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Financial key figures

    2012 2011 Change in %
*) 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 is voluntary and based on national implementation conversion 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 for solvency purposes/(risk weighted assets + 12.5 x eligible amounts for operational risks)
Customers, assets under custody and key products   31.12. 31.12.  
comdirect group*        
Customers number 2,755,257 2,630,525 4.7
Custody accounts number 1,702,021 1,683,301 1.1
Total assets under custody in € million 48,854 41,587 17.5
– of which: portfolio volume in € million 37,134 30,882 20.2
– of which: deposit volume in € million 11,720 10,705 9.5
business-to-customer (B2C) business line        
Customers number 1,716,783 1,632,467 5.2
Custody accounts number 806,417 783,616 2.9
Current accounts number 901,419 774,518 16.4
Tagesgeld PLUS (“call money plus”) accounts number 1,344,940 1,235,770 8.8
Total assets under custody in € million 27,909 24,896 12.1
– of which: portfolio volume in € million 16,286 14,324 13.7
– of which: deposit volume in € million 11,623 10,571 10.0
Credit volume in € million 173 189 - 8.5
business-to-business (B2B) business line        
Customers number 1,038,474 998,058 4.0
Custody accounts number 895,604 899,685 - 0.5
Total assets under custody in € million 20,945 16,692 25.5
– of which: portfolio volume in € million 20,848 16,558 25.9
– of which: deposit volume in € million 97 134 - 27.6
   
Orders and order volume   2012 2011  
Executed orders number 17,988,010 18,677,910 - 3.7
– of which: B2C number 8,472,017 9,151,389 - 7.4
– of which: B2B number 9,515,993 9,526,521 - 0.1
Average order activity per custody account (B2C) number 8.8 11.9 - 26.1
Order volume per executed order (B2C) in € 4,759 5,308 - 10.3
   
Earnings ratios   2012 2011  
Net commission income in € thousand 166,416 182,585 - 8.9
Net interest income before provisions in € thousand 151,801 150,847 0.6
Administrative expenses in € thousand 236,702 232,074 2.0
Pre-tax profit in € thousand 92,286 108,076 - 14.6
Net profit in € thousand 73,358 111,763 - 34.4
Earnings per share in € 0.52 0.79 - 34.2
Return on equity before tax 1) in % 17.3 21.2 -
Cost/income ratio in % 71.0 68.0 -
   
Balance sheet key figures   31.12. 31.12.  
Balance sheet total in € million 12,446 11,378 9.4
Equity in € million 586 547 7.1
Equity ratio 2) in % 4.3 4.7 -
   
Regulatory indicators under Basel II 3)   31.12. 31.12.  
Risk weighted assets 4) in € million 635 514 23.5
Eligible amount for operational risks in € million 15 29 - 48.3
Core capital in € million 386 356 8.4
Own funds for solvency purposes in € million 380 351 8.3
Own funds ratio 5) in % 46.1 40.1 -
         
Employees’ figures   31.12. 31.12.  
Employees number 1,176 1,148 2.4
Employees full-time basis number 1,050.2 1,024.8 2.5