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Deutsche Bank (DBK) investor relations material
Deutsche Bank Q3 2025 FIxed Income earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 FIxed Income earnings summary30 Oct, 2025
Executive summary
Achieved record profitability in the first nine months of 2025, with profit before tax up 64% year-over-year to €7.7bn and all business segments delivering double-digit profit growth and ROTE above 10%.
Revenue grew 7% year-over-year to €24.4bn, supporting the full-year target of around €32bn before FX effects.
Cost/income ratio improved to 63%, consistent with the target of below 65% and reflecting strong cost discipline.
CET1 capital ratio increased to 14.5%, supported by organic capital generation and capital efficiency measures.
Disciplined execution of 2025 objectives, including €2.4bn cost savings and €30bn RWA optimization since 2023.
Financial highlights
Pre-provision profit was €9bn in the first nine months, up nearly 50% year-over-year, or 30% adjusted for Postbank litigation.
Net income attributable to shareholders for nine months was €4.8bn, up 86% year-over-year.
Q3 2025 revenues reached €8.0bn, up 7% year-over-year; profit before tax €2.4bn, up 8%.
Non-interest expenses down 8% year-over-year, mainly due to lower non-operating costs from non-repeat of litigation provisions.
Customer deposits rose to €663bn, and assets under management increased by €140bn over the last twelve months.
Outlook and guidance
On track to meet or exceed all 2025 strategy goals, including revenue and cost targets, with post-tax ROTE above 10% and cost/income ratio below 65%.
FY 2025 revenue ambition remains on track, with ~€32bn 9M 2025 revenues in line with CAGR target.
Provision for credit losses expected to be lower in H2 2025 than H1, reflecting portfolio strength.
CET1 ratio target remains 13.5–14.0% with a 50% payout ratio from 2025.
Expect lending in the core bank to benefit from German fiscal stimulus and accelerate in 2026.
Clarify the revised timeline for €500bn sustainable finance target
Detail the impact of expiring CRR rule and EBA guidance on CET1
What is driving the flat O&A revenue outlook for IB in 2025?
Detail year-end pro forma CET1 ratio
Identify other credit portfolio watch areas
Lending outlook for core bank in 2026?
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Next Deutsche Bank earnings date
Q4 202529 Jan, 2026
Next Deutsche Bank earnings date
Q4 202529 Jan, 2026
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Frequently asked questions
Germany’s Biggest Bank
Deutsche Bank AG, often referred to simply as Deutsche Bank, is a leading international financial services provider. Established in 1870 in Berlin, the bank has long been a stalwart of the global financial sector. With a network that spans the globe, Deutsche Bank offers a variety of services such as investment banking, retail banking, asset management, and corporate banking.
Birth in the Industrial Age
Deutsche Bank's roots trace back to the heart of the industrial era in the late 19th century. It was established in Berlin, Germany, in 1870, with the aim of supporting German and European businesses wanting to trade worldwide. The initial mandate was to facilitate trade relations between Germany and international markets, and the bank quickly established a presence in Shanghai, Yokohama, and London. The early years of Deutsche Bank were marked by significant growth and expansion as the bank played a critical role in major projects such as the Northern Pacific Railroad in the USA. Some notable milestones during their history include assisting with taking Bayer public, as well as facilitating the merger between Daimler and Benz, paving the way for the formation of Mercedes as we know them today.
A Global Investment Bank
Over the years, Deutsche Bank has evolved into a global investment bank, with a strong and profitable private clients franchise. Its client base includes corporations, governments, institutional investors, small and medium-sized businesses, and private individuals. Deutsche Bank has become an international power player in the financial world, with a significant presence in Europe, the Americas, and Asia. Deutsche is one of the most recognizable banks in Europe and continues to play an important role in the German economy.
Other services
Deutsche Bank also has a diverse portfolio of operations outside its investment and retail banking divisions. Their Private Bank caters to high-net-worth individuals and families, offering a suite of personalized services including wealth management, estate planning, and specialty finance. The bank's Asset Management division provides institutional and individual investors with solutions ranging from real estate investment to sustainable investing. Their Corporate Bank, meanwhile, offers cash management, trade finance, and securities services to corporate clients and financial institutions.
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