Commerzbank Aktiengesellschaft - CMVM

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‡ What if you have more important things to do than to go to your bank? ‡ then we simply come to you ‡ you can settle a lot of things by phone or online, but not everything. We prefer to discuss with you personally what is crucial for you. anywhere you wish. ‡ ideas ahead ‡
Page 1 and 2: Commerzbank Aktiengesellschaft Head
Page 3 and 4: SECTION 1 INDEX ANNUAL REPORT......
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 51 and 52: Data on Commerzbank’s personnel*
Page 53: Training younger staff In the diffi
Page 56 and 57: 46 MANAGEMENT REPORT Data and facts
Page 58 and 59: 48 MANAGEMENT REPORT Turnover in Co
Page 61 and 62: ‡ it’s quite normal to be avail
Page 63 and 64: I. Risk-oriented overall management
Page 65 and 66: The chart below shows the percentag
Page 67 and 68: The Credit Committee - chaired by t
Page 69 and 70: 3) Risk management: operative risk-
Page 71 and 72: The core requirement of MaK as rega
Page 73 and 74: orrowers. Even today, therefore, a
Page 75 and 76: are being used in the Bank’s risk
Page 77 and 78: 1.40 1.20 1.00 0.80 0.60 0.40 0.20
Page 79 and 80: Securitization transactions Commerz
Page 81 and 82: 2) Monitoring and controlling marke
Page 83 and 84: Apart from this approach, Commerzba
Page 85 and 86: As far as new acquisitions of inter
Page 87 and 88: Operational risk methods In order t
Page 89 and 90: IV. Summary and outlook Commerzbank
Page 91 and 92: Notes OVERVIEW 81 Notes to the (29)
Page 93 and 94: income statement 1.1.-31.12.2003 1.
Page 95 and 96: alance sheet Assets 31.12.2003 31.1
Page 97 and 98: Changes in minority interests STATE
Page 99 and 100:
The cash flow statement shows the s
Page 101 and 102:
(2) Changes in the method of disclo
Page 103 and 104:
Furthermore, in the present consoli
Page 105 and 106:
which is carried and either appears
Page 107 and 108:
After deferred taxes have been take
Page 109 and 110:
(14) Assets held for dealing purpos
Page 111 and 112:
commitment must be met has moved on
Page 113 and 114:
Within the Jupiter International Gr
Page 115 and 116:
Major differences in accounting, me
Page 117 and 118:
Notes to the income statement (29)
Page 119 and 120:
(34) Net result on investments and
Page 121 and 122:
(37) Regular amortization of goodwi
Page 123 and 124:
(41) Basic earnings per share NOTES
Page 125 and 126:
Our segment reporting breaks down i
Page 127 and 128:
Breakdown, by segment NOTES 117 200
Page 129 and 130:
NOTES 119 2 nd quarter 2003 Retail
Page 131 and 132:
NOTES 121 4 th quarter 2003 Retail
Page 133 and 134:
Notes to the balance sheet (44) Cas
Page 135 and 136:
(49) Provision for possible loan lo
Page 137 and 138:
(50) Positive fair values from deri
Page 139 and 140:
NOTES 129 Investments in large inco
Page 141 and 142:
(56) Tax assets NOTES 131 31.12.200
Page 143 and 144:
Savings deposits Other liabilities
Page 145 and 146:
(62) Liabilities from dealing activ
Page 147 and 148:
(64) Tax liabilities (65) Other lia
Page 149 and 150:
Profit-sharing certificates outstan
Page 151 and 152:
) Capital reserve In the capital re
Page 153 and 154:
(70) Authorized capital NOTES 143 D
Page 155 and 156:
Notes to financial instruments (72)
Page 157 and 158:
As of December 31, 2002, the figure
Page 159 and 160:
(74) Interest-rate risk The interes
Page 161 and 162:
(76) Assets pledged as security NOT
Page 163 and 164:
(78) Fair value of financial instru
Page 165 and 166:
(81) Volume of managed funds By typ
Page 167 and 168:
(84) Trust transactions at third-pa
Page 169 and 170:
Reconciliation of reported capital
Page 171 and 172:
(88) Average number of staff employ
Page 173 and 174:
NOTES 163 On the balance-sheet date
Page 175 and 176:
Name Seat Intermarket Bank AG Vienn
Page 177 and 178:
Holdings in affiliated and other co
Page 179 and 180:
Affiliated companies included in th
Page 181 and 182:
Other major companies not included
Page 183 and 184:
Martin Kohlhaussen Report of the Su
Page 185 and 186:
the auditors. The Committee subject
Page 187 and 188:
supervisory board Dr. Walter Seipp
Page 189 and 190:
central advisory board Dr.-Ing. Bur
Page 191 and 192:
182 regional board members Corporat
Page 193 and 194:
184 managers of domestic main branc
Page 195 and 196:
186 managers of domestic group comp
Page 197 and 198:
188 regional advisory committees Ba
Page 199 and 200:
190 REGIONAL ADVISORY COMMITTEES Dr
Page 201 and 202:
192 REGIONAL ADVISORY COMMITTEES Pr
Page 203 and 204:
194 REGIONAL ADVISORY COMMITTEES In
Page 205 and 206:
196 REGIONAL ADVISORY COMMITTEES Cl
Page 207 and 208:
198 REGIONAL ADVISORY COMMITTEES We
Page 209 and 210:
200 REGIONAL ADVISORY COMMITTEES Sa
Page 211 and 212:
202 SEATS ON OTHER BOARDS b) Förde
Page 213 and 214:
204 SEATS ON OTHER BOARDS Dr. Sabin
Page 215 and 216:
206 glossary Asset-backed securitie
Page 217 and 218:
208 GLOSSARY Goodwill The differenc
Page 219 and 220:
210 GLOSSARY Stress testing Stress
Page 221 and 222:
212 commerzbank group business prog
Page 223 and 224:
Commerzbank AG Head office Investor
Page 225:
217 SECTION 4 INFORMATION ON COMPAN
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Commerzbank Aktiengesellschaft - CMVM

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