Commerzbank Aktiengesellschaft - CMVM

Notes to the balance sheet
(44) Cash reserve
We include the following items in the cash reserve:
NOTES 123
31.12.2003 31.12.2002 Change
7 m 7 m in %
Cash on hand 917 898 2.1
Balances with central banks
Debt issued by public-sector borrowers, and
4,794 5,714 –16.1
bills of exchange rediscountable at central banks
Treasury bills and discountable treasury notes,
1,718 1,854 –7.3
as well as similar debt issues by public-sector borrowers 1,383 1,511 –8.5
Bills of exchange 335 343 –2.3
Total 7,429 8,466 –12.2
The balances with central banks include claims on the Bundesbank totalling 73,744m (previous year: 74,371m). The
minimum reserve requirement to be met at end-December 2003 amounted to 71,964m (previous year: 72,166m).
(45) Claims on banks
total due on demand other claims
31.12.2003 31.12.2002 Change 31.12.2003 31.12.2002 31.12.2003 31.12.2002
7 m 7 m in % 7 m 7 m 7 m 7 m
German banks 18,868 22,226 –15.1 5,437 3,111 13,431 19,115
Foreign banks 32,789 32,117 2.1 11,536 10,685 21,253 21,432
Total 51,657 54,343 –4.9 16,973 13,796 34,684 40,547
The claims on banks include 75,342m of public-sector loans (previous year: 76,560m) extended by the mortgage banks.
(46) Claims on customers
The claims on customers break down as follows:
31.12.2003 31.12.2002 Change
7 m 7 m in %
Claims on domestic customers 96,364 95,843 0.5
Claims on foreign customers 42,074 52,671 –20.1
Total 138,438 148,514 –6.8
The claims on customers include 726,855m (previous year: 725,718) of loans secured by mortgages or other security
interests in real property as well as 719,597m (previous year: 719,174m) of public-sector credits.