- Page 1 and 2: annual report 2002
- Page 3 and 4: annual report 2002 commerzbank grou
- Page 5: contents Management report Survey o
- Page 8: Association of German Banks have he
- Page 11 and 12: Encouraging growth of savings depos
- Page 13 and 14: The balance of other operating inco
- Page 15 and 16: Corporate governance On February 26
- Page 17 and 18: Quarterly results 2001 financial ye
- Page 19 and 20: Commerzbank - partner of Germany’
- Page 21 and 22: Teachers’ information club As par
- Page 23 and 24: Product design Taking account of en
- Page 25: structure of commerzbank group Grou
- Page 29 and 30: Lower costs through streamlining an
- Page 31 and 32: Bancassurance activities expanded f
- Page 33 and 34: In the ever more important area of
- Page 35 and 36: Group companies and equity particip
- Page 37 and 38: Especially in Germany, the role of
- Page 39 and 40: specific recommendations are made a
- Page 41 and 42: The situation was different at most
- Page 43 and 44: Group Treasury Our Group Treasury w
- Page 45 and 46: Group companies and equity particip
- Page 48 and 49: Josefs-Gesellschaft e.V. Cologne Jo
- Page 50 and 51: Data on Commerzbank’s personnel*
- Page 52 and 53: From equality of opportunity to div
- Page 54 and 55: Christliches Jugenddorfwerk Deutsch
- Page 56 and 57: Performance of the Commerzbank shar
- Page 58 and 59: Commerzbank’s 2003/2004 financial
- Page 60 and 61: Deutsche Akademie der Naturforscher
- Page 62 and 63: Risk strategy Commerzbank’s risk
- Page 64 and 65: Risk-control organization Risk cont
- Page 66 and 67: The chart on the right shows the pe
- Page 68 and 69: Commerzbank. In the year under revi
- Page 70 and 71: parameters for calculating risk are
- Page 72 and 73: management. By means of a graduated
- Page 74 and 75: Credit derivatives Commerzbank succ
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Historical simulation for general m
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Interest-rate risk The Commerzbank
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Monitoring and controlling of liqui
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Operational risk methods In additio
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Summary and outlook For the risk ma
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Martin Stadtfeld (21) plays Bach. I
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Notes OVERVIEW 85 Notes to the (29)
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income statement 1.1.-31.12.2002 1.
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alance sheet Assets 31.12.2002 31.1
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Changes in minority interests STATE
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The cash flow statement shows the s
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occurred in the method of measureme
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(4) Consolidated companies The cons
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economic lives over a period of 15
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Derivative financial instruments us
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Listed instruments are measured at
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All provisions for pensions are cal
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The so-called C shares or Growth Sh
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Major differences in accounting, me
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Notes to the income statement (29)
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(34) Net result on investments and
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(36) Other operating result Apart f
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(40) Basic earnings per share NOTES
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Our segment reporting breaks down i
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Breakdown, by business line NOTES 1
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NOTES 123 2 nd quarter 2002 Retail
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NOTES 125 4 th quarter 2002 Retail
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Notes to the balance sheet (43) Cas
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(47) Total lending NOTES 129 31.12.
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Data on provision for credit risk:
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NOTES 133 Investments in large inco
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(54) Tax assets NOTES 135 31.12.200
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(58) Securitized liabilities NOTES
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The pension commitments are worked
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(63) Subordinated capital Subordina
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(65) Equity structure NOTES 143 31.
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(66) Conditional capital NOTES 145
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(68) The Bank’s foreign-currency
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31.12.2002 Nominal amount Fair valu
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Breakdown of derivatives business,
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(72) Concentration of credit risk C
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(74) Maturities, by remaining lifet
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Other notes (76) Subordinated asset
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(79) Genuine repurchase agreements
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NOTES 161 as of 31.12.2002 Capital
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(84) Securitization of credits The
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connection, individual beneficiarie
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Name Seat Commerzbank U.S. Finance,
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Boards of Commerzbank Aktiengesells
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Affiliated companies included in th
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Associated companies included in th
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Auditors' certificate We have audit
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“Then…the valley opens up on th
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Monitoring and consulting In a diff
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The Supervisory Board compared the
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supervisory board Dr. Walter Seipp
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central advisory board Dr.-Ing. Bur
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188 regional board members Corporat
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190 managers of domestic main branc
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192 managers of domestic group comp
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194 regional advisory committees Ba
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196 REGIONAL ADVISORY COMMITTEES Dr
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198 REGIONAL ADVISORY COMMITTEES St
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200 REGIONAL ADVISORY COMMITTEES Dr
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202 REGIONAL ADVISORY COMMITTEES Dr
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204 REGIONAL ADVISORY COMMITTEES Dr
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206 REGIONAL ADVISORY COMMITTEES Th
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208 SEATS ON OTHER BOARDS b) within
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210 SEATS ON OTHER BOARDS Prof. Dr.
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212 glossary Asset-backed securitie
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214 GLOSSARY International Accounti
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216 GLOSSARY Subsidiary Company con
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218 business progress 1968-2002* Bu