on the way to commerzbank 4adjusted revenues by division (€m) revenues and operating result (€m)...

On the way to Commerzbank 4.0 Annual Press Conference 2018

Review 2017 – positive net result despite current transformation

Adjusted revenues

(€m)

Operating result

(€m)

Net result

(€m)

8,568

2016 2017

8,607

156

2016 2017

279 1,303 1,399

2017 2016

831

568

557

746

Exceptional

Revenue

Items

Digitalisation is progressing well

Digitalisation ratio

(%) Innovation

2017 2016 2018 2020

48 30

65

80

Big Data & Advanced

Analytics

We harness technologies of the future

Blockchain Main Incubator

New customers

Private and Small Business Customers: our growth strategy is working

Assets under Control Branches

+500,000 +€38bn ~ 1,000

Corporate Clients: simplified business model established

Growth

4,100 new clients

Partner of Mittelstand

30% German foreign trade

Relationship management

model

1,500

sales staff 100

branches

Our goals for growth in the operating segments

New Customers Germany

(net, m)

New Customers

(net, k)

Private and Small Business

Customers Corporate Clients

Assets under Control Germany

(€bn)

Private and Small Business

Customers

2018 2017 2020

4.1

7.0

2018 2017 2020

2.0

0.5

2018 2017 2020

376

> 385

> 400

1.0

10.0

Adjusted revenues above previous year and costs stable

Group Revenues

(€bn)

Group Expenses

(€m)

7,079

2016 2017

7,100 9.2 9.4

2017 2016

Exceptional

Revenue items

0.83 0.56

8.57 8.61

1.3

2016 2017

1.6

Healthy risk profile

Group Loan Loss Provisions

(€m)

900

2016 2017

781

Group NPL ratio

(%)

Adjusted revenues by division

(€m)

Revenues and Operating result

(€m)

Private and Small Business Customers: stable development of revenues

2017

791 Small Business Customers

2,235 Private

Customers

378 Comdirect

219 Commerz Real 2016 2017

998 mBank

Exceptional

Revenue Items

Revenues

Operating

result

4,818 4,832

4,628 4,622

210 190

1,078 867

Adjusted Revenues by division

(€m)

Revenues and Operating result

(€m)

Corporate Clients: strategic realignment is progressing well

2017

929 International

Corporates

1,817 Mittelstand

381 EMC

446 Financial

Institutions

2016 2017

Exceptional

Revenue Items

Revenues

Operating

result

4,447 3,989

4,232 3,959

29

215

1,289 809

ACR shipping portfolio significantly reduced

ACR shipping portfolio

(€bn)

-46%

4.8

2016 2017

2.6

RWA development

(€bn)

RWA decreased – CET 1 ratio increased to 14.1%

190 171

Regulatory capital ratio

(%)

12.3

14.1

2016 2017 2016 2017

Transition CET 1 ratio

(%, rounded)

Capital ratio after introduction of IFRS 9 pro forma at ~ 13.3 %

14.1 13.5

12.3 1.2

0.5 ~ -0.75 ~ 13.3

YE 2017 Q3 2017 YE 2016 1.1.2018

IFRS9 pro forma

Execute strategy

Increase revenues

Risk Result under IFRS 9 regime of less than €600m

Manage cost base at ~ €7.0bn

Goals 2018

Aim to resume dividend payments for financial year 2018

On the way to Commerzbank 4.0 Annual Press Conference 2018