This Is Commerzbank...This presentation contains forward-looking statements. Forward-looking...
Transcript of This Is Commerzbank...This presentation contains forward-looking statements. Forward-looking...
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Commerzbank AG | Group Communications | Frankfurt, 5 August 2020
This Is Commerzbank An Overview
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Agenda
Commerzbank AG | Group Communications | Frankfurt, 5 August 2020 1
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 Sustainability page 11
7 Digitalisation page 12
8 Diversity & Inclusion page 13
9 History page 14
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A leading international commercial bank with a client-focussed portfolio
of financial services in two segments
Facts and Figures: an Overview
Commerzbank AG | Group Communications | Frankfurt, 5 August 2020 2
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Corporate Clients
Digital
Enterprise
Enhancing
Efficiency
Focussed
Business Model
Private and Small-Business
Customers
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Facts and Figures: Commerzbank’s Global Presence
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● Shanghai
● Hong Kong
● Melbourne
●
●
●
●
●
● Taipeh
●
●
● Beirut
● Kuala Lumpur
● ●
● Tashkent ●
● ●
● Baku
● ● Lagos
● Luanda
● Johannesburg
● Abidjan
● Cairo
São Paulo
● Buenos Aires
● Caracas
● Seoul
● Dhaka
Addis Abeba
Beijing
Tokyo
Ho Chi Minh City
Jakarta
Singapore
Dubai Mumbai
Bangkok
Tbilisi
Bagdad Ashgabat
Almaty
Frankfurt ● New York
● branches
● subsidiaries
● representative offices
Approximately 800 branches going forward in
Germany
6 material subsidiaries, 20 operational foreign
branches, and 31 representative offices inter-
nationally
London •
• •
• •
•
•
• •
•
• • •
•
•
• •
Paris
Milan
Luxemburg
Brussels
Zurich
Amsterdam
Vienna
Prague
Bratislava
Belgrade Zagreb Bucharest
• Kiev
Budapest
• Minsk
• Istanbul
• Brno
Hamburg
Warsaw
• Saint Petersburg
• Madrid • Barcelona
London
Panama City ●
Moscow •
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Facts and Figures: Highlights
Commerzbank AG | Group Communications | Frankfurt, 5 August 2020 4
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Germany Europe Digital
Top rankings in the bond market
Approximately 11.5 million private
and small-business customers
With approximately 800 branches
going forward, one of the densest
networks in Germany
Top ranking for equity research and
sales
Market leader for SMEs
One sole IT platform workable for
all channels and clients
With approximately 30% market
share: the leading bank in pro-
cessing German foreign trade
Commerz Ventures
Start-up Garage
Safety guarantee for online and
mobile banking services
Quickest service to open a bank
account online
“Neugelb” Digital Agency
Digital Campus
Main Incubator
Sector know-how due to penetration
of German key industrial sectors
One of the leading providers of
trade services within the eurozone
Important contact for wealth
management and small-business
customers
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mBank: preferred business partner
for German corporates in Poland
Mobile payment with Apple Pay and
Google Pay as well as Garmin Pay
and Fitbit Pay
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Shareholder structure
as of June 2020
Facts and Figures: Selected Group Financial Figures
Commerzbank AG | Group Communications | Frankfurt, 5 August 2020 5
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Figures
Operating result
(in €m)
Consolidated profit
(in €m)1)
Total revenues
(in €m)
CET 1 ratio (%)3)
Op. RoTE (%)
Cost income ratio
op. business (%)2)
2,129 8,639 2,273
309 1,253 205
279 681 220
77.1 78.3 70.4
12.9 13.4 13.4
4.7 4.7 2.9
Q2 2019 FY 2019 Q2 2020
Employees
1) Attributable to Commerzbank shareholders and investors in additional equity components. 2) Includes compulsory contributions. 3) Includes net results reduced by dividend accrual where applicable and
potential (fully discretionary) AT 1 coupons.
30 Jun 2019
48,644
30 Jun 2020
48,512
31 Dec 2019
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47,549
Institutional Investors Private Investors Federal Republic of Germany Cerberus Capital Group Blackrock Norges Bank
< 5% > 3% > 3%
> 5%
> 15%
~ 20%
~ 51%
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Board of Managing Directors
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Group Management
Private and
Small-Business
Customers
Segment
Corporate
Clients
Segment
Group
Services
Martin
Zielke
Chairman
Dr. Marcus
Chromik
Chief
Risk
Officer
Dr. Bettina
Orlopp
Chief
Financial
Officer
Sabine
Schmittroth
Human
Resources
Customer
Process & Data
Management
Compliance
Michael
Mandel
Roland
Boekhout
Jörg
Hessenmüller
Chief
Operating
Officer
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Strategic Positioning: “Commerzbank 5.0”
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Banking: digital, personal,
responsible
Private and Small-
Business Customers
1
With “Commerzbank 5.0”, we are putting our business
on a sustainable footing in order to actively take
chances in the market. We are further developing our
business model in a very focussed way, are forcing
digitalisation, and are increasing our efficiency.
Until 2023, the Bank will be investing an additional
€750 million in digitalisation, IT infrastructure, and
growth
“Mobile first” strategy
and present all over
Germany
Corporate Clients
Long-term business
partner in Germany and
abroad with an intelli-
gent mix of credit and
capital market pro-
ducts
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Segments of Commerzbank: Private and Small-Business Customers
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With approximately 11.5 million customers: one of the
leading banks for private and small-business customers in
Germany
One sole IT platform workable for all channels and clients
Distinct “Mobile first” strategy
Approximately 800 branches going forward: one of the
densest branch networks in Germany
Strong focus on wealth management and small-business
customers
Pooling of digital competences through planned integration
of Comdirect
Until end of 2023: goal of more than 1 million net new
customers
Revenues
Op. result
€m Q2 2019
1,222
248
FY 2019 Q2 2020
4,909 1,194
841 112
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Segments of Commerzbank: Corporate Clients
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No. 1 in financing SMEs in Germany
More than 100 locations in Germany, almost 50 hubs
worldwide
Strong linkage of our expertise in corporate banking
and capital markets
Approximately 30% market share: Commerzbank is the
leading bank in processing German foreign trade
Leading provider of risk hedging solutions for corpo-
rate clients
Top rankings in the European bond market and a top 10
position in EMEA1) for syndicated loans
Revenues
Op. result
€m Q2 2019
776
21
FY 2019 Q2 2020
3,241 791
326 –89
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The Commerzbank Brand
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Fair, competent,creating, discovering
– these are the attributes of the Commerzbank brand
Our brand promise:
The bank at your side
Commerzbank is
partner of the German
Football Association
(Deutscher Fußball-
Bund, DFB)
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Sustainability
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1) Environmental, Social, Governance. 2) In comparison to 2007.
Selected ratings and indices:
CDP: B
ISS Oekom: Prime (C)
MSCI ESG: A
Sustainalytics: Top 15% (Banks)
23.4/100 points (medium risk)
Listed in Corporate Knights’ “Global
100 Most Sustainable Corporations
in the World Index” since 2019
Environment
and society
› Climate strategy:
–70% CO2 goal
achieved by end
of 20182)
› Support for popular sports
Markets
and clients
› Bank for energy
transition
› Sustainability to
be enhanced in
loan portfolio
Targets: Enhance sustainability in the core business
Sharpen the profile as active part of society
Sustainable corpo-
rate governance
› Enhanced culture
of integrity
› Review of
transactions
on ESG1) risks
Responsible partner for a sustainable economic and social development
9
Negligible Low High Severe
0–10
Medium
40+ 30–40 20–30 10–20
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Digitalisation
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Digital strategy
and cluster delivery
organisation:
comprehensive
objectives
› Develop and implement
new functionalities
› Modernise IT architec-
ture
› Professionalise technol-
ogy foundations
› Expand skills and capac-
ities
› Ensure operational
stability
Selection of already introduced digital offers for
Private Customers, Small-Business Customers, and Corporate Clients
Private Customers Small-Business Customers Corporate Clients
Banking App
› Financials under control
– anytime, anywhere
› All important banking
activities on the move
Digital Consumer Loan
› From the loan request to
the contract in less than
10 minutes
Apple Pay/Google Pay
› No need to search for
credit cards oder cash
any more
› Payments made easy
via Apple Pay and
Google Pay
Partner Platform
› Exclusive offers for entre-
preneurs: solutions of-
fered by strong partners
Digital Leasing
› When making operational
purchases: go easy on
equity capital
Succession Portal
› Securing a life’s work:
Who is best suited as
successor?
API Banking
› Standardised interfaces
between platforms and
applications (Application
Programming Interface)
Pay-per-Use Loan
› Data-based loan with flex-
ible repayment rates in
order to adjust rates in
relation to capacity of fi-
nanced investment goods
FX-Live Trader
› Allows for quick and cost-
effective trading on real-
time trading
platforms
Commerzbank AG | Group Communications | Frankfurt, 5 August 2020
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Diversity & Inclusion: Living Diversity and Shaping Fair Cooperation
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We take on social responsibility – which our employees, clients, and
business partners benefit from
We are committed beyond
Commerzbank:
Signee and member of the Diversity
Charta
Co-founder and council of the foun-
dation Prout@Work
Signee of the United Nations’
Women’s Empowerment Principles
Member of “Unternehmensforum
e. V.” for the inclusion of individuals
with disabilities
Identifying and
fostering potential
› 32.5% women in man-
agement positions
› Employees from
119 nations
› 5.7% employees with
severe disability
Facilitating work-life
balance
› Child care offers
› Flexible working time
models
› Mobile working
Supporting commit-
ment
› Support for employ-
ees providing care
for relatives
› 1,500 employees in
7 networks
Our corporate culture includes everyone – irrespective of
age, gender, provenance, disabilities, religion, or sexual
orientation
Commerzbank AG | Group Communications | Frankfurt, 5 August 2020
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History: International Bank with 150 Years of Tradition
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2020 150 years of Commerzbank
50 years of Commerzbank Foundation
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 Commerz-
bank’s direct banking business
1940 New name: Commerzbank
1870 Foundation of Commerz- und Disconto-Bank in
Hamburg, Germany
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Disclaimer
Commerzbank AG | Group Communications | Frankfurt, 5 August 2020 15
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.