,051 2,162,819 2,194,180 2,296,075
Custody accounts
1,411,533 1,414,035 1,418,850 1,482,023
Executed order
3,635,596 3,532,325 3,589,679 4,547,603
Total assets under custody
(in mill. EUR)
37,556
 37,468 38,428 42,535
of which: portfolio volume
(in mill. EUR)
28,217
 27,573 28,467 32,197
of which: deposit volume
(in mill. EUR)
9,338
 9,895 9,961 10,338
Business line comdirect Business-to-Costumer (B2C)*
Customers
1,454,071
 1,475,951 1,508,686 1,559,021
Custody accounts
722,553
 727,167 734,463 748,151
Current accounts
559,138
 583,613 613,639 647,048
Call Money PLUS accounts
985,310
 1,030,591 1,073,458 1,130,998
Executed orders
1,877,059
 2,064,294 1,767,646 2,115,054
Average order activity per custody account (annualised)
10.4
 11.4 9.7 11.4
Order volume per executed order
(in EUR)
4,811
 5,329 5,294 5,009
Total assets under custody
(in mill. EUR)
23,501 23,786 24,544 26,319
of which: portfolio volume
(in mill. EUR)
14,195
 13,940 14,649 16,113
of which: deposit volume
(in mill. EUR)
9,307
 9,846 9,895
 10,207
Credit volume (in mill. EUR)
187
 195 190 198
Business line comdirect Business-to-Business (B2B)*
Customers
688,980 686,868 685,494 737,054
Executed orders
1,758,537 1,468,031 1,822,033 2,432,549
Total assets under custody
(in mill. EUR)
14,055
 13,682
 13,884 16,216
Earnings ratios
Net commission income (in thou. EUR)
38,791
 45,293
 40,127 48,561
Net interest income before provisions (in thou. EUR)
23,973
 22,627 26,218 29,256
Administrative expenses
(in thou. EUR)
48,625
 50,584 48,025 62,794
Pre-tax profit (in thou. EUR)
21,182 20,526 21,266 17,900
Net profit/loss (in thou. EUR)
15,682
 15,127 15,371 13,454
Earnings per share (in EUR)
0.11 0.11 0.11 0.10
Balance-sheet key figures
Balance-sheet total (in mill. EUR)
10,057
 10,543 10,614 11,040
Equity (in mill. EUR)
564
 497 522
 514
Equity ratio (in %) 1)
4.9 4.3 4.4 4.4
Regulatory indicators under
Basel II 2)
Risk weighted assets (in mill. EUR) 3)
501
 505 518 546
Eligible amount for operational risks (in mill. EUR)
24 20 22 22
Core capital (in mill. EUR)
365
 365
 364 356
Own funds for solvency purposes
(in mill. EUR)
360
 360 360 351
Own funds ratio (in %) 4)
44.8
 47.3 45.3 43.0
Relative ratios*
Return on equity (annualised) 5)
17.3 17.2 18.4 15.0
Cost/income ratio (in %)
69.6
 71.0 68.9 78.2
Employees' figures*
Employees
1,160
 1,133
 1,116 1,120
Employees full-time basis
1,033.6 1,014.0 1,001.2 1,002.9
* B2C: comdirect bank AG; B2B: ebase GmbH, excluding contributions from branch customers of Commerzbank AG


1) Equity ratio = Equity (excluding revaluation reserves) / balance sheet total
2) These figures are calculated on the basis of internal calculations; publication based on national implementation conversion is voluntary and the figures are not reported to the Supervisory Authority
3) Risk weighted assets in accordance with Section 10c of the German Banking Act (KWG) (intragroup receivables are zero weighted)
4) Own funds ratio = own funds for solvency purposes / (risk weighted assets + 12.5 x eligible amounts for operational risks)
5) Return on equity = pre-tax profit / average equity (excluding revaluation reserve) in the reporting period
Key figures of comdirect group - 2009
1st quarter
2nd quarter
3rd quarter
4th quarter
comdirect group*
Customers
2,079,794 2,140,162 2,145,014 2,150,563
Custody accounts
1,415,795 1,421,078 1,420,088 1,419,037
Executed orders
3,552,139 3,287,813 3,619,321 4,201,961
Total assets under custody
(in mill. EUR)
29,072 31,857 34,509 35,572
of which: portfolio volume
(in mill. EUR)
19,468 22,159 25,307 26,463
of which: deposit volume
(in mill. EUR)
9,604 9,698 9,202 9,110
Business line comdirect Business-to-Costumer (B2C)**
Customers
1,368,215 1,431,830 1,441,101 1,450,720
Custody accounts
704,216 712,746 716,175 719,194
Current accounts
460,824 492,900 513,227 533,928
Call Money PLUS accounts
852,630 925,787 941,901 960,935
Advisery costumers
48,969 50,999 52,764 54,477
Executed orders
1,747,299 1,853,731 1,882,777 1,835,238
Average order activity per custody account (annualised)
10.0 10.5 10.5 10.2
Order volume per executed order
(in EUR)
4,181 4,356 4,722 4,768
Total assets under custody
(in mill. EUR)
18,606 20,344 21,685 22,241
of which: portfolio volume
(in mill. EUR)
9,026 10,671 12,508 13,158
of which: deposit volume
(in mill. EUR)
9,580 9,674 9,177 9,083
Credit volume (in mill. EUR)
168 170 178 176
Business line comdirect Business-to-Business (B2B)**
Customers/custudy accounts
711,579 708,332 703,913 699,843
Executed orders
1,804,840 1,434,082 1,736,544 2,366,723
Total assets under custody
(in mill. EUR)
10,466 11,513 12,824 13,331
Earnings ratios*
Net commission income (in thou. EUR)
34,477 36,576 38,073 39,631
Net interest income before provisions
(in thou. EUR)
32,648 27,565 23,052 25,428
Administrative expenses
(in thou. EUR)
52,738 48,689 48,710 48,781
Operating result (in thou. EUR)
17,776 23,771 24,844 18,547
Pre-tax profit/Profit from ordinary activities (in thou. EUR)
17,776 23,771 24,844 9,602
Net profit/loss (in thou. EUR)
12,729 18,229 18,550 7,116
Earnings per share (in EUR)
0.09 0.13 0.13 0.05
Balance-sheet key figures*
Balance-sheet total (in mill. EUR)
10,203 10,259 9,867 9,785
Equity (in mill. EUR)
477 446 513 533
Equity ratio (in %) 1)
4.9 4.4 4.8 4.9
Regulatory indicators underBasel II 2)
Risk weighted assets (in mill. EUR) 3)
542 573 529 500
Eligible amount for operational risks (in mill. EUR)
18 21 21 23
Core capital (in mill. EUR)
361 361 361 360
Own funds for solvency purposes
(in mill. EUR)
357 358 357 356
Own funds ratio (in %) 4)
46.9 42.7 44.8 45.5
Relative ratios*
Return on equity (in %) (annualised) 5)
14.5 19.9 21.4 15.5
Cost-Income-Ratio (in %) 6)
74.3 67.2 66.6 73.9
Employees' figures*
Employees
1,173 1,173 1,164 1,155
Employees full-time basis
1,047.5 1,047.3 1,036.0 1,029.2

* First quarters figures adjusted to include contributions of ebase GmbH.
** B2C: comdirect bank AG and comdirect private finance AG; B2B: ebase GmbH, excluding contributions from branch customers of Commerzbank AG


1) Equity ratio = Equity (excluding revaluation reserves) / balance sheet total
2) These figures are calculated on the basis of internal calculations; publication is voluntary and based on national implementation conversion and the figures are not reported to the Supervisory Authority
3) Risk weighted assets in accordance with Section 10c of the German Banking Act (KWG) (intragroup receivables are zero weighted)
4) Own funds ratio = own funds / (risk weighted assets + 12.5 x eligible amounts for operational risks)
5) Return on equity = operating profit / average equity (excluding revaluation reserve) in the reporting period
6) before rectructuring costs

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