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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Deutsche Bank
Deutsche Bank (DBK) investor relations material
Deutsche Bank Q3 2026 Fixed Income earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 Fixed Income earnings summary29 Oct, 2026
Executive summary
Record 9M 2026 revenue of €25.5bn and profit before tax of €8.4bn; 9M post-tax RoTE was 11.5%.
Q3 profit before tax rose 8% YoY to €2.6bn; continued franchise investment was paired with efficiency measures and positive operating leverage.
Financial highlights
Q3 net revenues were €8.335bn, up 4% reported and 3% FX-adjusted YoY; 9M revenues increased 5% to €25.5bn.
Q3 net interest income was €4.3bn (+9%) and net commission and fee income €2.9bn (+8%); 9M figures were €13.0bn (+14%) and €8.5bn (+5%).
Q3 profit was €1.9bn and diluted EPS €0.94; 9M profit rose 7% to €5.9bn, with profit attributable to shareholders of €5.1bn.
Q3 noninterest expenses were €5.203bn, flat YoY; credit-loss provisions were €501m (+20%). 9M provisions totaled €1.5bn (+13%) and noninterest expenses €15.7bn.
Outlook and guidance
FY 2026 revenue is expected above €33bn, assuming constructive markets; full-year revenue is expected slightly above 2025, with CIR below 65%.
FY total expenses are expected at ~€21.3bn; noninterest expenses are expected slightly above €21bn, including ~€900m planned incremental investment.
H2 credit-loss provisions are expected to be similar to H1; underlying provisions are expected slightly below 2025, while CRE provisions should decline gradually through 2027–28 and group provisions reach ~30 bps by 2028.
FY 2028 targets include RoTE above 13%, CIR below 60%, CET1 of 13.5%–14.0%, and a 60% payout ratio from 2026; structural efficiencies target at least €2bn of savings by 2028.
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Latest events from Deutsche Bank
- Record 9M earnings and asset flows advanced targets; carve-out accounting boosted Q3 profit.DBK
Q3 2026 - Record nine-month earnings support targets amid CRE risks and material EU carve-out effects.DBKQ3 2026 Pre Recorded
- Record profit, robust capital, and strong growth position support ambitious 2028 targets.DBKClient & Creditor Overview presentation
- Strong asset growth, cost control, and AI-driven efficiency support confidence in exceeding 13% RoTE.DBKBank of America 31th Annual Financials CEO Conference
- Record H1 profit, strong capital, and robust segment growth support 2026 targets.DBKQ2 2026 Fixed Income
- Record H1 2026 profit, strong revenue growth, and €500m buyback support positive outlook.DBKQ2 2026 Pre recorded
- Record H1 profit, strong revenue growth, and €500m buyback highlight robust 2026 outlook.DBKQ2 2026
- Targets RoTE above 13%, <60% CIR, and 60% payout ratio by 2028, focusing on scalable growth.DBKInvestor Day 2025
- Q3 2024 profit and capital surged, driven by provision releases and strong segment results.DBKQ3 2024
Next Deutsche Bank earnings date
Q4 202628 Jan, 2027
Deutsche Bank
Next Deutsche Bank earnings date
Q4 202628 Jan, 2027
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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.