The earnings call presented a strong performance with record operating results and successful strategy execution, despite some challenges such as legacy position impacts and continued economic caution in Germany.

Company Guidance -

Q3 2025

During the Commerzbank AG conference call for the second quarter of 2025, the bank raised its targets and expectations for the year, highlighting several key metrics. The first half of the year saw a record operating result of EUR 2.4 billion, a 23% increase from the previous year and 36% higher than in 2023. The bank achieved a cost/income ratio of 56%, aligning well with its full-year target of 57%. Additionally, the net interest income (NII) guidance for 2025 was increased from EUR 7.8 billion to EUR 8 billion, marking this as the floor of expectation. Net commission income grew by 8% in the first half, underpinned by strong performances across all customer segments, particularly a 10% increase in PSBC Germany and a 14% rise in mBank. The bank also set a target for a 100% payout ratio based on the net result before restructuring charges, with a CET1 ratio expectation of at least 14.5% by year-end.

Record Operating Result

Commerzbank achieved the best operating result in its history with a 23% increase in the first half of 2025, reaching EUR 2.4 billion.

Strong Revenue and Cost Management

Revenues increased by 13% year-over-year, with a cost/income ratio of 56%, indicating strong cost discipline. The return on tangible equity was 11.1%, above the full-year target of 9.6%.

Net Interest Income Resilience

Net interest income remained resilient in a decreasing rate environment, with guidance increased from EUR 7.8 billion to EUR 8 billion for 2025.

Successful Strategy Execution

Significant progress in implementing the momentum strategy, with restructuring negotiations on track and a new account fee structure successfully introduced.

Dividend and Capital Return

Applied for a share buyback of up to EUR 1 billion in mid-July, with a target to fully distribute net results before restructuring expenses.

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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