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Financial key figures

    2011 2010 Change in %
Customers, assets under custody and key products 31.12. 31.12.  
comdirect group*    
*) 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 10 c 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 number 2,630,525 2,296,075 14.6
Custody accounts number 1,683,301 1,482,023 13.6
Total assets under custody in € million 41,587 42,535 - 2.2
- of which: portfolio volume in € million 30,882 32,197 - 4.1
- of which: deposit volume in € million 10,705 10,338 3.6
business-to-customer (B2C) business line    
Customers number 1,632,467 1,559,021 4.7
Custody accounts number 783,616 748,151 4.7
Current accounts number 774,518 647,048 19.7
Tagesgeld PLUS (“call money plus”) accounts number 1,235,770 1,130,998 9.3
Total assets under custody in € million 24,896 26,319 - 5.4
- of which: portfolio volume in € million 14,324 16,113 -11.1
- of which: deposit volume in € million 10,571 10,207 3.6
Credit volume in € million 189 198 - 4.5
business-to-business (B2B) business line    
Customers number 998,058 737,054 35.4
Custody accounts number 899,685 733,872 22.6
Total assets under custody in € million 16,692 16,216 2.9
- of which: portfolio volume in € million 16,558 16,084 2.9
- of which: deposit volume in € million 134 131 2.3
 
Orders and order volume 2011 2010  
Executed orders number 18,677,910 15,305,203 22.0
- of which: B2C number 9,151,389 7,824,053 17.0
- of which: B2B number 9,526,521 7,481,150 27.3
Average order activity per custody account (B2C) number 11.9 10.7 11.2
Order volume per executed order (B2C) in € 5,308 5,110 3.9
 
Earnings ratio 2011 2010  
Net commission income in € thousand 182,585 172,772 5.7
Net interest income before provisions in € thousand 150,847 102,074 47.8
Administrative expenses in € thousand 232,074 210,028 10.5
Pre-tax profit in € thousand 108,076 80,874 33.6
Net profit in € thousand 111,763 59,634 87.4
Earnings per share in € 0.79 0.42 88.1
Return on equity before tax 1) in % 21.2 16.8 -
Cost/income ratio in % 68.0 72.1 -
 
Balance sheet key figures 31.12. 31.12.  
Balance sheet total in € million 11,381 11,040 3.1
Equity in € million 547 514 6.4
Equity ratio 2) in % 4.7 4.4
 
Regulatory indicators under Basel II 3) 31.12. 31.12.  
Risk weighted assets 4) in € million 514 546 - 5.9
Eligible amount for operational risks in € million 29 22 31.8
Core capital in € million 356 356 0.0
Own funds for solvency purposes in € million 351 351 0.0
Own funds ratio 5) in % 40.1 43.0
 
Employees’ figures 31.12. 31.12.  
Employees number 1,148 1,120 2.5
Employees full-time basis number 1,024.8 1,002.9 2.2