The earnings call reflected a strong positive sentiment with record operating results, increased financial targets, and resilient income streams despite macroeconomic challenges. However, some concerns were noted, including the impact of lower ECB rates and increased operating costs.

Company Guidance -

Q3 2025

During the second quarter earnings call of Commerzbank AG, CEO Bettina Orlopp provided a comprehensive update on the bank's financial performance and outlook for 2025. The bank achieved a record operating result of EUR 2.4 billion in the first half of 2025, marking a 23% increase from the previous year. This success led to an enhanced full-year guidance, with net interest income expectations raised from EUR 7.8 billion to EUR 8 billion and net result target increased to EUR 2.5 billion, excluding restructuring charges. Orlopp highlighted a cost/income ratio of 56%, on track to meet the annual target of 57%, and a return on tangible equity of 11.1%. The bank plans a 100% capital return to shareholders, based on net results before restructuring expenses. Loan growth, especially in Corporate Clients, was strong at 8%, while net commission income saw an 8% uplift, driven by robust performance across all customer divisions. The CET1 ratio stood at 14.6%, aligning with the year-end target of at least 14.5%. Orlopp emphasized the momentum strategy's success and strategic initiatives, including a planned employee share program and a new account fee structure for private customers, contributing significantly to fee income.

Record Operating Result

Commerzbank achieved the best operating result in its history, with revenues 13% higher than the previous year, leading to a record operating result of EUR 2.4 billion, which is 23% higher than last year and 36% higher than in 2023.

Increased Targets for 2025

The bank raised its targets for net interest income and net result for 2025, demonstrating confidence in future performance.

Net Interest Income Resilience

Net interest income remained robust despite a decreasing rate environment, with a full year guidance increase from EUR 7.8 billion to EUR 8 billion.

Strong Fee Income Growth

Net commission income grew by 8% in the first half of the year, driven by securities business in PSBC Germany and strong client business across all segments.

Capital Return and Share Buyback

Commerzbank applied for a share buyback of up to EUR 1 billion and plans to fully distribute the net result of EUR 2.6 billion before restructuring expenses.

Loan Growth in Corporate Clients

Corporate Clients saw an 8% loan growth, helping mitigate the impact from lower rates on deposit NII.

Commerzbank AG (CRZBY) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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CRZBY Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Nov 06, 2025	2025 (Q3)	0.69 / -	0.515	―	―	―
Aug 06, 2025	2025 (Q2)	0.67 / 0.82	0.505	62.57% (+0.32)
May 09, 2025	2025 (Q1)	0.74 / 0.82	0.628	30.89% (+0.19)
Feb 13, 2025	2024 (Q4)	0.38 / 0.63	0.318	98.43% (+0.31)
Nov 06, 2024	2024 (Q3)	0.47 / 0.52	0.556	-7.37% (-0.04)
Aug 07, 2024	2024 (Q2)	0.47 / 0.51	0.564	-10.46% (-0.06)
May 15, 2024	2024 (Q1)	0.56 / 0.63	0.498	26.10% (+0.13)
Feb 15, 2024	2023 (Q4)	0.33 / 0.32	0.45	-29.33% (-0.13)
Nov 08, 2023	2023 (Q3)	0.52 / 0.56	0.47	18.30% (+0.09)
Aug 04, 2023	2023 (Q2)	0.57 / 0.56	0.305	84.92% (+0.26)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

CRZBY Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Aug 06, 2025	$36.32	$36.93	+1.68%
May 09, 2025	$26.91	$28.07	+4.31%
Feb 13, 2025	$19.38	$19.81	+2.22%
Nov 06, 2024	$17.77	$16.98	-4.45%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Commerzbank AG (CRZBY) report earnings?

Commerzbank AG (CRZBY) is schdueled to report earning on Nov 06, 2025, TBA (Confirmed).

What is Commerzbank AG (CRZBY) earnings time?

Commerzbank AG (CRZBY) earnings time is at Nov 06, 2025, TBA (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is CRZBY EPS forecast?

CRZBY EPS forecast for the fiscal quarter 2025 (Q3) is 0.69.

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