Six-year overview of comdirect group

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   2013Change
in %
2012 Change
in %
2011 Change
in %
2010 Change
in %
2009 Change
in %
2008
(including
ebase)
2008
(excluding
ebase)
Customers, assets under custody and key products                        
comdirect group*  31,12.  31,12.   31,12.   31,12.   31,12.   31,12. 31,12.
Customers number2,825,0672.5 2,755,257 4.7 2,630,525 14.6 2,296,075 6.8 2,150,563 3.4 2,078,850 1,349,297
Custody accounts number1,697,006– 0.3 1,702,021 1.1 1,683,301 13.6 1,482,023 4.4 1,419,037 – 0.6 1,427,359 697,806
Total assets under custody in € million55,04612.7 48,854 17.5 41,587 – 2.2 42,535 19.6 35,572 15.0 30,933 20,342
– of which: portfolio volume in € million41,57912.0 37,134 20.2 30,882 – 4.1 32,197 21.7 26,463 29.4 20,454 9,876
– of which: deposit volume in € million13,46714.9 11,720 9.5 10,705 3.6 10,338 13.5 9,110 – 13.1 10,479 10,466
business-to-customer (B2C) business line          
Customers number1,823,5796.2 1,716,783 5.2 1,632,467 4.7 1,559,021 7.5 1,450,720 7.5 1,349,297 1,349,297
Custody accounts number839,9494.2 806,417 2.9 783,616 4.7 748,151 4.0 719,194 3.1 697,806 697,806
Current accounts number1,043,19215.7 901,419 16.4 774,518 19.7 647,048 21.2 533,928 25.6 425,149 425,149
Tagesgeld PLUS (“daily money plus”) accounts number1,461,4718.7 1,344,940 8.8 1,235,770 9.3 1,130,998 17.7 960,935 18.0 814,516 814,516
Total assets under custody in € million31,89114.3 27,909 12.1 24,896 – 5.4 26,319 18.3 22,241 9.3 20,342 20,342
– of which: portfolio volume in € million18,56414.0 16,286 13.7 14,324 – 11.1 16,113 22.5 13,158 33.2 9,876 9,876
– of which: deposit volume in € million13,32714.7 11,623 10.0 10,571 3.6 10,207 12.4 9,083 – 13.2 10,466 10,466
Credit volume in € million159– 8.1 173 – 8.5 189 – 4.5 198 12.4 176 – 11.3 198 198
business-to-business (B2B) business line            
Customers number1,001,488– 3.6 1,038,474 4.0 998,058 35.4 737,054 5.3 699,843 – 4.1 729,553
Custody accounts number857,061– 4.3 895,604 – 0.5 899,685 22.6 733,872 4.9 699,843 – 4.1 729,553
Total assets under custody in € million23,15610.6 20,945 25.5 16,692 2.9 16,216 21.6 13,331 25.9 10,591
– of which: portfolio volume in € million23,01510.4 20,848 25.9 16,558 2.9 16,084 20.9 13,305
– of which: deposit volume in € million14044.3 97 – 27.6 134 2.3 131 > 100 26
                         
Orders and order volume  2013  2012   2011   2010   2009   2008 2008
Executed orders number19,189,6226.7 17,988,010 – 3.7 18,677,910 22.0 15,305,203 4.4 14,661,234 – 17.1 17,682,007 9,231,378
– of which: B2C number9,989,08617.9 8,472,017 – 7.4 9,151,389 17.0 7,824,053 6.9 7,319,045 – 20.7 9,231,378 9,231,378
– of which: B2B number9,200,536– 3.3 9,515,993 – 0.1 9,526,521 27.3 7,481,150 1.9 7,342,189 – 13.1 8,450,629
Average order activity per custody account (B2C) number12.113.1 10.7 – 10.1 11.9 11.2 10.7 3.9 10.3 – 25.0 13.7 13.7
Order volume per executed order (B2C)1) in €5,75921.0 4,759 – 10.3 5,308 3.9 5,110 13.3 4,512 4.8 4,304 4,304
                         
Earnings ratios  2013  2012   2011   2010   2009   2008 2008
Net commission income in € thousand188,33012.3 167,699 – 8.2 182,585 5.7 172,772 16.1 148,757 – 16.0 177,034 138,441
Net interest income before provisions for possible loan losses in € thousand138,641– 8.2 150,983 0.1 150,847 47.8 102,074 – 6.1 108,693 – 33.5 163,405 162,372
Administrative expenses in € thousand259,86610.2 235,911 1.7 232,074 10.5 210,028 5.6 198,918 – 18.1 242,774 208,748
Pre-tax profit in € thousand80,032– 14.4 93,542 – 13.5 108,076 33.6 80,874 6.4 75,993 – 8.2 82,754 77,760
Net profit in € thousand60,534– 18.5 74,280 – 33.5 111,763 87.4 59,634 5.3 56,624 – 6.9 60,838 57,692
Earnings per share in €0.43– 18.9 0.53 – 32.9 0.79 88.1 0.42 5.3 0.40 – 6.8 0.43 0.41
Return on equity before tax2) in %15.1 17.5 21.2 16.8 17.6 17.0 16.0
Cost/income ratio in %76.1 70.7 68.0 72.1 70.4 74.3 72.6
Dividend per share in €0.363)  0.44 – 21.4 0.56 33.3 0.42 2.4 0.41 0.0 0.41 0.41
                         
Balance sheet key figures  31,12.  31,12.   31,12.   31,12.   31,12.   31,12. 31,12.
Balance sheet total in € million14,16313.7 12,451 9.4 11,378 3.1 11,040 12.8 9,785 – 12.3 11,158 11,070
Equity in € million552– 5.8 586 7.1 547 6.4 514 – 3.6 533 12.2 475 476
Equity ratio4) in %3.7 4.3 4.7 4.4 4.9 4.4 4.4
                         
Employees’ figures  31,12.  31,12.   31,12.   31,12.   31,12.   31,12. 31,12.
Employees number1,2334.8 1,176 2.4 1,148 2.5 1,120 – 3.0 1,155 – 0.7 1,163 906
Employees full-time basis number1,100.64.8 1,050.2 2.5 1,024.8 2.2 1,002.9 – 2.6 1,029.2 – 0.4 1,033.3 806.4
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   2013Change
in %
2012 Change
in %
2011 Change
in %
2010 Change
in %
2009 Change
in %
2008
(including
ebase)
2008
(excluding
ebase)
Customers, assets under custody and key products                        
comdirect group*  31,12.  31,12.   31,12.   31,12.   31,12.   31,12. 31,12.
Customers number2,825,0672.5 2,755,257 4.7 2,630,525 14.6 2,296,075 6.8 2,150,563 3.4 2,078,850 1,349,297
Custody accounts number1,697,006– 0.3 1,702,021 1.1 1,683,301 13.6 1,482,023 4.4 1,419,037 – 0.6 1,427,359 697,806
Total assets under custody in € million55,04612.7 48,854 17.5 41,587 – 2.2 42,535 19.6 35,572 15.0 30,933 20,342
– of which: portfolio volume in € million41,57912.0 37,134 20.2 30,882 – 4.1 32,197 21.7 26,463 29.4 20,454 9,876
– of which: deposit volume in € million13,46714.9 11,720 9.5 10,705 3.6 10,338 13.5 9,110 – 13.1 10,479 10,466
business-to-customer (B2C) business line          
Customers number1,823,5796.2 1,716,783 5.2 1,632,467 4.7 1,559,021 7.5 1,450,720 7.5 1,349,297 1,349,297
Custody accounts number839,9494.2 806,417 2.9 783,616 4.7 748,151 4.0 719,194 3.1 697,806 697,806
Current accounts number1,043,19215.7 901,419 16.4 774,518 19.7 647,048 21.2 533,928 25.6 425,149 425,149
Tagesgeld PLUS (“daily money plus”) accounts number1,461,4718.7 1,344,940 8.8 1,235,770 9.3 1,130,998 17.7 960,935 18.0 814,516 814,516
Total assets under custody in € million31,89114.3 27,909 12.1 24,896 – 5.4 26,319 18.3 22,241 9.3 20,342 20,342
– of which: portfolio volume in € million18,56414.0 16,286 13.7 14,324 – 11.1 16,113 22.5 13,158 33.2 9,876 9,876
– of which: deposit volume in € million13,32714.7 11,623 10.0 10,571 3.6 10,207 12.4 9,083 – 13.2 10,466 10,466
Credit volume in € million159– 8.1 173 – 8.5 189 – 4.5 198 12.4 176 – 11.3 198 198
business-to-business (B2B) business line            
Customers number1,001,488– 3.6 1,038,474 4.0 998,058 35.4 737,054 5.3 699,843 – 4.1 729,553
Custody accounts number857,061– 4.3 895,604 – 0.5 899,685 22.6 733,872 4.9 699,843 – 4.1 729,553
Total assets under custody in € million23,15610.6 20,945 25.5 16,692 2.9 16,216 21.6 13,331 25.9 10,591
– of which: portfolio volume in € million23,01510.4 20,848 25.9 16,558 2.9 16,084 20.9 13,305
– of which: deposit volume in € million14044.3 97 – 27.6 134 2.3 131 > 100 26
                         
Orders and order volume  2013  2012   2011   2010   2009   2008 2008
Executed orders number19,189,6226.7 17,988,010 – 3.7 18,677,910 22.0 15,305,203 4.4 14,661,234 – 17.1 17,682,007 9,231,378
– of which: B2C number9,989,08617.9 8,472,017 – 7.4 9,151,389 17.0 7,824,053 6.9 7,319,045 – 20.7 9,231,378 9,231,378
– of which: B2B number9,200,536– 3.3 9,515,993 – 0.1 9,526,521 27.3 7,481,150 1.9 7,342,189 – 13.1 8,450,629
Average order activity per custody account (B2C) number12.113.1 10.7 – 10.1 11.9 11.2 10.7 3.9 10.3 – 25.0 13.7 13.7
Order volume per executed order (B2C)1) in €5,75921.0 4,759 – 10.3 5,308 3.9 5,110 13.3 4,512 4.8 4,304 4,304
                         
Earnings ratios  2013  2012   2011   2010   2009   2008 2008
Net commission income in € thousand188,33012.3 167,699 – 8.2 182,585 5.7 172,772 16.1 148,757 – 16.0 177,034 138,441
Net interest income before provisions for possible loan losses in € thousand138,641– 8.2 150,983 0.1 150,847 47.8 102,074 – 6.1 108,693 – 33.5 163,405 162,372
Administrative expenses in € thousand259,86610.2 235,911 1.7 232,074 10.5 210,028 5.6 198,918 – 18.1 242,774 208,748
Pre-tax profit in € thousand80,032– 14.4 93,542 – 13.5 108,076 33.6 80,874 6.4 75,993 – 8.2 82,754 77,760
Net profit in € thousand60,534– 18.5 74,280 – 33.5 111,763 87.4 59,634 5.3 56,624 – 6.9 60,838 57,692
Earnings per share in €0.43– 18.9 0.53 – 32.9 0.79 88.1 0.42 5.3 0.40 – 6.8 0.43 0.41
Return on equity before tax2) in %15.1 17.5 21.2 16.8 17.6 17.0 16.0
Cost/income ratio in %76.1 70.7 68.0 72.1 70.4 74.3 72.6
Dividend per share in €0.363)  0.44 – 21.4 0.56 33.3 0.42 2.4 0.41 0.0 0.41 0.41
                         
Balance sheet key figures  31,12.  31,12.   31,12.   31,12.   31,12.   31,12. 31,12.
Balance sheet total in € million14,16313.7 12,451 9.4 11,378 3.1 11,040 12.8 9,785 – 12.3 11,158 11,070
Equity in € million552– 5.8 586 7.1 547 6.4 514 – 3.6 533 12.2 475 476
Equity ratio4) in %3.7 4.3 4.7 4.4 4.9 4.4 4.4
                         
Employees’ figures  31,12.  31,12.   31,12.   31,12.   31,12.   31,12. 31,12.
Employees number1,2334.8 1,176 2.4 1,148 2.5 1,120 – 3.0 1,155 – 0.7 1,163 906
Employees full-time basis number1,100.64.8 1,050.2 2.5 1,024.8 2.2 1,002.9 – 2.6 1,029.2 – 0.4 1,033.3 806.4