Deutsch

Quarterly Figures Archive

Key figures 2016

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 3,004,241 3,021,065 3,047,629 3,116,797
Custody accounts 1,799,745 1,814,294 1,833,632 1,867,163
Total assets under custody
(in mill. EUR)
64,455 67,181 69,906 75,749
of which: portfolio volume
(in mill. EUR)
48,260 50,382 52,681 57,249
of which: deposit volume
(in mill. EUR)
16,194 16,799 17,225 18,500
business-to-customer (B2C) business line  
Customers 2,018,255 2,033,755 2,057,075 2,080,949
Custody accounts 959,427 972,136 988,091 1,006,753
Current accounts 1,289,998 1,309,886 1,334,137 1,355,747
Total assets under custody
(in mill. EUR)
39,802 41,053 42,939 45,998
of which: portfolio volume
(in mill. EUR)
23,864 24,519 26,038 27,777
of which: deposit volume
(in mill. EUR)
15,938 16,534 16,901 18,221
Credit volume (in mill. EUR) 313 320 337 326
business-to-business (B2B) business line  
Customers 985,986 987,310 990,554 1,035,848
Custody accounts 840,318 842,158 845,541 860,410
Total assets under custody
(in mill. EUR)
24,652 26,129 26,967 29,751
of which: portfolio volume
(in mill. EUR)
24,396 25,863 26,644 29,473
of which: deposit volume
(in mill. EUR)
256 266 323 278
Orders and order volume Q1 Q2 Q3 Q4
Executed orders 6,352,146 5,555,761 5,985,613 6,889,068
of which: B2C 3,976,349 3,513,669 3,305,367 3,440,490
of which: B2B 2,375,797 2,042,092 2,680,246 3,448,578
Average order activity per custody account
(B2C annualised)
16.7 14.6 13.5 13.8
Order volume per executed order (B2C, in EUR)1) 4,690 4,425 4,280 4,415
Earnings ratios Q1 Q2 Q3 Q4
Net commission income
(in thou. EUR)
54,876 53,568 51,459 55,509
Net interest income before provisions (in thou. EUR) 32,116 29,978 29,210 26,508
Administrative expenses
(in thou. EUR)
64,977 63,217 62,907 69,859
Pre-tax profit (in thou. EUR) 23,727 64,151 19,029 13,757
Net profit/loss (in thou. EUR) 17,270 49,037 13,597 12,607
Earnings per share (in EUR) 0.12 0.35 0.10 0.09
Return on equity before tax (annualised, in %)2) 17.1 45.9 13.6 9.6
Return on equity after tax (annualises, in %)3) 12.4 35.1 9.7 8.8
Cost/income ratio (in %) 73.2 50.0 76.4 84.1
Balance-sheet key figures 31.03. 30.06. 30.09. 31.12.
Balance-sheet total (in mill. EUR) 16,967 17,538 17,978 19,273
Equity (in mill. EUR) 648 605 622 628
Equity ratio (in %)4) 3.3 3.2 3.2 3.0
Regulatory indicators under CRR/CRD IV5) 31.03. 30.06. 30.09. 31.12.
Risk weighted assets
(in mill. EUR)6)
920 1.039 908 923
Eligible amount for operational and other risks (in mill. EUR) 15 18 18 17
Core capital (in mill. EUR) 465 442 443 438
Own funds for solvency purposes (in mill. EUR) 465 442 443 438
Own funds ratio (in %)7) 41.8 35.0 39.0 38.8
Employees' figures 31.03. 30.06. 30.09. 31.12.
Employees 1,330 1,325 1,318 1,332
Employees full-time basis 1,194.1 1,185.8 1,181.4 1,198.1

Download Quarterly Figures (Excel)

* B2C: comdirect bank AG; B2B: ebase GmbH
1) Excluding CFD trades
2) Pre-tax profit / average equity (excluding revaluation reserve) in the reporting period
3) Net profit / average equity (excluding revaluation reserve) in the reporting period
4) Equity (excluding revaluation reserve) / balance sheet total
5) These figures are calculated on the basis of internal calculations; publication is voluntary and based on national and European implementation rules and the figures are not reported to the Supervisory Authority
6) Risk weighted assets in accordance with Article 113 clause 6 CRR (intragroup receivables are zero weighted)
7) Own funds / (risk weighted assets + 12.5 x eligible amounts for operational risks)
 

Key figures 2015

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 2,902,091 2,920,467 2,953,136 2,989,454
Custody accounts 1,725,758 1,739,945 1,759,988 1,786,168
Total assets under custody
(in mill. EUR)
65,188 64,574 60,756 65,498
of which: portfolio volume
(in mill. EUR)
50,083 48,773 45,087 49,463
of which: deposit volume
(in mill. EUR)
15,105 15,801 15,669 16,035
business-to-customer (B2C) business line  
Customers 1,926,569 1,944,484 1,973,604 2,001,256
Custody accounts 895,919 909,682 926,138 943,656
Current accounts 1,184,956 1,205,525 1,236,858 1,265,923
Tagesgeld PLUS ("call money plus") accounts 1,568,524 1,583,796 1,610,443 1,634,288
Total assets under custody
(in mill. EUR)
38,309 38,258 37,011 39,942
of which: portfolio volume
(in mill. EUR)
23,403 22,712 21,636 24,143
of which: deposit volume
(in mill. EUR)
14,906 15,546 15,375 15,799
Credit volume (in mill. EUR) 187 192 218 300
business-to-business (B2B) business line  
Customers 975,522 975,983 979,532 988,198
Custody accounts 829,839 830,263 833,850 842,512
Total assets under custody
(in mill. EUR)
26,879 26,316 23,745 25,556
of which: portfolio volume
(in mill. EUR)
26,680 26,061 23,451 25,320
of which: deposit volume
(in mill. EUR)
199 255 294 236
Orders and order volume Q1 Q2 Q3 Q4
Executed orders 6,034,437 5,309,098 6,022,966 6,199,587
of which: B2C 3,876,807 3,506,840 3,654,032 3,451,539
of which: B2B 2,157,630 1,802,258 2,368,934 2,748,048
Average order activity per custody account
(B2C annualised)
17.5 15.5 15.9 14.8
Order volume per executed order (B2C, in EUR)1) 6,219 5,907 4,936 4,863
Earnings ratios Q1 Q2 Q3 Q4
Net commission income
(in thou. EUR)
60,519 55,596 58,659 53,591
Net interest income before provisions (in thou. EUR) 35,205 34,182 34,719 33,298
Administrative expenses
(in thou. EUR)
73,408 65,515 66,086 74,971
Pre-tax profit (in thou. EUR) 24,660 26,670 26,546 12,732
Net profit/loss (in thou. EUR) 18,016 19,569 19,135 8,332
Earnings per share (in EUR) 0.13 0.14 0.14 0.06
Return on equity before tax (annualised, in %)2) 18.1 19.9 20.0 9.3
Cost/income ratio (in %) 74.8 70.8 69.9 84.9
Balance-sheet key figures 31.03. 30.06. 30.09. 31.12.
Balance-sheet total (in mill. EUR) 15,888 16,506 16,389 16,769
Equity (in mill. EUR) 615 567 579 624
Equity ratio (in %)3) 3.5 3.2 3.3 3.3
Regulatory indicators under CRR/CRD IV4) 31.03. 30.06. 30.09. 31.12.
Risk weighted assets
(in mill. EUR)5)
827 862 866 951
Eligible amount for operational and other risks (in mill. EUR) 12 17 19 20
Core capital (in mill. EUR) 453 451 448 433
Own funds for solvency purposes (in mill. EUR) 453 451 448 433
Own funds ratio (in %)6) 46.3 41.9 40.7 36.3
Employees' figures 31.03. 30.06. 30.09. 31.12.
Employees 1,293 1,286 1,301 1,314
Employees full-time basis 1,159.2 1,152.6 1,168.1 1,173.5

Download Quarterly Figures (Excel)

* B2C: comdirect bank AG; B2B: ebase GmbH
1) Excluding CFD trades
2) Pre-tax profit / average equity (excluding revaluation reserve) in the reporting period
3) Equity (excluding revaluation reserve) / balance sheet total
4) These figures are calculated on the basis of internal calculations; publication is voluntary and based on national and European implementation rules and the figures are not reported to the Supervisory Authority
5) Risk weighted assets in accordance with Article 133 clause 6 CRR (intragroup receivables are zero weighted)
6) Own funds / (risk weighted assets + 12.5 x eligible amounts for operational risks)

Key figures 2014

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 2,815,610 2,831,412 2,849,746 2,892,003
Custody accounts 1,688,126 1,692,340 1,699,536 1,717,088
Total assets under custody
(in mill. EUR)
55,253 56,995 57,403 58,936
of which: portfolio volume
(in mill. EUR)
41,860 43,198 43,455 44,500
of which: deposit volume
(in mill. EUR)
13,393 13,797 13,949 14,435
business-to-customer (B2C) business line  
Customers 1,826,862 1,846,525 1,867,181 1,909,105
Custody accounts 844,083 852,387
862,000 879,492
Current accounts 1,059,677 1,085,189
1,111,667 1,158,617
Tagesgeld PLUS ("call money plus") accounts 1,468,180 1,489,446 1,511,824 1,533,309
Total assets under custody
(in mill. EUR)
32,550 33,624 33,779 34,750
of which: portfolio volume
(in mill. EUR)
19,294 19,964
19,980 20,483
of which: deposit volume
(in mill. EUR)
13,256
13,659
13,799 14,267
Credit volume (in mill. EUR) 169 175
184 187
business-to-business (B2B) business line  
Customers 988,748 984,887 982,565 982,898
Custody accounts 844,043 839,953 837,536 837,596
Total assets under custody
(in mill. EUR)
22,704 23,372 23,625 24,186
of which: portfolio volume
(in mill. EUR)
22,566 23,234 23,475 24,107
of which: deposit volume
(in mill. EUR)
137 138 149 169
Orders and order volume Q1 Q2 Q3 Q4
Executed orders 5,451,249 4,168,557 4,834,027 5,887,543
of which: B2C 2,971,739 2,443,370 2,602,945 3,081,367
of which: B2B 2,479,510 1,725,187 2,231,082 2,806,176
Average order activity per custody account
(B2C annualised)
14.1 11.5 12.1 14.2
Order volume per executed order (B2C, in EUR)1) 5,827 5,203 5,042 5,371
Earnings ratios Q1 Q2 Q3 Q4
Net commission income
(in thou. EUR)
51,573 43,787 47,139 50,651
Net interest income before provisions (in thou. EUR) 35,115 36,136 37,838 36,714
Administrative expenses
(in thou. EUR)
64,281 66,200 64,377 76,137
Pre-tax profit (in thou. EUR) 24,656 20,127 21,747 15,948
Net profit/loss (in thou. EUR) 18,259 14,879 15,835 17,220
Earnings per share (in EUR) 0.13 0.11 0.11 0.12
Return on equity before tax (annualised, in %)2) 18.4 15.3 16.9 12.0
Cost/income ratio (in %) 72.1 77.4 74.4 82.4
Balance-sheet key figures 31.03. 30.06. 30.09. 31.12.
Balance-sheet total (in mill. EUR) 14,107 14,510 14,654 15,170
Equity (in mill. EUR) 572 549 575 590
Equity ratio (in %)3) 3.9 3.5 3.6 3.5
Regulatory indicators under CRR/CRD IV4) 31.03. 30.06. 30.09. 31.12.5)
Risk weighted assets
(in mill. EUR)6)
681 634 659 820
Eligible amount for operational risks (in mill. EUR) 17 16 15 14
Core capital (in mill. EUR) 394 394 393 437
Own funds for solvency purposes (in mill. EUR) 394 394 393 437
Own funds ratio (in %)7) 44.2 47.1 46.6 44.1
Employees' figures 31.03. 30.06. 30.09. 31.12.
Employees 1,240 1,263 1,269 1,287
Employees full-time basis 1,107.4 1,130.0 1,133.5 1,153.3

Download Quarterly Figures (Excel)

* B2C: comdirect bank AG; B2B: ebase GmbH
1) Excluding CFD trades
2) Pre-tax profit / average equity (excluding revaluation reserve) in the reporting period
3) Equity (excluding revaluation reserve) / balance sheet total
4) These figures are calculated on the basis of internal calculations; publication is voluntary and based on national and European implementation rules and the figures are not reported to the Supervisory Authority
5) The calculation was changed as of 31.12.2014. It is based on a supervisory scope of consolidation formed exclusively for comparison purposes. The previous basis was formed solely by comdirect bank AG.
6) Risk weighted assets in accordance with Section 133 paragraph 6 of the CRR (intragroup receivables are zero weighted)
7) Own funds / (risk weighted assets + 12.5 x eligible amounts for operational risks)

Key figures 2013

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 2,756,026 2,770,135 2,798,314 2,825,067
Custody accounts 1,691,760 1,690,676 1,692,627 1,697,006
Total assets under custody
(in mill. EUR)
50,817 50,748 52,813 55,046
of which: portfolio volume
(in mill. EUR)
39,014 38,233 39,968 41,579
of which: deposit volume
(in mill. EUR)
11,803 12,515 12,845 13,467
business-to-customer (B2C) business line  
Customers 1,735,088 1,756,121 1,789,758 1,823,579
Custody accounts 814,039 820,422
828,143 839,945
Current accounts 933,257 961,408
1,002,203 1,043,192
Tagesgeld PLUS ("call money plus") accounts 1,367,819 1,392,041 1,424,787 1,461,471
Total assets under custody
(in mill. EUR)
28,975 29,302 30,485 31,891
of which: portfolio volume
(in mill. EUR)
17,262 16,925
17,759 18,564
of which: deposit volume
(in mill. EUR)
11,713
12,377
12,726 13,327
Credit volume (in mill. EUR) 184 181
164 159
business-to-business (B2B) business line  
Customers 1,020,938 1,014,014 1,008,556 1,001,488
Custody accounts 877,721 870,254 864,484 857,061
Total assets under custody
(in mill. EUR)
21,842 21,447 22,328 23,156
of which: portfolio volume
(in mill. EUR)
21,752 21,309 22,209 23,015
of which: deposit volume
(in mill. EUR)
90 138 119 140
Orders and order volume Q1 Q2 Q3 Q4
Executed orders 4,586,887 4,634,864 4,676,961 5,290,910
of which: B2C 2,371,465 2,658,151 2,458,848 2,500,622
of which: B2B 2,215,422 1,976,713 2,218,113 2,790,288
Average order activity per custody account
(B2C annualised)
11.7 13.0 11.9 12.0
Order volume per executed order (B2C, in EUR)** 5,478 5,761 6,073 5,727
Earnings ratios Q1 Q2 Q3 Q4
Net commission income
(in thou. EUR)
46,013 46,764 46,503 49,050
Net interest income before provisions (in thou. EUR) 33,476 34,235 36,306 34,624
Administrative expenses
(in thou. EUR)
63,751 63,565 60,197 72,353
Pre-tax profit (in thou. EUR) 23,669 19,290 23,062 14,011
Net profit/loss (in thou. EUR) 17,354 14,476 16,760 11,944
Earnings per share (in EUR) 0.12 0.10 0.12 0.09
Return on equity before tax (annualised, in %)1) 17.6 14.7 18.1 10.7
Cost/income ratio (in %) 72.8 76.3 72.1 83.2
Balance-sheet key figures 31.03. 30.06. 30.09. 31.12.
Balance-sheet total (in mill. EUR) 12,515 13,206 14,163 14,163
Equity (in mill. EUR) 592 529 543 552
Equity ratio (in %)2) 4.4 3.8 3.8 3.7
Regulatory indicators under Basel II 3) 31.03. 30.06. 30.09. 31.12.
Risk weighted assets
(in mill. EUR)4)
544 603 622 640
Eligible amount for operational risks (in mill. EUR) 14 15 15 16
Core capital (in mill. EUR) 393 394 393 392
Own funds for solvency purposes (in mill. EUR) 387 387 387 385
Own funds ratio (in %)5) 53.5 49.3 47.5 45.8
Employees' figures 31.03. 30.06. 30.09. 31.12.
Employees 1,201 1,208 1,224 1,233
Employees full-time basis 1,071.2 1,074.6 1,092.3 1,100.6

Download Quarterly Figures (Excel)

* B2C: comdirect bank AG; B2B: ebase GmbH
** Excluding CFD trades
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 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 2,721,725 2,742,466 2,755,257
Custody accounts 1,711,594 1,708,123 1,706,438 1,702,021
Total assets under custody
(in mill. EUR)
46,812 45,430 47,912 48,854
of which: portfolio volume
(in mill. EUR)
36,010 34,298 36,384 37,134
of which: deposit volume
(in mill. EUR)
10,802 11,132 11,528 11,720
business-to-customer (B2C) business line  
Customers 1,644,442 1,664,339 1,692,941 1,716,783
Custody accounts 788,460 793,365
799,663 806,417
Current accounts 806,076 834,390
870,023 901,419
Tagesgeld PLUS ("call money plus") accounts 1,257,765 1,283,005 1,316,338 1,344,940
Total assets under custody
(in mill. EUR)
26,595 25,972 27,288 27,909
of which: portfolio volume
(in mill. EUR)
15,906 14,955
15,863 16,286
of which: deposit volume
(in mill. EUR)
10,689
11,017
11,425 11,623
Credit volume (in mill. EUR) 182 173
171 173
business-to-business (B2B) business line  
Customers 1,065,431 1,057,386 1,049,525 1,038,474
Custody accounts 923,134 914,758 906,775 895,604
Total assets under custody
(in mill. EUR)
20,217 19,458 20,625 20,945
of which: portfolio volume
(in mill. EUR)
20,104 19,343 20,522 20,848
of which: deposit volume
(in mill. EUR)
113 115 103 97
Orders and order volume Q1 Q2 Q3 Q4
Executed orders 4,641,931 4,039,482 4,424,683 4,881,914
of which: B2C 2,370,274 2,127,399 2,054,648 1,919,696
of which: B2B 2,271,657 1,912,083 2,370,035 2,962,218
Average order activity per custody account
(B2C annualised)**
10.1 8.6 8.5 8.0
Order volume per executed order (B2C, in EUR)** 5,102 4,247 4,721 4,914
Earnings ratios Q1 Q2 Q3 Q4
Net commission income
(in thou. EUR)
44,545 39,390 42,003 41,761
Net interest income before provisions (in thou. EUR) 41,806 37,425 37,223 34,529
Administrative expenses
(in thou. EUR)
59,321 53,029 60,229 63,332
Pre-tax profit (in thou. EUR) 29,592 23,884 19,985 20,081
Net profit/loss (in thou. EUR) 21,943 17,882 14,560 19,895
Earnings per share (in EUR) 0.16 0.13 0.10 0.14
Return on equity before tax (annualised, in %)1) 21.6 18.1 15.8 15.4
Cost/income ratio (in %) 66.6 68.2 72.0 75.9
Balance-sheet key figures 31.03. 30.06. 30.09. 31.12.
Balance-sheet total (in mill. EUR) 11,666 11,813 12,253 12,451
Equity (in mill. EUR) 599 537 563 586
Equity ratio (in %)2) 4.8 4.2 4.2 4.3
Regulatory indicators under Basel II 3) 31.03. 30.06. 30.09. 31.12.
Risk weighted assets
(in mill. EUR)4)
497 520 616 635
Eligible amount for operational risks (in mill. EUR) 28 16 14 15
Core capital (in mill. EUR) 390 390 389 386
Own funds for solvency purposes (in mill. EUR) 385 385 384 380
Own funds ratio (in %)5) 45.2 53.9 48.3 46.1
Employees' figures 31.03. 30.06. 30.09. 31.12.
Employees 1,167 1,155 1,161 1,176
Employees full-time basis 1,042.5 1,031.2 1,036.0 1,050.2

Download Quarterly Figures (Excel)

* B2C: comdirect bank AG; B2B: ebase GmbH
** Excluding CFD trades
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 bank 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

download key figures

* 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 bank 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

download key figures

* 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 bank 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

download key figures

* 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

Key figures of comdirect bank group - 2008

1st quarter
2nd quarter
3rd quarter
4th quarter
Customer figures
Total customers
1,072,847 1,213,718 1,285,180 1,349,297
Customers in the business line comdirect online
1,068,066 1,208,528 1,279,468 1,342,690
Customers in the business line comdirect offline
35,892 39,333 42,282 46,585
Business line comdirect online
Placed orders
2,976,116 2,362,027 2,618,182 3,586,764
Executed orders
2,426,680 1,903,845 2,088,194 2,812,659
Average order activity per custody account (annualised)
14.9 11.5 12.5 16.4
Share of fund transactions in executed orders (in %)
32.9 38.0 34.3 29.4
Order volume per executed order
(in EUR)
4,643 4,200 4,132 4,208
Total assets under custody (mill. EUR)
19,600 21,720 21,169 20,342
of which: portfolio volume (excluding funds) (mill. EUR)
7,618 7,717 7,107 6,756
of which: funds volume (mill. EUR)
3,517 3,863 3,387 3,120
of which: deposit volume (mill. EUR)
8,464 10,140 10,674 10,466
Credit volume (mill. EUR)
207 228 211 202
Number of custody accounts
655,825 665,368 670,365 697,806
Number of securities savings plans
151,157 151,917 145,860 118,128
Number of current accounts
354,989 368,376 379,402 425,149
Number of Call Money PLUS accounts
498,445 647,798 736,409 814,516
Business line comdirect offline
Advisers
202 206 204 199
Offices
28 29 30 32
Commission income (thou. EUR)
6,303 4,902 6,218 8,541
Earnings ratios
Net commission income (thou. EUR)
36,324 29,324 31,338 41,455
Net interest income before provisions (thou. EUR)
41,530 40,463 42,179 38,200
Administrative expenses (thou. EUR)
50,040 53,520 50,955 54,233
Pre-tax profit (thou. EUR)
27,491 12,757 20,595 16,917
Net profit/loss (thou. EUR)
20,407 9,625 14,878 12,782
Earnings per share (in EUR)
0.14 0.07 0.11 0.09
Balance-sheet key figures
Balance-sheet total (mill. EUR)
9,033 10,649 11,212 11,070
Equity (mill. EUR)
493 424 439 476
Equity ratio (in %) 1)
5.6 4.3 4.2 4.4
Regulatory indicators under Basel II 2) as of 31.03.
Risk weighted assets (mill. EUR) 3)
539 560 623 563
Eligible amount for operational risks (mill. EUR)
18 18 19 18
Own funds (mill. EUR) 4)
390 382 381 384
Own funds ratio (in %) 5)
51.5 49.1 44.3 49.1
Relative ratios
Return on equity before tax (annualised) (in %) 6)
22.2 10.6 17.7 14.1
Cost/income ratio (in %)
64.4 80.4 70.3 76.4
Earnings per customer (annualised) (in EUR)
299.1 231.9 229.1 216.1
Employees' figures
Employees
837 855 886 906
of which: in the business line comdirect online
785 798 823 835
of which: in the business line comdirect offline
52 57 63 71
Employees full-time basis
737.3 757.2 789.7 806.4

download key figures

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 the figures are not reported to the Supervisory Authority based on
national implementation conversion
3) Risk weighted assets in accordance with Section 10c of the German Banking Act (KWG) (intragroup receivables are zero weighted)
4) Own funds currently correspond to core capital at comdirect bank AG
5) Own funds ratio = own funds / (risk weighted assets + 12.5 x eligible amounts for operational risks)
6) Return on equity = pre-tax profit / average equity (excluding revaluation reserve) in the reporting period

Key figures of comdirect bank group - 2007

1st quarter
2nd quarter
3rd quarter
4th quarter4
Customer figures
Total customers
837,398 888,056 935,307 1,000,722
Customers in the business line comdirect online
834,302 884,636 931,499 996,599
Customers in the business line comdirect offline
23,341 26,507 30,057 32,469
Business line comdirect online
Placed orders
3,321,572 3,157,420 3,174,362 2,927,761
Executed orders
2,569,854 2,489,056 2,555,997 2,335,190
Average order activity per custody account (annualised)
16.9 16.2 16.5 14.7
Share of fund transactions in executed orders (in %)
28.8 30.5 30.1 33.2
Order volume per executed order
(in EUR)
5,096 5,973 5,434 4,547
Total assets under custody (mill. EUR)
17,712 19,560 20,242 20,373
of which: portfolio volume (excluding funds) (mill. EUR)
8,411 8,857 8,902 8,666
of which: funds volume (mill. EUR)
3,713 3,925 3,881 4,022
of which: deposit volume (mill. EUR)
5,588 6,778 7,459 7,686
Credit volume (mill. EUR)
201 188 194 216
Number of custody accounts
610,637 616,492 623,485 645,893
Number of securities savings plans
133,935 140,591 145,891 150,196
Number of current accounts
275,279 297,443 310,155 337,578
Number of Call Money PLUS accounts
159,642 252,665 332,031 400,414
Business line comdirect offline
Advisers
175 195 190 202
Offices
21 23 26 27
Commission income (thou. EUR)
5,998 4,629 4,539 7,831
Earnings ratios
Net commission income (thou. EUR)
39,073 37,998 38,430 37,223
Net interest income before provisions (thou. EUR)
28,567 29,413 32,688 36,496
Administrative expenses (thou. EUR)
42,382 44,884 47,827 52,344
Pre-tax profit (thou. EUR)
25,863 21,535 23,369 19,713
Net profit/loss (thou. EUR)
16,837 14,161 14,029 12,670
Earnings per share (in EUR)
0.12 0.10 0.10 0.09
Balance-sheet key figures
Balance-sheet total (mill. EUR)
6,290 7,332 8,028 8,233
Equity (mill. EUR)
636 452 464 478
Equity ratio (in %) )1
10.2 6.3 5.9 5.9
Risk weighted assets according to BIS (mill. EUR) )2
1,656 1,834 1,948 1,963
BIS core capital (mill. EUR) )2
422 421 419 420
BIS own funds (mill. EUR) )2
422 421 419 420
BIS own funds ratio (in %) )2
25.5 23.0 21.5 21.4
Relative ratios
Return on equity before tax (annualised) (in %) )3
16.4 15.7 20.0 16.4
Cost/income ratio (in %)
61.7 67.3 67.0 71.6
Earnings per customer (annualised) (in EUR)
332.5 307.9 312.4 297.8
Employees' figures
Employees
765 790 806 824
of which: in the business line comdirect online
734 758 775 786
of which: in the business line comdirect offline
31 32 31 38
Employees full-time basis
677.5 696.6 705.8 721.5

download key figures

1) Equity ratio = equity (excluding revaluation reserve) / balance-sheet total
2) BIS: these indicators were determined on the basis of internal calculations; publication is optional and there is no obligation for submission to the regulatory authorities
3) Return on equity = pre-tax profit / average equity (excluding revaluation reserve) in the reporting period
4) All the figures are preliminary and have not been audited

Key figures of comdirect bank group - 2006

1st quarter
2nd quarter
3rd quarter
4th quarter
Customer figures
Total customers
721,836 743,666 759,896 804,690
Customers in the business line comdirect online
720,353 741,967 757,903 802,102
Customers in the business line comdirect offline
10,051 13,302 15,854 20,024
Business line comdirect online
Placed orders
3,333,241 3,076,526 2,104,996 2,503,017
Executed orders
2,527,177 2,405,441 1,682,220 1,957,417
Average order activity per custody account (annualised)
17.7 16.5 11.4 13.1
Share of fund transactions in executed orders (in %)
25.0 26.7 32.2 31.6
Order volume per executed order
(in EUR)
5,704 6,270 4,941 4,618
Total assets under custody (mill. EUR)
14,984 14,291 14,938 16,387
of which: portfolio volume (excluding funds) (mill. EUR)
7,960 7,194 7,535 8,056
of which: funds volume (mill. EUR)
3,592 3,192 3,426 3,703
of which: deposit volume (mill. EUR)
3,431 3,904 3,977 4,627
Credit volume (mill. EUR)
227 223 206 208
Number of custody accounts
579,477 588,472 593,819 606,110
Number of securities savings plans
107,440 109,184 112,365 120,723
Number of current accounts
187,406 212,553 229,719 260,334
Number of Tagesgeld Plus ("call money plus") accounts
0 0 0 66,840
Business line comdirect offline
Advisers
118 128 141 158
Offices
14 15 17 19
Commission income (thou. EUR)
3,695 3,453 2,966 6,416
Earnings ratios
Net commission income (thou. EUR)
39,051 37,544 27,082 32,888
Net interest income before provisions (thou. EUR)
19,017 21,910 23,830 23,976
Administrative expenses (thou. EUR)
33,324 34,628 31,564 36,110
Profit from ordinary activities
(thou. EUR)
25,195 21,692 17,350 21,363
Pre-tax profit (thou. EUR)
25,195 21,692 17,350 21,363
Net profit/loss (thou. EUR)
16,149 13,982 10,886 15,985
Earnings per share (in EUR)
0.11 0.10 0.08 0.11
Balance-sheet key figures
Balance-sheet total (mill. EUR)
4,104 4,549 4,641 5,301
Equity (mill. EUR)
610 589 604 620
Equity ratio (in %)
15.0 13.1 13.1 11.8
Risk weighted assets according to BIS (mill. EUR)
1,182 1,274 1,258 1,378
BIS core capital (mill. EUR)
560 559 563 563
BIS own funds (mill. EUR)
560 559 563 563
BIS own funds ratio (in %)
47.4 43.9 44.7 40.9
Relative ratios
Return on equity before tax (annualised) (in %)
16.8 14.1 11.6 10.5
Cost/income ratio (in %)
56.1 61.0 62.9 61.9
Earnings per customer (annualised) (in EUR)
329.3 307.4 260.2 293.9
Employees' figures
Employees
647 690 732 732
of which: in the business line comdirect online
624 666 706 705
of which: in the business line comdirect offline
23 24 26 27
Employees full-time basis
568.6 609.5 651.2 648.0

download key figures

1) Equity ratio = equity (excluding revaluation reserve) / balance-sheet total
2) BIS: these indicators were determined on the basis of internal calculations; publication is optional and there is no obligation for submission to the regulatory authorities
3) Return on equity = pre-tax profit / average equity (excluding revaluation reserve) in the reporting period
4) All the figures are preliminary and have not been audited

Key figures of comdirect bank group - 2005

1st quarter
2nd quarter
3rd quarter
4th quarter
Customer figures
Total customers
606,862 616,545 623,852 656,064
Customers in the segment comdirect online
606,019 615,625 622,824 645,714
Customers in the segment comdirect offline
3,517 5,021 6,301 8,240
Business line comdirect online
Placed orders
1,974,006 1,874,478 2,290,966 2,322,231
Executed orders
1,559,449 1,481,175 1,799,377 1,849,616
Average order activity per custody account (annualised)
11.7 11.1 13.5 13.6
Share of fund transactions in executed orders (in %)
25.8 26.7 25.0 27.6
Order volume per executed order
(in EUR)
4,398 5,022 5,141 5,474
Total assets under custody (mill. EUR)
10,294 10,800 11,946 12,879
of which: portfolio volume (excluding funds) (mill. EUR)
6,008 6,162 6,762 7,142
of which: funds volume (mill. EUR)
2,026 2,222 2,652 3,019
of which: deposit volume (mill. EUR)
2,260 2,416 2,532 2,718
Credit volume (mill. EUR)
181 164 179 198
Number of custody accounts
531,430 533,057 536,133 550,948
Number of fund-based savings plans
77,802 80,268 85,228 92,395
Number of current accounts
94,898 108,068 120,279 155,958
Business line comdirect offline
Advisers
65 71 97 109
Offices
9 11 13 13
Total revenues (thou. EUR)
2,341 658 1,271 2,408
Earnings ratios
Net commission income (thou. EUR)
22,234 21,521 26,735 28,543
Net interest income before provisions (thou. EUR)
15,222 15,997 16,745 16,056
Administrative expenses (thou. EUR)
26,136 29,009 30,022 34,163
Profit from ordinary activities
(thou. EUR)
13,042 11,444 20,365 7,929
Pre-tax profit (thou. EUR)
13,042 11,444 20,365 7,929
Net profit/loss (thou. EUR)
8,289 7,330 14,521 4,047
Earnings per share (in EUR)
0.06 0.05 0.10 0.03
Balance-sheet key figures
Balance-sheet total (mill. EUR)
2,915 3,051 3,192 3,367
Equity (mill. EUR)
610 589 601 599
Equity ratio (in %)
20.9 19.3 18.8 17.8
Risk weighted assets according to BIS (mill. EUR)
850 866 966 1,036
Tier I capital according to BIS (mill. EUR)
564 564 565 566
Own funds according to BIS (mill. EUR)
566 569 568 566
Own funds ratio according to BIS (in %)
66.6 65.7 58.8 54.7
Relative ratios
Return on equity before tax (annualised) (in %)
8.7 7.5 13.8 5.3
Cost/income ratio (in %)
66.3 71.0 59.0 80.5
Earnings per customer (annualised) (in EUR)
255.3 264.5 325.0 263.1
Employees' figures
Employees
610 625 637 638
of which: in the segment comdirect online
591 607 618 618
of which: in the segment comdirect offline
19 18 19 20
Employees full-time basis
527.2 543.1 556.1 558.9

Key figures of comdirect bank group - 2004

1st quarter
2nd quarter
3rd quarter
4th
quarter
Customer figures
Total customers
661,488 630,927 632,456 620,952
Customers in the segment comdirect online
661,422 630,750 632,144 620,274
Customers in the segment comdirect offline
244 578 1,107 2,114
Business line comdirect online
Placed orders
2,551,292 1,648,056 1,358,912 1,605,164
Executed orders
2,111,290 1,500,565 1,204,329 1,323,503
Average order activity per custody account (annualised)
14.2 11.0 8.8 9.8
Share of fund transactions in executed orders (in %)
15.9 21.4 23.8 25.6
Order volume per executed order
(in EUR)
4,996 4,511 4,360 5,089
Total assets under custody (mill. EUR)
11,091 9,922 9,622 9,914
of which: portfolio volume (excluding funds) (mill. EUR)
6,802 5,769 5,448 5,748
of which: funds volume (mill. EUR)
1,707 1,721 1,735 1,831
of which: deposit volume (mill. EUR)
2,582 2,432 2,439 2,335
Credit volume (mill. EUR)
199 185 175 166
Number of custody accounts
601,944 549,552 545,156 538,522
Number of fund-based savings plans
55,890 58,406 62,452 68,401
Number of current accounts
75,449 79,077 84,175 88,905
Business line comdirect offline
Advisers
31 42 55 54
Offices
4 6 8 8
Total revenues (thou. EUR)
283 443 1,158 2,468
Earnings ratios
Net commission income (thou. EUR)
30,862 19,794 16,764 19,673
Net interest income before provisions (thou. EUR)
16,236 13,181 13,334 14,201
Administrative expenses (thou. EUR)
28,795 25,319 23,800 25,645
Profit from ordinary activities
(thou. EUR)
20,973 12,028 9,437 8,652
Pre-tax profit (thou. EUR)
20,973 12,028 9,437 8,652
Net profit/loss (thou. EUR)
13,542 9,067 6,024 5,336
Earnings per share (in EUR)
0.10 0.06 0.04 0.04
Balance-sheet key figures
Balance-sheet total (mill. EUR)
3,242 3,061 3,077 2,978
Equity (mill. EUR)
603 585 592 601
Equity ratio (in %)
18,6 19.1 19.2 20.2
Own funds ratio according to BIS (in %)
73,3 73.6 71.0 72.2
Relative ratios
Return on equity (in %) (annualised)
14.2 8.0 6.4 5.8
Cost/income ratio (in %)
57.9 67.7 71.2 74.6
Earnings per customer (in EUR)(annualised)
305.9 241.8 210.5 218.9
Employees' figures
Employees
638 596 609 616
of which: in the segment comdirect online
626 583 596 601
of which: in the segment comdirect offline
12 13 13 15
Employees full-time basis
561.5 511.1 522.7 528.3

Key figures of comdirect bank group - 2003

1st quarter
2nd quarter
3rd quarter
4th quarter
Key customer figures
Total customers of comdirect bank group
614,379 612,472 629,653 640,221
Direct brokerage customers Germany
551,105 545,606 543,684 541,944
Direct brokerage customers United Kingdom
37,205 41,343 45,293 49,698
Key figures for individual business lines
Total assets under custody (mill. EUR)
6,766 8,108 9,302 10,381
Assets under custody per customer
(in EUR)
11,013 13,238 14,773 16,215
a). Direct Brokerage:
Executed orders - group
1,303,011 1,598,122 1,794,455 1,673,381
Executed orders - subsidiaries
61,403 109,920 137,498 125,067
Average order activity per custody account - group
2.2 4.9 7.9 10.7
Average order activity per custody account - subsidiaries
1.8 4.6 7.9 10.6
Percentage of orders for fund products (in %)
16.8 14.2 13.8 16.4
Average size of order - group
5,059 4,178 4,569 4,963
Securities turnover (mill. EUR)
6,592 6,676 8,199 8,305
Portfolio volume (mill. EUR)
4,846 6,171 6,726 7,606
of which: funds volume (mill. EUR)
1,091 1,272 1,354 1,474
Portfolio volume per custody account (EUR)
8,237 10,514 11,420 12,856
Funds volume per custody account (EUR)
1,854 2,167 2,299 2,491
b). Deposit-taking business:
Total deposits - group (mill. EUR)
1,920 1,937 2,576 2,756
Total deposits per customer - group (EUR)
3,125 3,163 4,091 4,305
Key financial figures
Equity ratio - group (in %)
22.0 21.8 16.9 17.0
Own funds ratio according to BIS (in %)
96.8 93.4 74.7 68.0
Cost/income ratio - group (in %)
84.7 72.8 59.5 82.8
EPS - group (in EUR)
0.02 0.04 0.08 0.03
Key employees figures ( full-time basis )
Number of employees
724.6 622.0 584.1 522.0
Custody accounts per employee - group
812 944 1.009 1.123
Custody accounts per employee - subsidiaries
572 626 686 621

Key figures of comdirect bank group - 2002

1st quarter
2nd quarter
3rd quarter
4th quarter
Key customer figures
Total customers of comdirect bank group
647,242 630,067 626,658 622,242
Direct brokerage customers Germany
581,107 575,512 569,141 562,207
Direct brokerage customers United Kingdom
21,348 25,030 28,702 32,494
Direct brokerage customers France
14,175 - - -
Key figures for individual business lines
Total assets under custody (mill. EUR)
9,250 7,826 6,838 7,005
Assets under custody per customer
(in EUR)
14,291 12,421 10,912 11,258
a). Direct Brokerage:
Executed orders
1,444,957 1,257,212 1,577,010 1,464,731
Executed orders - subsidiaries
87,726 48,520 51,825 61,623
Average order activity per custody account - group
2.3 4.4 7.1 9.5
Average order activity per custody account - subsidiaries
2.6 4.5 6.5 8.6
Percentage of orders for fund products (in %)
11.5 15.9 14.2 15.0
Average size of order
3,494 3,067 3,506 4,895
Securities turnover (mill. EUR)
5,048 3,856 5,529 7,170
Portfolio volume (mill. EUR)
7,072 5,763 4,816 5,057
of which: funds volume (mill. EUR)
1,210 1,099 1,017 1,066
Portfolio volume per custody account (EUR)
11,469 9,596 8,056 8,503
Funds volume per custody account (EUR)
1,962 1,830 1,701 1,792
b). Deposit-taking business:
Total deposits (mill. EUR)
2,178 2,063 2,022 1,948
Total deposits per customer - group (EUR)
3,365 3,274 3,227 3,131
Key financial figures
Equity ratio (in %)
20.3 21.2 20.7 21.8
Own funds ratio according to BIS (in %)
73.4 - - 84.4
Cost/income ratio (in %)
99.7 95.0 94.9 94.4
EPS (in EUR)
-0.01 0.01 -0.14 0.07
Key employees figures ( full-time basis )
Number of employees
1,049.4 927.0 886.8 789.6
Custody accounts per employee - group
588 648 674 753
Custody accounts per employee - subsidiaries
226 383 442 516

Key figures of comdirect bank group - 2001

1st quarter
2nd quarter
3rd quarter
4th quarter
Key customer figures
Total customers of comdirect bank group
618,089 631,047 643,799 648,611
Direct brokerage customers Germany
565,397 576,509 585,264 583,774
Direct brokerage customers United Kingdom
1,499 3,664 7,957 15,361
Direct brokerage customers France
14,386 15,385 15,532 15,699
Direct brokerage customers Italy
- 188 238 377
Key figures for individual business lines
Total assets under custody (mill. EUR)
8,870 9,416 7,447 9,001
Assets under custody per customer
(in EUR)
14,351 14,921 11,567 13,877
a). Direct Brokerage:
Executed orders
2,019,680 1,613,038 1,261,619 1,670,869
Executed orders - subsidiaries
53,926 86,153 63,609 101,362
Average order activity per custody account - group
3.6 6.4 8.5 11.4
Average order activity per custody account - subsidiaries
6.1 13.0 15.7 18.1
Percentage of orders for fund products (in %)
3.3 4.7 9.6 8.1
Average size of order
3,056 2,850 2,971 3,308
Securities turnover (mill. EUR)
6,172 4,597 3,748 5,528
Portfolio volume (mill. EUR)
6,706 7,193 5,156 6,699
of which: funds volume (mill. EUR)
965 1,075 881 1,093
Portfolio volume per custody account (EUR)
11,537 12,074 8,467 10,889
Funds volume per custody account (EUR)
1,660 1,804 1,447 1,777
b). Deposit-taking business:
Total deposits (mill. EUR)
2,164 2,223 2,291 2,302
Total deposits per customer - group (EUR)
3,501 3,523 3,559 3,551
Key financial figures
Equity ratio (in %)
24.5 23.5 22.9 19.4
Own funds ratio according to BIS (in %)
- - - 70.9
Cost/income ratio (in %)
136.7 165.7 106.3 108.2
EPS (in EUR)
-0.13 -0.13 -0.07 -0.81
Key employees figures ( full-time basis )
Number of employees
1,320.2 1,286.0 1,202.3 1,109.8
Custody accounts per employee - group
440 463 507 554
Custody accounts per employee - subsidiaries
88 98 131 182

Key figures of comdirect bank group - 2000

1st quarter
2nd quarter
3rd quarter
4th quarter
Key customer figures
Total customers of comdirect bank group
387,360 547,222 566,533 577,465
Direct brokerage customers Germany
333,895 505,252 525,432 536,951
Direct brokerage customers United Kingdom
- 13 374 803
Direct brokerage customers France
586 718 926 1,441
Key figures for individual business lines
Total assets under custody (mill. EUR)
11,379 11,883 12,390 10,160
Assets under custody per customer
(in EUR)
29,376 21,715 21,870 17,594
a). Direct Brokerage:
Executed orders
2,820,876 2,616,371 2,463,271 2,422,849
Executed orders - subsidiaries
26,788
25,901 21,027 25,749
Average order activity per custody account - group
10.1 14.8 21.0 27.0
Average order activity per custody account - subsidiaries
51.7 93.2 86.7 75.2
Percentage of orders for fund products (in %)
4.3 3.3 3.5 3.5
Average size of order
4,124 3,274 3,506 3,206
Securities turnover (mill. EUR)
11,632
8,565 8,636 7,767
Portfolio volume (mill. EUR)
8,639 9,379 10,158 8,111
of which: funds volume (mill. EUR)
791 1,087 1,269 1,127
Portfolio volume per custody account (EUR)
25,828 18,536 19,285 15,043
Funds volume per custody account (EUR)
2,365 2,148 2,409 2,090
b). Deposit-taking business:
Total deposits (mill. EUR)
2,740 2,504 2,232 2,049
Total deposits per customer - group (EUR)
7,074 4,576 3,940 3,548
Key financial figures
Equity ratio (in %)
2.4 22.5 24.4 25.7
Own funds ratio according to BIS (in %)
- - - -
Cost/income ratio (in %)
83.7 74.6 101.5 97.9
EPS (in EUR)
0.03 0.09 -0.04 -0.05
Key employees figures ( full-time basis )
Number of employees
956.2 1,182.0 1,286.7 1,286.7
Custody accounts per employee - group
350 428 409 419
Custody accounts per employee - subsidiaries
10 8 11 15

download key figures

Notes:
- From 1st quarter 2000 to 1st quarter 2002 inkluding comdirect S.A., France
- From 2nd quarter 2001 bis 4th quarter 2001 inkluding comdirect S.p. A., Italy
- From 2nd quarter 2000 bis 1st quarter 2004 inkluding comdirect ltd, United Kingdom
- We have published quarterly results since 2nd quarter 2000