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Key figures of comdirect group - 2012
1st quarter
2nd quarter
3rd quarter
4th quarter
 
Customers, assets under custody and key products
comdirect group*
31.03. 30.06. 30.09. 31.12.
Customers
2,709,873
Custody accounts
1,711,594
Total assets under custody
(in mill. EUR)
46,812
of which: portfolio volume
(in mill. EUR)
36,010
of which: deposit volume
(in mill. EUR)

 
10,802
business-to-customer (B2C) business line
Customers
1,644,442
Custody accounts
788,460
Current accounts
806,076
Tagesgeld PLUS ("call money plus") accounts
1,257,765
Total assets under custody
(in mill. EUR)
26,595
of which: portfolio volume
(in mill. EUR)
15,906
of which: deposit volume
(in mill. EUR)
10,689
Credit volume (in mill. EUR)
182

 
business-to-business (B2B) business line
Customers
1,065,431
Custody accounts
923,134
Total assets under custody
(in mill. EUR)
20,217
of which: portfolio volume
(in mill. EUR)
20,104
of which: deposit volume
(in mill. EUR)
 
 
113
Orders and order volume
Q1 Q2 Q3 Q4
Executed orders
4,641,931
of which: B2C
2,370,274
of which: B2B
2,271,657
Average order activity per custody account
(B2C annualised)
12.1
Order volume per executed order (B2C, in EUR)
 
 
5,102
Earnings ratios
Q1 Q2 Q3 Q4
Net commission income
(in thou. EUR)
44,171
Net interest income before provisions (in thou. EUR)
42,011
Administrative expenses
(in thou. EUR)
59,506
Pre-tax profit (in thou. EUR)
29,237
Net profit/loss (in thou. EUR)
22,062
Earnings per share (in EUR)
0.16
Return on equity before tax (annualised, in %)1)
21.4
Cost/income ratio (in %)
67.0

 
Balance-sheet key figures
31.03. 30.06. 30.09. 31.12.
Balance-sheet total (in mill. EUR)
11,661
Equity (in mill. EUR)
601
Equity ratio (in %)2)

 
4.8
Regulatory indicators under
Basel II 3)
31.03. 30.06. 30.09. 31.12.
Risk weighted assets
(in mill. EUR)4)
497
Eligible amount for operational risks (in mill. EUR)
28
Core capital (in mill. EUR)
390
Own funds for solvency purposes (in mill. EUR)
385
Own funds ratio (in %)5)

 
45.2
Employees' figures
31.03. 30.06. 30.09. 31.12.
Employees
1,167
Employees full-time basis
1,042.5
* B2C: comdirect bank AG; B2B: ebase GmbH


1) Pre-tax profit / average equity (excluding revaluation reserve) in the reporting period
2) Equity (excluding revaluation reserve) / balance sheet total
3) 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
4) Risk weighted assets in accordance with Section 10c of the German Banking Act (KWG) (intragroup receivables are zero weighted)
5) Own funds / (risk weighted assets + 12.5 x eligible amounts for operational risks)
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. 31.12.
Customers
2,303,515 2,512,631 2,523,068 2,630,525
Custody accounts
1,481,647 1,681,621 1,685,326 1,683,301
Total assets under custody
(in mill. EUR)
42,484 43,622 39,404 41,587
of which: portfolio volume
(in mill. EUR)
32,098 33,134 28,832 30,882
of which: deposit volume
(in mill. EUR)

 
10,386 10,488 10,572 10,705
business-to-customer (B2C) business line
Customers
1,576,010 1,593,419 1,609,703 1,632,467
Custody accounts
758,317 766,213
 775,326 783,616
Current accounts
687,675 717,784
 744,630 774,518
Tagesgeld PLUS ("call money plus") accounts
1,161,192 1,185,414 1,208,191 1,235,770
Total assets under custody
(in mill. EUR)
26,503 26,504 24,209 24,896
of which: portfolio volume
(in mill. EUR)
16,292 16,152
 13,767 14,324
of which: deposit volume
(in mill. EUR)
10,211
 10,352
 10,441 10,571
Credit volume (in mill. EUR)
206 197
 198 189

 
business-to-business (B2B) business line
Customers
727,505 919,212
 913,365 998,058
Custody accounts
723,330 915,408 910,000 899,685
Total assets under custody
(in mill. EUR)
15,981 17,118
 15,195 16,692
of which: portfolio volume
(in mill. EUR)
15,806
 16,982
 15,064 16,558
of which: deposit volume
(in mill. EUR)
 
 
175 135 131 134
Orders and order volume
Q1 Q2 Q3 Q4
Executed orders
4,840,921 3,863,181
 4,936,923 5,036,885
of which: B2C
2,451,359 1,967,977 2,509,806 2,222,247
of which: B2B
2,389,562 1,895,204 2,427,117 2,814,638
Average order activity per custody account
(B2C annualised)
13.0 10.3 13.0 11.4
Order volume per executed order (B2C, in EUR)
 
 
5,320 5,146 5,184 5,626
Earnings ratios
Q1 Q2 Q3 Q4
Net commission income
(in thou. EUR)
50,144 40,308 50,262 41,871
Net interest income before provisions (in thou. EUR)
33,262 37,624
 39,352 40,609
Administrative expenses
(in thou. EUR)
58,724 52,322
 59,092 61,936
Pre-tax profit (in thou. EUR)
24,858 25,565
 28,196 29,457
Net profit/loss (in thou. EUR)
18,235 18,856
 20,458 54,214
Earnings per share (in EUR)
0.13 0.13
 0.14 0.38
Return on equity before tax (annualised, in %)1)
20.2 21.2 23.9 23.2
Cost/income ratio (in %)
70.1 66.8 67.3 67.6

 
Balance-sheet key figures
31.03. 30.06. 30.09. 31.12.
Balance-sheet total (in mill. EUR)
11,029 11,112
 11,194 11,378
Equity (in mill. EUR)
509 477
 491 547
Equity ratio (in %)2)

 
4.5 4.2
 4.3 4.7
Regulatory indicators under
Basel II 3)
31.03. 30.06. 30.09. 31.12.
Risk weighted assets
(in mill. EUR)4)
505 474 561 514
Eligible amount for operational risks (in mill. EUR)
25 27 29 29
Core capital (in mill. EUR)
359 359
 359 356
Own funds for solvency purposes (in mill. EUR)
354 353
 354 351
Own funds ratio (in %)5)

 
43.1 43.8 38.1 40.1
Employees' figures
31.03. 30.06. 30.09. 31.12.
Employees
1,124 1,130 1,143 1,148
Employees full-time basis
1,004.8 1,011.3 1,021.4 1,024.8
* B2C: comdirect bank AG; B2B: ebase GmbH, excluding contributions from branch customers of Commerzbank AG


1) Pre-tax profit / average equity (excluding revaluation reserve) in the reporting period
2) Equity (excluding revaluation reserve) / balance sheet total
3) 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
4) Risk weighted assets in accordance with Section 10c of the German Banking Act (KWG) (intragroup receivables are zero weighted)
5) Own funds / (risk weighted assets + 12.5 x eligible amounts for operational risks)
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
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