COMMERZBANK AKTIENGESELLSCHAFT

To our Shareholders Corporate Responsibility Management Report Risk Report Group Financial Statements Further Information 117 173
127 71 Business and overall conditions
135 79 Earnings performance, assets and financial position
147 91 Segment performance
109 165 Central & Eastern Europe
137 193 Our employees
143 199 Report on events after the reporting period
144 200 Outlook and opportunities report
In Poland, BRE Bank will continue to gear its business activities towards customer needs
and see dynamic growth. It will concentrate on improving income potential and profitability.
In private customer business, activities will be concentrated on wealthy and young customers
who are looking to achieve an above-average income; the focus will also be on expanding its
position as an innovation leader for modern bank offerings. In corporate customer business,
BRE Bank’s position will be further reinforced or expanded through all customer segments. A
further boost to income will come from greater cross-selling in transaction-based business.
In the Ukraine, activities will centre on expansion to become a focused universal bank,
measures to increase efficiency and the value-oriented reduction in the portfolio of nonperforming
loans. This will be accompanied by further improvement in operating profit and a
return to profitability in the medium term.
Responsibility for Commerzbank Eurasija, branches in the Czech Republic and Slovakia
and Commerzbank Zrt. was transferred to the Mittelstandsbank segment with effect from
January 1, 2012. By introducing Mittelstandsbank’s successful support model, these locations
should benefit further from the growing business potential of German companies in
cross-border business and from Mittelstandsbank’s successful business model in international
business.
Group Management Report