This Is Commerzbank An Overview Commerzbank AG Group Communications Frankfurt, 8 February 2018
Agenda 1 Facts and Figures page 2 5 2 Board of Managing Directors page 6 3 Strategic Positioning page 7 4 Segments page 8 9 5 Brand page 10 6 Corporate Responsibility page 11 7 History page 12 8 Awards page 13 Commerzbank AG Group Communications Frankfurt, 8 February 2018 1
1 2 3 4 5 6 7 8 Facts and Figures: an Overview A leading international commercial bank with a client-focussed portfolio of financial services in two segments Focussed Business Model Digital Enterprise Enhancing Efficiency Private and Small Business Customers Corporate Clients Commerzbank AG Group Communications Frankfurt, 8 February 2018 2
1 2 3 4 5 6 7 8 Facts and Figures: Commerzbank s Global Presence New York Caracas London Almaty Beijing Tbilisi Seoul Frankfurt Tashkent Tokyo Baku Shanghai Beirut Ashgabat Bagdad Dhaka Taipeh Cairo Hong Kong Dubai Mumbai Bangkok Abidjan Lagos Ho Chi Minh City Addis Abeba Kuala Lumpur Singapore Luanda Jakarta London Brussels Madrid Moscow Hamburg Minsk Amsterdam Plzeň Prague Luxemburg Warsaw Ostrava Bratislava Kiev Brno Vienna Paris Budapest Zurich Bucharest Milan Zagreb Barcelona Saint Petersburg Belgrade Istanbul São Paulo Buenos Aires Johannesburg Melbourne branches representative offices subsidiaries 5 subsidiaries, 22 branches, and 34 representative offices internationally Approximately 1,000 branches in Germany Commerzbank AG Group Communications Frankfurt, 8 February 2018 3
1 2 3 4 5 6 7 8 Facts and Figures: Highlights Germany Europe Digital Approximately 12.7 million private and small business customers One is the name of the multichannel bank: one sole IT platform workable for all channels and clients With approximately 1,000 branches one of the densest networks in the German private banking sector With approximately 30 per cent market share: the leading bank in processing German foreign trade Market leader for SMEs Sector know-how due to penetration of German key industrial sectors Top ranking for equity research and sales Leading provider of trade services within the eurozone Top rankings in the bond market mbank: preferred business partner for German corporates in Poland Comdirect in Germany and mbank in Poland: two of the most innovative online banks Digital Campus Main Incubator Start-up Garage Neugelb Digital Agency Commerz Ventures Safety guarantee for online and mobile banking services Quickest service to open a bank account online Commerzbank AG Group Communications Frankfurt, 8 February 2018 4
1 2 3 4 5 6 7 8 Facts and Figures: Selected Group Financial Figures Figures Total revenues (in m) FY 2016 FY 2017 Q4 2017 9,399 9,163 2,193 Shareholder structure as of Dec. 2017 Op. result (in m) 1,399 1,303 159 > 5% Black Rock > 5% Cerberus Consolidated profit (in m)* Cost income ratio op. business (%) CET 1 (%)** Op. RoTE (%) 279 156 90 75.5 77.3 81.3 12.3 14.1 14.1 5.3 4.8 2.3 31.12.2016 31.12.2017 ~25% Private Investors ~50% > 15% Federal Republic of Germany Institutional Investors Employees 49,941 49,417 Commerzbank AG Group Communications Frankfurt, 8 February 2018 * Attributable to Commerzbank shareholders. ** Basel 3, fully phased-in. 5
1 2 3 4 5 6 7 8 Board of Managing Directors Martin Zielke Chairman Frank Annuscheit Chief Operating Officer Dr. Marcus Chromik Chief Risk Officer Stephan Engels Chief Financial Officer Michael Mandel Private and Small Business Customers Dr. Bettina Orlopp Compliance Human Resources Legal Michael Reuther Corporate Clients Commerzbank AG Group Communications Frankfurt, 8 February 2018 6
1 2 3 4 5 6 7 8 Strategic Positioning: Commerzbank 4.0 Our goal: higher profitability and enhanced competitiveness We continue building on our strengths in the core business and advance digitalisation, whilst remaining focussed on increasing revenues together with reducing costs By 2020, 80 per cent of all relevant processes will be digital Private and Small Business Customers Flexible multi-channel bank with traditional values Corporate Clients Long-term business partner in Germany and abroad with an intelligent mix of credit and capital market products Commerzbank AG Group Communications Frankfurt, 8 February 2018 7
1 2 3 4 5 6 7 8 Segments of Commerzbank: Private and Small Business Customers m FY 2016 FY 2017 Q4 2017 Revenues 4,818 4,832 1,190 Op. result 1,078 867 149 Around 10,000 advisors and approximately 12.7 million customers in Germany: one of the leading banks for private and small business customers 2 million net new customers in Germany by 2020 One is the name of the multi-channel bank: one sole IT platform workable for all channels and clients Approximately 1,000 branches: one of the densest branch networks among German private banks 2 different types of branches: flagship branch focussed on advisory, city branch focussed on serving clients in the most efficient manner Comdirect and mbank: two of the leading online banks Commerzbank AG Group Communications Frankfurt, 8 February 2018 8
1 2 3 4 5 6 7 8 Segments of Commerzbank: Corporate Clients m FY 2016 FY 2017 Q4 2017 Revenues 4,447 3,989 975 Op. result 1,289 809 66 Further improved client coverage due to stronger linkage of our expertise in corporate banking and capital markets Approximately 30 per cent market share: Commerzbank is the leading bank in processing German foreign trade Unchallenged No. 1 financing SMEs in Germany More than 100 locations in Germany, almost 50 hubs worldwide Leading provider of risk hedging solutions for corporate clients Top rankings in the European bond market and a top 10 position in EMEA* for syndicated loans Commerzbank AG Group Communications Frankfurt, 8 February 2018 * Europe, Middle East, and Africa 9
1 2 3 4 5 6 7 8 The Commerzbank Brand Fairness and competence are the defining components of the Commerzbank brand Our brand promise: The bank at your side Commerzbank is premium partner of the German Football Association (Deutscher Fußball- Bund, DFB) Commerzbank AG Group Communications Frankfurt, 8 February 2018 10
1 2 3 4 5 6 7 8 Corporate Responsibility Responsible partner for a sustainable economic and social development Selected ratings and indices: MSCI ESG: A Oekom Research: C Sustainable corporate governance Enhanced culture of integrity Review of transactions on ESG* risks Markets and clients Bank for energy transition Sustainable investments Environment and society Climate strategy: 70% CO 2 by 2020** Support for popular sports Targets: Enhance sustainability in the core business Sharpen the profile as active part of society Sustainalytics: Outperformer rank 35 of 322 analysed banks CDP: B STOXX Global ESG Leaders part of the leading group of companies worldwide which distinguish themselves in terms of the ESG criteria Commerzbank AG Group Communications Frankfurt, 8 February 2018 * Environmental Social Governance ** In comparison to 2007. 11
1 2 3 4 5 6 7 8 History: International Bank with 140 Years of Tradition 2016 1 May: Martin Zielke new Chairman of the Board 2013 Final redemption of the silent participation of the Financial Market Stabilisation Fund (Finanzmarktstabilisierungsfonds, Soffin) 2011 Integration of Dresdner Bank completed 2009 Financial market crisis 2008 Announcement of the merger with Dresdner Bank 1995 Foundation of Comdirect: launch of Commerzbank s direct banking business 1940 New name: Commerzbank 1870 Foundation of Commerz- und Disconto-Bank in Hamburg, Germany Commerzbank AG Group Communications Frankfurt, 8 February 2018 12
1 2 3 4 5 6 7 8 Awards: an Overview Decorated for an outstanding performance in several areas Commerzbank AG Group Communications Frankfurt, 8 February 2018 13
Disclaimer This presentation contains forward-looking statements. Forward-looking statements are statements that are not historical facts; they include, inter alia, statements about Commerzbank s beliefs and expectations and the assumptions underlying them. These statements are based on plans, estimates, projections and targets as they are currently available to the management of Commerzbank. Forward-looking statements therefore speak only as of the date they are made, and Commerzbank undertakes no obligation to update any of them in light of new information or future events. By their very nature, forward-looking statements involve risks and uncertainties. A number of important factors could therefore cause actual results to differ materially from those contained in any forward-looking statement. Such factors include, among others, the conditions in the financial markets in Germany, in Europe, in the United States and elsewhere from which Commerzbank derives a substantial portion of its revenues and in which it holds a substantial portion of its assets, the development of asset prices and market volatility, potential defaults of borrowers or trading counterparties, the implementation of its strategic initiatives and the reliability of its risk management policies. In addition, this presentation contains financial and other information which has been derived from publicly available information disclosed by persons other than Commerzbank ( external data ). In particular, external data has been derived from industry and customer-related data and other calculations taken or derived from industry reports published by third parties, market research reports and commercial publications. Commercial publications generally state that the information they contain has originated from sources assumed to be reliable, but that the accuracy and completeness of such information is not guaranteed and that the calculations contained therein are based on a series of assumptions. The external data has not been independently verified by Commerzbank. Therefore, Commerzbank cannot assume any responsibility for the accuracy of the external data taken or derived from public sources. Commerzbank AG Group Communications Frankfurt, 8 February 2018 14