You are now speaking of commercials and not photography...
In commercials, they don't take the snap-shots as is and display them, but they do a lot of graphics rendering...
For example, the first commercial you stated, could be done via Adobe Photoshop using two images...
1- image of the background (either color and converted to black and white, or originally taken in blacck and white);
2- image of the girl in color, and maybe with a background of solid green (modern) or blue (old), which is then converted to a transparent layer...
The next step after deleting the back-color behind the girl and having the background in black and white is to actually merge the two images...
In Adobe Photoshop, its really easy to add layers, but you have to be a professional graphics designer to be able to alter the images in a way that bare eyes can't notice that the image is really fake...
Its not only Adobe Photoshop that does that, but also, Corel Draw...
Never treid doing it in Corel Draw though (although its near enough done the same way)
PS:
Adobe has completed the acquisition of Macromedia to be the giant of Graphics & Multimedia Software developer on the market...