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