COMMERZBANK AKTIENGESELLSCHAFT

Credit
In the Credit division distribution and processing have been completely reorganized with the aim to
concentrate on the processing of loans and to optimize the quality of credit decisions as well as the
time it takes to reach these decisions. Another focus is on the more intensive and active portfolio
management.
Wealth Management
In this business division, customers with liquid assets of at least €500,000 or customers, for which
special solutions (for instance due to the complexity of their asset structure) are required, are served.
Support is provided in all aspects of wealth management whereas services range from individual
portfolio and securities management via financial investment and property management to the
management of foundations and legacies.
Direct Banking
This business division mainly comprises the activities of the subsidiary comdirect bank AG which
offers private customers reasonably priced services in banking and above all in securities business. Its
subsidiary comdirect private finance AG provides additional financial advisory services on more
complex topics such as provision for old age and wealth formation.
Mittelstandsbank
This segment comprises Corporate Banking, Small and Medium Enterprises Regions 1 and 2, Large
Corporates Regions 1 and 2, Corporates International and Financial Institutions. Corporate Banking
with the Center of Competence Renewable Energies focuses on small to medium-sized companies
with a turnover between €2.5 million and €250 million or €500 million subject to the capital market
affinity of the relevant companies. In the division Large Corporates the activities with large corporate
customers which are close to the capital markets are bundled. Financial Institutions is responsible for
the relationship to banks and financial institutions in Germany and abroad as well as to central banks
and sovereigns and therefore supports Corporate Banking in respect of the trading activities or
investments in the respective regions. Corporates International comprises the branches abroad in all
important financial centers in Asia and in the Western European capitals. The focus there is on
accompanying German corporate customers abroad as well as on Asian and Western European large
corporate customers having relations to the German market and to other core regions of the Bank.
Central and Eastern Europe
Since the first quarter of 2008 the operations of all subsidiaries and regional branches in Central and
Eastern Europe, previously included in the Mittelstandsbank segment, are bundled in a separate
holding.
Corporates & Markets
The Corporates & Markets segment includes the client-oriented activities as well as business relations
with multinational companies and selected major clients. It also serves London and America.
Corporates & Markets consists of the main business areas: Fixed Income Sales, Fixed Income
Trading, Corporate Finance, Equity Markets & Commodities, Client Relationship Management and
Research.
Asset Based Finance
Asset Based Finance comprises Commercial Real Estate Germany, Commercial Real Estate
International, Public Finance as well as Shipping.
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