COMMERZBANK AKTIENGESELLSCHAFT

Group Management Report
168
112 Commerzbank Annual Report 2011
Further progress was also made in cross-border business in 2011. A custom-fit range of
products and services for international customers was set up as part of the close cooperation
between Commerzbank and BRE Bank. In addition, a new customer management system
was implemented, the cooperation in cross-border sales teams was expanded and crossborder
credit processes were tightened further. In the current year, BRE Bank has attracted
many German-speaking customers working in Poland with its cross-border offering. The
number of cross-border customers rose by 435 to 2,733 in total.
Growth recognised with many accolades
BRE Bank and its subsidiaries won many accolades in 2011. This included BRE Bank being
ranked Poland’s best bank by the magazine “Euromoney” in its “Euromoney Awards for Excellence”.
The jury rated its above-average rapid growth compared to its competitors as outstanding.
At the same time, the “Global Finance” magazine nominated BRE Bank as Poland’s
best bank in the “Best Emerging Market Bank in CEE” category. BRE Bank was also recognised
as the best Internet bank in the Central and Eastern Europe region.
Outlook
We can expect the impact of the European sovereign debt crisis to weaken economic growth
in Poland in 2012, but we anticipate another rapid rise in growth rates for subsequent years.
BRE Bank’s business operations will continue to be geared dynamically towards current and
future customer needs, with the focus being placed on increasing income potential and profitability.
These goals should be achieved through focused growth with adequate risk distribution,
an efficient use of equity and a balanced liquidity structure.
Private customer business will be aimed at serving wealthy and young customers who are
looking to achieve above-average income. Furthermore, BRE Bank will focus more on the
individual needs of business founders and small companies. It also hopes to strengthen its
public perception as a market-leading provider of technological innovations and modern
banking services.
In corporate customer business, BRE Bank is positioned as the top provider for mid-sized
and large companies. Its presence will be gradually increased in business with SMEs and
further consolidated among large customers through more cross-selling in transaction business.
BRE is looking to expand its position as the preferred bank for cross-border business.
The focus here will be in particular on companies from German-speaking countries that are
also major trading partners with Poland.