Commerzbank Aktiengesellschaft - CMVM

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AVISO A Comissão do Mercado de Valores Mobiliários, ao abrigo do disposto no n.º 3 do artigo 250º do Código dos Valores Mobiliários, dispensou a publicação das contas individuais. Os documentos de prestação de contas alvo desta dispensa encontram-se disponíveis para consulta, juntamente com os restantes, na sede do <strong>Commerzbank</strong>.
SECTION 1 INDEX ANNUAL REPORT............................................................................................................................................1 BALANCE SHEET .........................................................................................................................................85 STATEMENT CHANGES IN EQUITY ...................................................................................................................86 CHANGES IN MINORITY INTERESTS .................................................................................................................87 CASH FLOW STATEMENT..............................................................................................................................88 NOTES........................................................................................................................................................90 AUDITOR’S REPORT ...................................................................................................................................172 SUPERVISORY BOARD REPORT ...................................................................................................................173 SECTION 2 INDIVIDUAL ACCOUNTS OF COMMERZBANK AG ............................................................................................216 SECTION 3 EXTRACT FROM THE MINUTES OF COMMERZBANK GENERAL MEETING OF MARCH 31..........................................216 SECTION 4 INFORMATION ON COMPANIES WITH SHAREHOLDING INTERESTS ON THE ISSUER................................................217
Page 1: Commerzbank Aktiengesellschaft Head
Page 5 and 6: highlights of Commerzbank group Inc
Page 7 and 8: ‡ What happens if somewhere in th
Page 9: contents Management report Survey o
Page 12 and 13: We expressly support the institutio
Page 14: All the same, the management is als
Page 17 and 18: In our revaluation initiative, the
Page 19 and 20: The Net result on the investments a
Page 21 and 22: The decline in operating expenses,
Page 23 and 24: 2002 financial year SURVEY OF THE C
Page 25 and 26: Pursuant to section 4.2.2, the full
Page 27: Accounting For accounting purposes,
Page 30 and 31: 20 MANAGEMENT REPORT Retail Banking
Page 32 and 33: 22 MANAGEMENT REPORT Fresh expansio
Page 34 and 35: 24 MANAGEMENT REPORT Asset Manageme
Page 36 and 37: 26 MANAGEMENT REPORT generating a p
Page 39 and 40: ‡ With whom do german companies d
Page 41 and 42: In order to improve the financial s
Page 43 and 44: elationship manager will coordinate
Page 45 and 46: In options business as well, the ad
Page 47: CGI/HAUS-INVEST remains on successf
Page 50 and 51: 40 MANAGEMENT REPORT Staff and welf
Page 52 and 53:
42 MANAGEMENT REPORT Internal sugge
Page 55 and 56:
‡ What happens if somewhere in th
Page 57 and 58:
Change in shareholder structure Thr
Page 59:
Commerzbank’s major shareholdings
Page 62 and 63:
52 MANAGEMENT REPORT Risk report Co
Page 64 and 65:
54 MANAGEMENT REPORT Liquidity risk
Page 66 and 67:
56 MANAGEMENT REPORT II. Risk-manag
Page 68 and 69:
58 MANAGEMENT REPORT 2) Risk manage
Page 70 and 71:
60 MANAGEMENT REPORT 6) Implementat
Page 72 and 73:
62 MANAGEMENT REPORT The internal r
Page 74 and 75:
64 MANAGEMENT REPORT Expected loss
Page 76 and 77:
66 MANAGEMENT REPORT The 20 largest
Page 78 and 79:
68 MANAGEMENT REPORT Credit derivat
Page 80 and 81:
70 MANAGEMENT REPORT Borrowing, by
Page 82 and 83:
72 MANAGEMENT REPORT Value-at-risk
Page 84 and 85:
74 MANAGEMENT REPORT Procedure for
Page 86 and 87:
76 MANAGEMENT REPORT Liquidity-risk
Page 88 and 89:
78 MANAGEMENT REPORT 6) Monitoring
Page 90 and 91:
80 financial statements in accordan
Page 92 and 93:
82 OVERVIEW Notes Notes to (72) Der
Page 94 and 95:
84 INCOME STATEMENT Appropriation o
Page 96 and 97:
86 statement of changes in equity S
Page 98 and 99:
88 cash flow statement 2003 2002 7
Page 100 and 101:
90 notes Consolidated accounting pr
Page 102 and 103:
92 NOTES In addition to the standar
Page 104 and 105:
94 NOTES In addition to the 102 (95
Page 106 and 107:
96 NOTES ● Other financial liabil
Page 108 and 109:
98 NOTES (10) Claims Claims on bank
Page 110 and 111:
100 NOTES - The Group as lessor - I
Page 112 and 113:
102 NOTES (25) Subordinated capital
Page 114 and 115:
104 NOTES Expenses arising from spe
Page 116 and 117:
106 NOTES Other provisions In accor
Page 118 and 119:
108 NOTES (31) Net commission incom
Page 120 and 121:
110 NOTES Other expenses: (36) Othe
Page 122 and 123:
112 NOTES (40) Taxes on income Inco
Page 124 and 125:
114 NOTES (43) Segment reporting Th
Page 126 and 127:
116 NOTES Breakdown, by segment 200
Page 128 and 129:
118 NOTES Quarterly results, by seg
Page 130 and 131:
120 NOTES 3 rd quarter 2003 Retail
Page 132 and 133:
122 NOTES Results, by geographical
Page 134 and 135:
124 NOTES (47) Claims on and liabil
Page 136 and 137:
126 NOTES The provision for credit
Page 138 and 139:
128 NOTES (52) Investments and secu
Page 140 and 141:
130 NOTES (55) Changes in book valu
Page 142 and 143:
132 NOTES (58) Liabilities to banks
Page 144 and 145:
134 NOTES The following table prese
Page 146 and 147:
136 NOTES Changes in the assets hel
Page 148 and 149:
138 NOTES (66) Subordinated capital
Page 150 and 151:
140 NOTES (68) Equity structure 31.
Page 152 and 153:
142 NOTES (69) Conditional capital
Page 154 and 155:
144 NOTES (71) The Bank’s foreign
Page 156 and 157:
146 NOTES 31.12.2003 Nominal amount
Page 158 and 159:
148 NOTES Breakdown of derivatives
Page 160 and 161:
150 NOTES (75) Concentration of cre
Page 162 and 163:
152 NOTES (77) Maturities, by remai
Page 164 and 165:
154 NOTES Other notes (79) Subordin
Page 166 and 167:
156 NOTES (82) Genuine repurchase a
Page 168 and 169:
158 NOTES as of 31.12.2003 Capital
Page 170 and 171:
160 NOTES (87) Securitization of cr
Page 172 and 173:
162 NOTES 36,200 Commerzbank shares
Page 174 and 175:
164 NOTES (91) Letter of comfort In
Page 176 and 177:
166 NOTES Boards of Commerzbank Akt
Page 178 and 179:
168 NOTES Affiliated companies incl
Page 180 and 181:
170 NOTES Associated companies incl
Page 182 and 183:
172 Group Auditors' report We have
Page 184 and 185:
174 REPORT OF THE SUPERVISORY BOARD
Page 186 and 187:
176 REPORT OF THE SUPERVISORY BOARD
Page 188 and 189:
178 Committees of the supervisory b
Page 190 and 191:
180 board of managing directors fro
Page 192 and 193:
group managers Jochen Appell Chief
Page 194 and 195:
managers of foreign branches Antwer
Page 196 and 197:
managers of foreign group companies
Page 198 and 199:
Bavaria Dr. Wilfried Backes Member
Page 200 and 201:
Brandenburg Dipl.-Kaufmann Hubert M
Page 202 and 203:
Dipl.-Kaufmann Wolfgang Gutberlet C
Page 204 and 205:
Dipl.-Betriebswirt A. Udo Bachmann
Page 206 and 207:
Klaus J. Maack ERCO Leuchten GmbH L
Page 208 and 209:
Saarland Dipl.-Kaufmann Wendelin vo
Page 210 and 211:
seats on supervisory boards and sim
Page 212 and 213:
Members of the Supervisory Board of
Page 214 and 215:
Mark Roach a) FIDUCIA Informationsz
Page 216 and 217:
Credit-linked note (CLN) A security
Page 218 and 219:
Positive/negative fair value The po
Page 220 and 221:
index Accounting 17, 54, 62, 90f.,
Page 222 and 223:
San Francisco Los Angeles Mexico Ci
Page 224 and 225:
216 SECTION 2 INDIVIDUAL ACCOUNTS O
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