Appendix
KPI Overview 2021 - 2025
1) YE 2021 excludes results from FY 2021; YE 2022 - YE 2025 post actual / proposed dividend 2) NIM until 2022 based on Core NII 3) Since 2024 incl. Aviation (YE 2024: €0.4bn / YE 2025: €0.0bn)
P&L
Segment Reporting
1) RoE post tax for segments @15% RWA avg. (RoE post tax @equity on group level) I 2) Includes Shipping and Aviation
Overview on Non-recurring items (Net Income)
1) Tax effect adjustments (-€33mn) - driven by depreciation of DTA on tax loss carry forwards (-€22mn due to strategic realignment and -€19mn tax rate change)
Management Board and Shareholder Structure
Luc Popelier CEO
- Born in 1964 in Belgium
- CEO since September 2024
- Before that, Luc was until August 2024 CFO at Belgian KBC Group, following CEO position at International Markets Business unit of KBC Group. Luc has held various positions in the corporate banking business for over 29 years
Marc Ziegner CFO | Deputy CEO
- Born in 1975 in Germany
- Chief Financial Officer (CFO) since October 2022
- Prior to this, Marc was Managing Director Bank Steering at HCOB. He has held various positions of responsibility in the areas of bank management, finance and group controlling
Jens Thiele CIO
- Born in 1980 in Germany
- Chief Investment Officer (CIO) since January 2026
- Prior to this, Jens was Chief Client Officer and Managing Director Project Finance and Corporates. He has held various management positions in the Corporate Banking business
Reinout van Riel CRO
- Born in 1970 in the Netherlands
- Chief Risk Officer (CRO) since January 2026, joined HCOB in November 2025
- Before that, Reinout was CRO at NIBC since 2016, and has held positions in (corporate) banking for 30 years
Contacts
Marc Ziegner Chief Financial Officer
Hamburg Commercial Bank AG
Gerhart-Hauptmann-Platz 50
D-20095 Hamburg
Christian Finck Head of Treasury / Investor Relations
Tel. no.: +49 (0) 175 7285303 christian.finck@hcob-bank.com
Hamburg Commercial Bank AG
Gerhart-Hauptmann-Platz 50
D-20095 Hamburg
Alexander Podolsky
Head of Funding
Tel. no.: +49 (0) 170 3064405 alexander.podolsky@hcob-bank.com
Hamburg Commercial Bank AG
Gerhart-Hauptmann-Platz 50
D-20095 Hamburg
Jan Lührs-Behnke
Head of Finance & Bank Steering
Tel. no.: +49 (0) 40 3333 14362 jan.luehrs-behnke@hcob-bank.com
Hamburg Commercial Bank AG
Gerhart-Hauptmann-Platz 50
D-20095 Hamburg
Dr. Matthias Umlauf
Rating Agency Relations
Tel. no.: +49 (0) 40 3333 13135 matthias.umlauf@hcob-bank.com
Hamburg Commercial Bank AG
Gerhart-Hauptmann-Platz 50
D-20095 Hamburg