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Commerzbank
Commerzbank (CBK) investor relations material
Commerzbank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary11 Feb, 2026
Executive summary
Achieved record operating result of €4.5bn in 2025, up 18% year-over-year, with net result of €2.6bn and adjusted net result (excluding restructuring) up 13% to €3bn.
Revenues rose 10% to €12.2bn, driven by broad-based growth, especially in net commission income and strong mBank results.
Net commission income grew 7% to €4bn; net interest income nearly stable at €8.2bn despite lower rates.
Share price more than doubled in 2025, reflecting significant value creation and market confidence.
Capital return to shareholders for 2025 was €2.7bn, with a 100% payout ratio before restructuring expenses.
Financial highlights
Cost-income ratio improved by 2 percentage points to 57% in 2025, meeting the annual target.
CET1 ratio stable at 14.7%, providing a 438bp buffer to MDA.
Risk result for 2025 was minus €722m, well below guidance; NPE ratio at 1.1%.
Liquidity coverage ratio (LCR) at 140.5%, net stable funding ratio (NSFR) at 123.3%.
Asset management subsidiaries saw slightly lower annual revenues due to a challenging market for illiquid assets.
Outlook and guidance
2026 net result targeted above €3.2bn; cost-income ratio target improved to 54%.
ROTE target for 2026 set at over 11.2%; 2028 ROTE target of 15% with credible roadmap.
Net interest income guidance for 2026 raised to €8.5bn, with potential to reach €9.4bn by 2028.
7% annual growth in net commission income targeted.
100% payout ratio after AT1 coupon payments to continue; dividend share to grow toward 50%.
Future AI applications and their impact
Outlook for Aquila Capital's market conditions
Conditions for 100% capital return payout
Quantify AI's expected efficiency gains by 2028
Aquila: Any further impairments or client impact?
Deposit beta: How will new campaigns impact it?
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Next Commerzbank earnings date
Q1 20268 May, 2026
Commerzbank
Next Commerzbank earnings date
Q1 20268 May, 2026
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Frequently asked questions
Commerzbank AG, provides banking and capital market services to private and small business customers, multinational groups, financial service providers, and institutional clients worldwide. The Company operates in Retail Banking, Private Clients and Corporate Clients segments. The company offers accounts, credit cards, loans, investment and finance products, trade services, insurances and e-banking solutions. It also provides brokerage and custody services; global transaction banking services, such as cash management transactions; and risk management solutions.
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