Contents Figures and trends. BtoC and BtoB customer segments. Innovative Asset Gathering. InvestorWorld. Growth Perspectives
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1 The Efficient Way to Manage Your Assets
2 The efficient way to manage your assets Contents Figures and trends BtoC and BtoB customer segments Innovative Asset Gathering InvestorWorld Growth Perspectives 2
3 The efficient way to manage your assets Contents Figures and trends BtoC and BtoB customer segments Innovative Asset Gathering InvestorWorld Growth Perspectives 3
4 Leadership in full service discount brokerage, focused on asset gathering Securities 3 Warrants 1/2 Options / Futures Mutual Funds 1 Saving Plans 1 Unit-linked life insurance 1 Deposits Margin Loans DAB s online & telephone brokerage platform Retail Investors 1 by volume 3 by transactions and accounts Financial Intermediaries (FIs) 1 by volume and accounts Note: Product rankings by transactions; company estimates 4
5 New customer acquisitions continue at a high rate Number of customers at end of period 130, % p.a. 78,500 49,500 17,600 26,
6 A balanced portfolio of volume and transaction business Customer assets in Euro bn % p.a Other Mutual Funds Securities/ Warrants
7 Transactions have grown by 92% p.a. from 1995 until 1999 Total executed transactions at year-end ( 000) 2, % p.a ,387 8/99 1, Note: Transactions in 1995 and 1996 include outsourcing
8 Accelerated growth in Q (E) 4.Quarter 1999 New accounts 29,000 Executed transactions 840,000 Average transaction/account account 29 4.Quarter 1999 Accounts Customer assets in Euro bn 8.4 DAB community members 81,000 1.Quarter 2000 (F) 90,000 1,400, Quarter , ,000 Change 210% 67% 10% Change 69% 31% 110% 8
9 Key revenue and cost trends improve as DAB is growing Revenues Costs Transactions/ Account Commission Income/ Transaction Net interest/ Account Marketing/ Account Commission and Processing exp./ Transaction Personnel/ Transaction IT and Communication/ Transaction 9
10 The efficient way to manage your assets Contents Figures and trends BtoC and BtoB customer segments Innovative Asset Gathering InvestorWorld Growth Perspectives 10
11 FI accounts make up 37% of all customer funds Customer funds in Euro bn Retail Investors FI Accounts Note: Statistics exclude loans
12 ... and 12% of all accounts Total number of accounts ( 000) Retail Investors FI Accounts
13 Breakdown of transactions by customer segments Total number of transactions by customer segments ( 000) 2,225 1,387 Retail Investors FI Accounts ,190 1,
14 FIs provide a good diversification of DAB s income streams Revenues by customer segments FIs 10% 14% 15% 19% Retail Investors 90% 86% 85% 81%
15 Average account size by customer segment Average account size by customer segment in Euro ( 000) 47 Retail Investors FI Accounts
16 Assets in mutual funds by customer segments Volume of mutual funds by customer segments in bn Euro 2, ,2 Retail Investors FI Accounts 0,9 0,4 0,5 0,5 1,2 1,
17 The efficient way to manage your assets Contents Figures and trends BtoC and BtoB customer segments Innovative Asset Gathering InvestorWorld Growth Perspectives 17
18 Leadership in asset gathering through constant innovation Information Real-time quotes s & news Charts Communities Decision Support Mutual FundsInvestor nvestor Optionsschein-I schein-investornvestor Investment Ratgeber Zukunfts-Planer Investments Mutual Funds Fund-of of-funds New issues Warrants Facilitate Transactions Online & Phone Sekundenhandel Saving Plans Power-Trader FREE FREE DISCOUNT DISCOUNT Low cost delivery Individual Investors Financial Intermediaries 18
19 DAB is the dominant discount broker in mutual fund distribution Dominance: Agreements with around 120 mutual fund providers covering approximately 3,500 mutual funds Price: Almost 50% of funds offered have load discounts, around 10% offer 100% discount Distribution: Largest non-proprietary distributor of DWS, J. Bär,, Bankers Trust, Gartmore and others Technology: Superior processing capabilities in mutual fund transactions Gross mutual fund inflows in Euro mn Retail Investors FIs Q3 Q4 Q3 Q
20 30% of all transactions are completed via Sekundenhandel Number of DAB Sekundenhandel transactions ( 000)( In % of all Transactions % 14% 14% 15% 14% 20% 23% 23% 24% 30%
21 DAB is consistently winning awards Best Perfomance for DAB Happy-Age in comparision to 21 other unit-linked life insurances by Das Wertpapier a German investment journal (20/99) DAB Happy-Age Number one by Best Value unit-linked life insurances rating by Institut für Finanz- und Aktuarwissenschaften (Um10/99) and Performance a German investment journal (11/99) DAB Happy-Age winner of the Best Value unit-linked life insurance study conducted by Finanzen a German investment journal (01/00) Awarded Best Internet Bank and number one by a wide margin in the main categories Design,Technic,Usability,Information and Value -Added-Service (International Website Ranking of more than 1000 banks from German-speaking countries), Institute for Bank Information and Bank Strategy at the University of Regensburg (12/1999) Winner for the best Internet appearance in comparision to 37 financial companies and discount brokerages rating conducted by Institut für Wirtschftsformatik University Bern (10/99) DM #Awarded Best Brokerage offer by DM a German Investment journal (02/00) 21
22 The efficient way to manage your assets Contents Figures and trends BtoC and BtoB customer segments Innovative Asset Gathering InvestorWorld Growth Perspectives 22
23 InvestorWorld: : Growth in numbers Total members IW in (`000) InvestormagazineCirculation in (`000) Dec 98 Dec 99 Mar 00 Members Investornet in (`000) Dec 98 Dec 99 Mar 00 Dec 98 Dec 99 Mar 00 Investor events Investor products ,000 Visitors in Fairs and 57 seminars ,400 Visitors in Q Fair and 9 seminars Customer assets in Turbo World Certificate on Mar 23, 2000: 7.5 Euro mn Customer assets in Fund-of-Funds on Mar : 86.9 Euro mn
24 The efficient way to manage your assets Contents Figures and trends BtoC and BtoB customer segments Innovative Asset Gathering InvestorWorld Growth Perspectives 24
25 DAB supports the shift in customer behavior Self-directed Validator Delegator Classic Direct Customer Branch Customer FI Customer Top Trader Active Trader Easy Investor Saver FIs 25
26 The discount brokerage market in Germany grows faster than expected Discount brokerage accounts/internet users in Germany in mn 21,8 27,2 Internet Users* 7, , , Discount brokerage accounts Source: *JP Morgan/*Company estimates
27 DAB is more focused on fast growing market segments Estimated number of discount brokerage customers in Germany 2002 Customer type Average number of trades per year per customer Annual transact. revenue in mn Customer priorities Majority of existing customers Top Trader Competitive pricing Speed of execution New custo- mers Active Investor 50 Easy Investor Access to real time quotes Investment information and research Search function on web site Full product range Total: : 5 Mio. Saver DAB Convenience and simplicity 27
28 DAB is the dominant discount broker for financial intermediaries FI Clients More than 25% of all registered asset managers 66% of asset managers with more than Euro 500 m AuM are clients 35 Banks and Institutions Total AuM at DAB controlled by financial intermediaries: Euro 3.1bn Special Services Customized reporting (asset manager or investor directly) Individual pricing agreement Specialized ed transaction and support team Remote online account management Collective orders Chinese walls guarantee customer protection 28
29 Main contacts at Direkt Anlage Bank Matthias Kröner (Co-CEO) Dr. Roland Folz (Co-CEO) Bernhard Lechner (Finance) Dariush Yazdani (Investor Relations) Phone.: Fax: mail: Phone.: Fax: mail: Roland. Phone.: Fax: mail: Phone.: Fax: mail: mail. diraba.de Direkt Anlage Bank Landsberger Straße 428 D München direktanlagebank.com
30 The Efficient Way to Manage Your Assets
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