Six-year overview of comdirect group

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   2014Change
in %
2013 Change
in %
2012 Change
in %
2011 Change
in %
2010 Change
in %
2009 Change
in %
Customers, assets under custody and key products                        
comdirect group*  31.12.  31.12.   31.12.   31.12.   31.12.   31.12.
Customers number2,892,0032.4 2,825,067 2.5 2,755,257 4.7 2,630,525 14.6 2,296,075 6.8 2,150,563 3.4
Custody accounts number1,717,0881.2 1,697,006 – 0.3 1,702,021 1.1 1,683,301 13.6 1,482,023 4.4 1,419,037 – 0.6
Total assets under custody in € million58,9367.1 55,046 12.7 48,854 17.5 41,587 – 2.2 42,535 19.6 35,572 15.0
– of which: portfolio volume in € million44,5007.0 41,579 12.0 37,134 20.2 30,882 – 4.1 32,197 21.7 26,463 29.4
– of which: deposit volume in € million14,4357.2 13,467 14.9 11,720 9.5 10,705 3.6 10,338 13.5 9,110 – 13.1
business-to-customer (B2C) business line  
Customers number1,909,1054.7 1,823,579 6.2 1,716,783 5.2 1,632,467 4.7 1,559,021 7.5 1,450,720 7.5
Custody accounts number879,4924.7 839,949 4.2 806,417 2.9 783,616 4.7 748,151 4.0 719,194 3.1
Current accounts number1,158,61711.1 1,043,192 15.7 901,419 16.4 774,518 19.7 647,048 21.2 533,928 25.6
Tagesgeld PLUS (“daily money plus”) accounts number1,553,3096.3 1,461,471 8.7 1,344,940 8.8 1,235,770 9.3 1,130,998 17.7 960,935 18.0
Total assets under custody in € million34,7509.0 31,891 14.3 27,909 12.1 24,896 – 5.4 26,319 18.3 22,241 9.3
– of which: portfolio volume in € million20,48310.3 18,564 14.0 16,286 13.7 14,324 – 11.1 16,113 22.5 13,158 33.2
– of which: deposit volume in € million14,2677.1 13,327 14.7 11,623 10.0 10,571 3.6 10,207 12.4 9,083 – 13.2
Credit volume in € million18717.6 159 – 8.1 173 – 8.5 189 – 4.5 198 12.4 176 – 11.3
business-to-business (B2B) business line  
Customers number982,898– 1.9 1,001,488 – 3.6 1,038,474 4.0 998,058 35.4 737,054 5.3 699,843 – 4.1
Custody accounts number837,596– 2.3 857,061 – 4.3 895,604 – 0.5 899,685 22.6 733,872 4.9 699,843 – 4.1
Total assets under custody in € million24,1864.4 23,156 10.6 20,945 25.5 16,692 2.9 16,216 21.6 13,331 25.9
– of which: portfolio volume in € million24,0174.4 23,015 10.4 20,848 25.9 16,558 2.9 16,084 20.9 13,305
– of which: deposit volume in € million16920.7 140 44.3 97 – 27.6 134 2.3 131 > 100 26
   
Orders and order volume  2014 2013 2012 2011 2010 2009
Executed orders number20,341,3766.0 19,189,622 6.7 17,988,010 – 3.7 18,677,910 22.0 15,305,203 4.4 14,661,234 – 17.1
– of which: B2C number11,099,42111.1 9,989,086 17.9 8,472,017 – 7.4 9,151,389 17.0 7,824,053 6.9 7,319,045 – 20.7
– of which: B2B number9,241,9550.5 9,200,536 – 3.3 9,515,993 – 0.1 9,526,521 27.3 7,481,150 1.9 7,342,189 – 13.1
Average order activity per custody account (B2C) number12.96.6 12.1 13.1 10.7 – 10.1 11.9 11.2 10.7 3.9 10.3 – 25.0
Order volume per executed order (B2C)1) in €5,377– 6.6 5,759 21.0 4,759 – 10.3 5,308 3.9 5,110 13.3 4,512 4.8
   
Earnings ratios  2014 2013 2012 2011 2010 2009
Net commission income in € thousand193,1502.6 188,330 12.3 167,699 – 8.2 182,585 5.7 172,772 16.1 148,757 – 16.0
Net interest income before provisions for possible loan losses in € thousand145,8035.2 138,641 – 8.2 150,983 0.1 150,847 47.8 102,074 – 6.1 108,693 – 33.5
Administrative expenses in € thousand270,8524.2 259,866 10.2 235,911 1.7 232,074 10.5 210,028 5.6 198,918 – 18.1
Pre-tax profit in € thousand82,6213.2 80,032 – 14.4 93,542 – 13.5 108,076 33.6 80,874 6.4 75,993 – 8.2
Net profit in € thousand66,2909.5 60,534 – 18.5 74,280 – 33.5 111,763 87.4 59,634 5.3 56,624 – 6.9
Earnings per share in €0.479.3 0.43 – 18.9 0.53 – 32.9 0.79 88.1 0.42 5.3 0.40 – 6.8
Return on equity before tax2) in %15.5 15.1 17.5 21.2 16.8 17.6
Cost/income ratio in %76.6 76.1 70.7 68.0 72.1 70.4
Dividend per share in €0.403)11.1 0.36 0.44 – 21.4 0.56 33.3 0.42 2.4 0.41 0.0
   
Balance sheet key figures  31.12. 31.12. 31.12. 31.12. 31.12. 31.12.
Balance sheet total in € million15,1707.1 14,163 13.7 12,451 9.4 11,378 3.1 11,040 12.8 9,785 – 12.3
Equity in € million5927.2 552 – 5.8 586 7.1 547 6.4 514 – 3.6 533 12.2
Equity ratio4) in %3.6 3.7 4.3 4.7 4.4 4.9
 
Employees’ figures  31.12. 31.12. 31.12. 31.12. 31.12. 31.12.
Employees number1,2874.4 1,233 4.8 1,176 2.4 1,148 2.5 1,120 – 3.0 1,155 – 0.7
Employees full-time basis number1,153.34.8 1,100.6 4.8 1,050.2 2.5 1,024.8 2.2 1,002.9 – 2.6 1,029.2 – 0.4
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   2014Change
in %
2013 Change
in %
2012 Change
in %
2011 Change
in %
2010 Change
in %
2009 Change
in %
Customers, assets under custody and key products                        
comdirect group*  31.12.  31.12.   31.12.   31.12.   31.12.   31.12.
Customers number2,892,0032.4 2,825,067 2.5 2,755,257 4.7 2,630,525 14.6 2,296,075 6.8 2,150,563 3.4
Custody accounts number1,717,0881.2 1,697,006 – 0.3 1,702,021 1.1 1,683,301 13.6 1,482,023 4.4 1,419,037 – 0.6
Total assets under custody in € million58,9367.1 55,046 12.7 48,854 17.5 41,587 – 2.2 42,535 19.6 35,572 15.0
– of which: portfolio volume in € million44,5007.0 41,579 12.0 37,134 20.2 30,882 – 4.1 32,197 21.7 26,463 29.4
– of which: deposit volume in € million14,4357.2 13,467 14.9 11,720 9.5 10,705 3.6 10,338 13.5 9,110 – 13.1
business-to-customer (B2C) business line  
Customers number1,909,1054.7 1,823,579 6.2 1,716,783 5.2 1,632,467 4.7 1,559,021 7.5 1,450,720 7.5
Custody accounts number879,4924.7 839,949 4.2 806,417 2.9 783,616 4.7 748,151 4.0 719,194 3.1
Current accounts number1,158,61711.1 1,043,192 15.7 901,419 16.4 774,518 19.7 647,048 21.2 533,928 25.6
Tagesgeld PLUS (“daily money plus”) accounts number1,553,3096.3 1,461,471 8.7 1,344,940 8.8 1,235,770 9.3 1,130,998 17.7 960,935 18.0
Total assets under custody in € million34,7509.0 31,891 14.3 27,909 12.1 24,896 – 5.4 26,319 18.3 22,241 9.3
– of which: portfolio volume in € million20,48310.3 18,564 14.0 16,286 13.7 14,324 – 11.1 16,113 22.5 13,158 33.2
– of which: deposit volume in € million14,2677.1 13,327 14.7 11,623 10.0 10,571 3.6 10,207 12.4 9,083 – 13.2
Credit volume in € million18717.6 159 – 8.1 173 – 8.5 189 – 4.5 198 12.4 176 – 11.3
business-to-business (B2B) business line  
Customers number982,898– 1.9 1,001,488 – 3.6 1,038,474 4.0 998,058 35.4 737,054 5.3 699,843 – 4.1
Custody accounts number837,596– 2.3 857,061 – 4.3 895,604 – 0.5 899,685 22.6 733,872 4.9 699,843 – 4.1
Total assets under custody in € million24,1864.4 23,156 10.6 20,945 25.5 16,692 2.9 16,216 21.6 13,331 25.9
– of which: portfolio volume in € million24,0174.4 23,015 10.4 20,848 25.9 16,558 2.9 16,084 20.9 13,305
– of which: deposit volume in € million16920.7 140 44.3 97 – 27.6 134 2.3 131 > 100 26
   
Orders and order volume  2014 2013 2012 2011 2010 2009
Executed orders number20,341,3766.0 19,189,622 6.7 17,988,010 – 3.7 18,677,910 22.0 15,305,203 4.4 14,661,234 – 17.1
– of which: B2C number11,099,42111.1 9,989,086 17.9 8,472,017 – 7.4 9,151,389 17.0 7,824,053 6.9 7,319,045 – 20.7
– of which: B2B number9,241,9550.5 9,200,536 – 3.3 9,515,993 – 0.1 9,526,521 27.3 7,481,150 1.9 7,342,189 – 13.1
Average order activity per custody account (B2C) number12.96.6 12.1 13.1 10.7 – 10.1 11.9 11.2 10.7 3.9 10.3 – 25.0
Order volume per executed order (B2C)1) in €5,377– 6.6 5,759 21.0 4,759 – 10.3 5,308 3.9 5,110 13.3 4,512 4.8
   
Earnings ratios  2014 2013 2012 2011 2010 2009
Net commission income in € thousand193,1502.6 188,330 12.3 167,699 – 8.2 182,585 5.7 172,772 16.1 148,757 – 16.0
Net interest income before provisions for possible loan losses in € thousand145,8035.2 138,641 – 8.2 150,983 0.1 150,847 47.8 102,074 – 6.1 108,693 – 33.5
Administrative expenses in € thousand270,8524.2 259,866 10.2 235,911 1.7 232,074 10.5 210,028 5.6 198,918 – 18.1
Pre-tax profit in € thousand82,6213.2 80,032 – 14.4 93,542 – 13.5 108,076 33.6 80,874 6.4 75,993 – 8.2
Net profit in € thousand66,2909.5 60,534 – 18.5 74,280 – 33.5 111,763 87.4 59,634 5.3 56,624 – 6.9
Earnings per share in €0.479.3 0.43 – 18.9 0.53 – 32.9 0.79 88.1 0.42 5.3 0.40 – 6.8
Return on equity before tax2) in %15.5 15.1 17.5 21.2 16.8 17.6
Cost/income ratio in %76.6 76.1 70.7 68.0 72.1 70.4
Dividend per share in €0.403)11.1 0.36 0.44 – 21.4 0.56 33.3 0.42 2.4 0.41 0.0
   
Balance sheet key figures  31.12. 31.12. 31.12. 31.12. 31.12. 31.12.
Balance sheet total in € million15,1707.1 14,163 13.7 12,451 9.4 11,378 3.1 11,040 12.8 9,785 – 12.3
Equity in € million5927.2 552 – 5.8 586 7.1 547 6.4 514 – 3.6 533 12.2
Equity ratio4) in %3.6 3.7 4.3 4.7 4.4 4.9
 
Employees’ figures  31.12. 31.12. 31.12. 31.12. 31.12. 31.12.
Employees number1,2874.4 1,233 4.8 1,176 2.4 1,148 2.5 1,120 – 3.0 1,155 – 0.7
Employees full-time basis number1,153.34.8 1,100.6 4.8 1,050.2 2.5 1,024.8 2.2 1,002.9 – 2.6 1,029.2 – 0.4