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Macroeconomic and regulatory environment
German fiscal stimulus is expected to drive economic growth from 2026, with optimism for lasting benefits if paired with structural reforms and supply-side changes.
Private sector investment is anticipated to multiply the impact of government spending, with effects becoming more visible in 2026 and beyond.
Regulatory changes in Europe, especially the output floor and capital requirements, are being closely monitored, with management confident in their ability to mitigate impacts through balance sheet adjustments and securitization strategies.
There is concern that European regulatory complexity could hinder growth and competitiveness versus US banks, especially as US deregulation advances.
Financial performance and outlook
On track to achieve over 10% RoTE and a cost/income ratio below 65% for 2025, with strong revenue momentum and expense control.
Credit loss provisions have risen due to tariff changes and commercial real estate, but offsets have kept targets on track.
Investment bank performance is robust, with strong FICC results and recovery in origination advisory; US market investments are expected to yield further growth.
Private and corporate banks are executing strategies, with asset management showing continued inflows and potential for performance fees.
Capital, litigation, and strategic initiatives
CET1 target range was raised to 13.5–14% to signal strength and provide clarity on distributions, with excess capital above 14% available for return to shareholders.
Output floor impact is manageable in the near term, with mitigation strategies in place; further regulatory review in Europe is anticipated.
Postbank litigation has largely been resolved, with 80% of cases settled and provisions reduced; a €600 million recovery from a national resolution fund is possible, pending legal outcomes.
Securitization and significant risk transfer are seen as key tools for balance sheet management, though current European proposals could be improved to unlock more funding.
Detail bank's benefit from German fiscal stimulus
Output floor mitigation strategy details
Key levers for future RoTE improvement
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Next Deutsche Bank earnings date
Q3 202529 Oct, 2025
Next Deutsche Bank earnings date
Q3 202529 Oct, 2025
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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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