>Business performance in the first six months of Arno Walter, CEO Holger Hohrein, CFO Frankfurt/Main, 23 July 2015

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1 >Business performance in the first six months of Arno Walter, CEO Holger Hohrein, CFO Frankfurt/Main, 23 July

2 >Strong first half of the year Strong securities business pushes up profit Pre-tax profit of 50.2m Record earnings: 190.3m Administrative expenses of 140.1m Dynamic growth in customers, accounts and assets 2.9m customers with 64.6bn in assets B2C: 47 thousand more current accounts, 30 thousand more custody accounts 2bn net fund inflows in the group Progress in strategic priorities Broad-based growth: current account with lifetime satisfaction guarantee and VideoIdent/MobileIdent Brokerage: new CFD trading portal and peer-to-peer trading tool Online asset accumulation: Bessere Geldanlage and co-initiator of the Pro Aktie campaign 2

3 Profitability Strong interim profit Record earnings Further investment in growth 3 3

4 >Profit over 50m in million, comdirect group Pre-tax profit Earnings H1/14: H2/14: H1/15: B2C Administrative expenses B2C B2C 2014 Q3 Q4 Q Q3 Q4 Q1 4

5 >7.4m trades in the first six months in million, comdirect group Earnings Net commission income H1/14: H2/14: H1/15: B2C Net interest income (after loan loss provisions) B2C Other income 2014 Orders* 2.4 B2C (m) Avg. 3M 0.30 EURIBOR (%) * Executed orders Q Q Q Q Q Q

6 > with fall in other administrative expenses in million, comdirect group Administrative expenses H1/14: H2/14: H1/15: Personnel expenses Other administrative expenses B2C Depreciation Q3 Q4 Q Q3 Q4 Q1 6

7 > profit target: over 80m in million, comdirect group Pre-tax profit profit target: > 80m H1/ Operating ROE (%) After-tax profit Earnings per share ( ) Dividend per share ( ) Dividend yield (%)* TSR (%)** Exceptional effect of tax refunds * Based on the respective closing quotation at year-end; ** Sum of the share price increase and dividend in relation to the share price as at the end of the previous year period 7

8 Growth B2C: growth in current and custody accounts Around 65bn in assets Net fund inflows of 2bn 8 8

9 > B2C: growth driven by current and custody accounts in thousands Customers Current accounts 2,631 2,755 2,825 2,892 2, ,043 1,159 1, ,038 1, Custody accounts 1,683 1,702 1,697 1,717 1,740 B2C 1,632 1,717 1,824 1,909 1, B2C H H1 9

10 >Around 65bn in assets in billion Assets under custody Portfolio volume B2C B2C H1 Deposit volume B2C DAX* 5,898 7,612 9,552 9,806 10, H1 * Index at year-end/end of quarter 10

11 > Net fund inflows remain positive Assets under custody in billion, comdirect group Net fund inflows in million, comdirect group H1/15: 2.0bn, deposit volume net portfolio volume bn Market price effects 1,7 2, Q3 Q4 Q1 H B2C 11

12 Strategy and outlook Growth strategy ongoing Further developments of strategic priorities 12 12

13 > Increase current account market share Lifetime satisfaction guarantee VideoIdent and MobileIdent Unblock your account and continue using it without any delay Nearly 50 thousand new accounts in H1/ Fully integrated into comdirect processes 13

14 > Market leader in online brokerage New CFD portal CFD share of B2C trades approx. ~ 25 % 14 Peer-to-peer trades

15 > Leading provider of online asset accumulation Bessere Geldanlage ( Better Investment ) Pro Aktie campaign State-of-the-art online tool Boosting the image of stocks and shares Over customers already 15

16 Excellent first six months > Healthy profit in the first half of the year: 50.2m > Record earnings: 190.3m > 2.9m customers with 64.6bn in assets > Progress with main strategic priorities 16

17 17 NOTES

18 > Income statement in accordance with IFRS in thousand H H1 Interest income 99,157 84,329 Interest expenses 27,906 14,942 Net interest income before provisions for possible loan losses 71,251 69,387 Provisions for possible loan losses Net interest income after provisions for possible loan losses 71,759 68,950 Commission income 164, ,129 Commission expenses 68,901 80,014 Net commission income 95, ,115 Trading result and result from hedge accounting Result from financial investments 2,671 3,735 Administrative expenses 131, ,052 - Personnel expenses 37,055 39,850 - Other administrative expenses 85,538 92,243 - Depreciation 8,943 7,959 Other operating result 5,441 1,330 Pre-tax profit 43,728 50,201 Taxes on income 11,359 13,435 Net profit 32,369 36,766 18

19 > Consolidated statement of fin. position in accord. with IFRS in million Assets Liabilities and equity Other assets Cash reserve 16, ,233 15, , , Other liabilities Financial investments 3,454 3, Provisions Claims on customers ,455 15,813 Liabilities to customers Claims on banks 11,531 11, Equity H H1 19

20 > comdirect share Shareholder structure (%) Price per share (XETRA/ ) AS OF: Free float Commerzbank Q3 Q Q1 15 ISIN: Stock exchange segment: Index: Reuters/Bloomberg abbrev.: DE Prime Standard SDAX CDBG.DE/COM GR Closing price: Market capitalisation: ,299m Outstanding shares: 141,220,815 Avg. daily turnover H1/ (units) - XETRA: - Frankfurt: 49,075 4,092 20

21 > comdirect share performance total return = 100% AS OF: comdirect Aktie Total Return Index DAXsector financial services Performance Index DAX SDAX 21

22 > Financial calendar > 27 Jan Press/analysts conference, Frankfurt/Main > 25 Mar Annual report 2014 > 28 Apr Quarterly report > 7 May Annual general meeting, Hamburg > 23 July Half-year report > 22 Oct Nine-month report 22

23 > Investor Relations For further information, please contact: Dr André Martens Tel +49 (0) 4106 / Tobias Vossberg Tel +49 (0) 4106 / Stefanie Wallis Tel +49 (0) 4106 /

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