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Edge14 Nov 2025
Ball: The King of Cans
From a 19th-century glass-jar legacy to a global plant network, Ball is now a pure-play aluminum can partner to the world's biggest beverage brands.
Commerzbank (CBK) investor relations material
Commerzbank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary6 Nov, 2025
Executive summary
Achieved record nine-month operating profit of €3,442m, up 21.2% year-over-year, driven by strong fee income, mBank revenues, and cost/income ratio improvement.
Revenues for 9M 2025 rose 10.8% to €9,030m, with Q3 revenues up 7.4% year-over-year.
Net result for 9M 2025 was €1,888m, down 2.0% year-over-year, impacted by a higher tax rate due to a one-off from DTAs.
Share price nearly doubled over the last 12 months, reflecting strong performance and positive outlook.
Share buyback of €1bn in progress, with an additional €0.6bn applied for; payout ratio set at 100% of net result before restructuring expenses.
Financial highlights
Net interest income for 9M 2025 was €6,177m, down 1.2% year-over-year; net commission income grew 8% to €3,000m.
Operating result up 18% in Q3 year-over-year; cost-income ratio improved to 56% for 9M 2025.
Risk result for 9M 2025 was -€515m, nearly flat year-over-year; NPE ratio at 1.0%.
CET1 ratio at 14.7% at Q3 2025, providing a 438bp buffer to MDA.
Total assets increased to €593.0bn at Q3 2025.
Outlook and guidance
2025 NII outlook raised to €8.2bn, with risk result expected below €850m.
Net result outlook maintained at €2.5bn, or €2.9bn before restructuring expenses.
Cost/income ratio target for 2025 confirmed at 57%; CET1 ratio expected at least 14.5%.
Plans to return 100% of net income before restructuring and after AT1 coupon payments to shareholders.
Positive macro tailwinds expected in 2026, including German government stimulus and improved sentiment.
AI's role in 2026 efficiency gains
NII 2026: What are key upside drivers?
Corporate Clients loan growth: What's the mix and margin?
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Next Commerzbank earnings date
Q4 202511 Feb, 2026
Next Commerzbank earnings date
Q4 202511 Feb, 2026
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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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