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Commerzbank AG (CRZBY) Q4 2025 Earnings Call February 11, 2026 3:00 AM EST
Company Participants
Bettina Orlopp – CEO & Chairwoman of the Board of Managing DirectorsCarsten Schmitt – CFO & Member of the Board of Managing Directors
Conference Call Participants
Jeremy Sigee – BNP Paribas, Research DivisionBenjamin Goy – Deutsche Bank AG, Research DivisionKian Abouhossein – JPMorgan Chase & Co, Research DivisionTarik El Mejjad – BofA Securities, Research DivisionBorja Ramirez Segura – Citigroup Inc., Research DivisionRiccardo Rovere – Mediobanca – Banca di credito finanziario S.p.A., Research DivisionStefan-Michael Stalmann – Bernstein Autonomous LLP
Presentation
Operator
Hello, and welcome to the Commerzbank AG conference call regarding the fourth quarter results 2025. Please note that this call is being transmitted as well as recorded by audio webcast and will be subsequently made available for replay in the Internet. [Operator Instructions] The floor will be opened for questions following Bettina Orlopp’s and Carsten Schmitt’s presentation.
Let me now turn the floor over to our CEO, Bettina Orlopp.
Bettina OrloppCEO & Chairwoman of the Board of Managing Directors
Good morning, everyone, and welcome to our earnings call. You already saw the bottom line and capital return yesterday with our pre-release. And today, we are pleased to present the full picture of our Q4 and full year performance 2025. I will present to you our overview of the year and share our strategic and financial view going forward. Afterwards, Carsten will walk you through the detailed financial performance of the fourth quarter.
We can report on a very successful year for Commerzbank. We achieved our growth targets and in many areas, exceeded them. We delivered a record operating result and will return even more capital to shareholders than originally planned. This is a clear proof to the fact that our Momentum strategy pays off and drives
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