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Deutsche Bank Q4 Earnings Rise Y/Y, Expenses & Provisions Decline Y/Y
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Key Takeaways
DB's Q4 earnings rose sharply year over year, supported by a 6.9% increase in net revenues.
Profit before tax hit a record, driven by higher revenues, lower costs and reduced provisions.
Investment Bank and Asset Management revenues rose, while Corporate Bank revenues declined year over year.
Deutsche Bank (DB - Free Report) reported fourth-quarter 2025 earnings attributable to its shareholders of €1.29 billion ($1.55 billion), which rose significantly from €106 million ($126.8 million) reported in the prior-year quarter.
This Germany-based lender reported a record profit before tax of €2 billion ($2.4 billion), which rose significantly from €583 million ($697.8 million) reported in the year-ago quarter.
Increased revenues and lower provisions for credit losses aided results. Notably, the decline in expenses was also encouraging.
Deutsche Bank’s Revenues & Expenses
The bank generated net revenues of €7.7 billion ($9.2 billion), up 6.9% year over year.
Non-interest expenses of €5.3 billion ($6.3 billion) decreased 14.7% from the prior-year quarter.
Adjusted non-interest expenses (excluding non-operating items) were €5.1 billion ($6.1 billion), down 3.7% from the prior-year quarter.
Provision for credit losses was €395 million ($472.8 million), down 5.9% from the prior-year quarter.
DB’s Segmental Performance
Corporate Bank: Net revenues from the segment were €1.8 billion ($2.2 billion), down 2.2% year over year. A decrease in Institutional Client Services and Business Banking revenues hurt the results.
Investment Bank: This segment’s net revenues totaled €2.5 billion ($3 billion), up 5.2% year over year. The upside was primarily driven by record growth across Fixed Income and Currencies.
Private Bank: Net revenues of €2.4 billion ($2.9 billion) were up 3.4% year over year.
Asset Management: Net revenues of €888 million ($1,062.9 million) rose 25.2% year over year. An increase in performance and transaction fees led to the rise.
Corporate & Other: The segment reported net revenues of €62 million ($74.2 million), compared with negative net revenue of €98 million ($117.3 million) in the prior-year quarter.
Deutsche Bank’s Capital Position
DB’s Common Equity Tier 1 capital ratio was 14.2% as of Dec. 31, 2025, up from the year-ago quarter’s 13.8%.
The leverage ratio on a fully loaded basis was 4.6%, unchanged from the year-ago quarter.
Our Viewpoint on Deutsche Bank
A strong balance sheet position and a shift toward a capital-light business model will likely support Deutsche Bank's financials. Also, the company’s strong capital position aids sustainable capital distribution moves. In addition, lower expenses are expected to support bottom-line growth.
Deutsche Bank Aktiengesellschaft Price, Consensus and EPS Surprise
The Bank of N.T. Butterfield & Son Limited (NTB - Free Report) is scheduled to report fourth-quarter and full-year 2025 results on Feb. 9, 2026.
The Zacks Consensus Estimate for NTB’s quarterly earnings has been unchanged at $1.46 per share over the past seven days. The figure implies an increase of 8.9% from the prior-year quarter.
Barclays PLC (BCS - Free Report) is scheduled to announce fourth-quarter and full-year 2025 results on Feb. 10, 2026.
The Zacks Consensus Estimate for BCS’ quarterly earnings has been unchanged at 42 cents per share over the past week. The figure implies an increase of 23.5% from the prior-year quarter.
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Deutsche Bank Q4 Earnings Rise Y/Y, Expenses & Provisions Decline Y/Y
Key Takeaways
Deutsche Bank (DB - Free Report) reported fourth-quarter 2025 earnings attributable to its shareholders of €1.29 billion ($1.55 billion), which rose significantly from €106 million ($126.8 million) reported in the prior-year quarter.
This Germany-based lender reported a record profit before tax of €2 billion ($2.4 billion), which rose significantly from €583 million ($697.8 million) reported in the year-ago quarter.
Increased revenues and lower provisions for credit losses aided results. Notably, the decline in expenses was also encouraging.
Deutsche Bank’s Revenues & Expenses
The bank generated net revenues of €7.7 billion ($9.2 billion), up 6.9% year over year.
Non-interest expenses of €5.3 billion ($6.3 billion) decreased 14.7% from the prior-year quarter.
Adjusted non-interest expenses (excluding non-operating items) were €5.1 billion ($6.1 billion), down 3.7% from the prior-year quarter.
Provision for credit losses was €395 million ($472.8 million), down 5.9% from the prior-year quarter.
DB’s Segmental Performance
Corporate Bank: Net revenues from the segment were €1.8 billion ($2.2 billion), down 2.2% year over year. A decrease in Institutional Client Services and Business Banking revenues hurt the results.
Investment Bank: This segment’s net revenues totaled €2.5 billion ($3 billion), up 5.2% year over year. The upside was primarily driven by record growth across Fixed Income and Currencies.
Private Bank: Net revenues of €2.4 billion ($2.9 billion) were up 3.4% year over year.
Asset Management: Net revenues of €888 million ($1,062.9 million) rose 25.2% year over year. An increase in performance and transaction fees led to the rise.
Corporate & Other: The segment reported net revenues of €62 million ($74.2 million), compared with negative net revenue of €98 million ($117.3 million) in the prior-year quarter.
Deutsche Bank’s Capital Position
DB’s Common Equity Tier 1 capital ratio was 14.2% as of Dec. 31, 2025, up from the year-ago quarter’s 13.8%.
The leverage ratio on a fully loaded basis was 4.6%, unchanged from the year-ago quarter.
Our Viewpoint on Deutsche Bank
A strong balance sheet position and a shift toward a capital-light business model will likely support Deutsche Bank's financials. Also, the company’s strong capital position aids sustainable capital distribution moves. In addition, lower expenses are expected to support bottom-line growth.
Deutsche Bank Aktiengesellschaft Price, Consensus and EPS Surprise
Deutsche Bank Aktiengesellschaft price-consensus-eps-surprise-chart | Deutsche Bank Aktiengesellschaft Quote
The company currently has a Zacks Rank #2 (Buy). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
Earnings Release Dates of Other Foreign Banks
The Bank of N.T. Butterfield & Son Limited (NTB - Free Report) is scheduled to report fourth-quarter and full-year 2025 results on Feb. 9, 2026.
The Zacks Consensus Estimate for NTB’s quarterly earnings has been unchanged at $1.46 per share over the past seven days. The figure implies an increase of 8.9% from the prior-year quarter.
Barclays PLC (BCS - Free Report) is scheduled to announce fourth-quarter and full-year 2025 results on Feb. 10, 2026.
The Zacks Consensus Estimate for BCS’ quarterly earnings has been unchanged at 42 cents per share over the past week. The figure implies an increase of 23.5% from the prior-year quarter.