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Highlights 2012

More customers. We gained almost 125 thousand customers in 2012, thereby consolidating our position as one of the leading direct banks in Germany. Alongside more active marketing and very successful customers-attract-customers campaigns, we reaped the rewards of our product initiatives centred on the current account and card in particular.

More accounts and custody accounts. Our fee-free current account with satisfaction guarantee remains the engine of growth for our banking offering. Our new account services convinced not only new customers, but many existing customers as well, with the result that the 16% rise in the number of accounts was much higher than the increase in the number of customers. At the same time, the popularity of the current account was reflected in call money accounts and custody accounts, which benefited from the cross-selling effect.

More assets under custody. In addition to growth in customers, the sharp rise in prices in the equity markets impacted positively on the portfolio holdings of our customers. The deposit volumes in our current and call money accounts also increased.

Best bank 2012. comdirect successfully defended its title of “Beste Bank” in Germany. Independent testers from S.W.I. Finance scrutinised the product offering and terms and conditions, as well as complaints management, advice and customer services on behalf of finance magazine “€uro”. With an average ranking of 1.4, comdirect won the “Beste Direktbank” category, and moreover outperformed all of the branch banks included in the test.

Best online broker. In addition, the sister magazine “€uro am Sonntag” named comdirect best online broker. Among other factors, the analysis looked at the securities offering, standard terms and conditions, security, information and analysis tools, as well as the order functionalities of a total of 14 online banks.

Satisfied customers. 86% of our customers would recommend us to friends or family – 5 percentage points more than in the previous year. And we encourage them to do so: around a quarter of our new customers in 2012 were gained through our “customers-attract-customers” programme. And once someone becomes a comdirect customer, they generally want to remain one. 85% of our customers intend to remain loyal to us in the next two years as well, as shown by our latest customer loyalty survey.