Commerzbank AG (CRZBF) Q4 2025 Earnings Call

Investor webinar replay

Watch the replay and follow the connected company analysis, news, and investor updates for Commerzbank Ag.

Watch the replay

Replay transcript excerpt

WEBVTT 00:00:01.313 -- 00:00:05.275 This conference will be recorded. Hello 00:00:06.718 -- 00:00:11.803 and welcome to the Commerzbank AG conference call regarding the fourth quarter results 00:00:11.803 -- 00:00:14.525 2025. Please note 00:00:14.525 -- 00:00:19.530 that this call is being transmitted as well as recorded by audio webcast 00:00:19.530 -- 00:00:21.652 and will be subsequently 00:00:21.652 -- 00:00:25.075 made available for replay in the internet. 00:00:25.075 -- 00:00:29.716 At this time all participants have been placed on a listen only mode The floor will be 00:00:29.716 -- 00:00:34.543 open for questions following Bettina Orlop's and Carsten Schmidt's presentation. 00:00:34.543 -- 00:00:39.707 Let me now turn the floor over to our CEO, Bettina Orlop. 00:00:40.571 -- 00:00:44.436 Good morning, everyone, and welcome to our earnings call. 00:00:44.436 -- 00:00:48.882 You already saw the bottom line and capital return yesterday with our pre-release, and 00:00:48.882 -- 00:00:53.789 today we are pleased to present the full picture of our Q4 and full year performance 00:00:53.789 -- 00:00:56.269 2025. I 00:00:56.332 -- 00:01:00.905 will present to you our overview of the year and share our strategic and financial view 00:01:00.905 -- 00:01:05.772 going forward. Afterwards, Carsten will walk you through the detailed financial performance 00:01:05.772 -- 00:01:08.373 of the fourth quarter. 00:01:08.516 -- 00:01:12.422 We can report on a very successful year for Commerzbank. 00:01:12.422 -- 00:01:17.229 We achieved our growth targets and in many areas exceeded them. 00:01:17.229 -- 00:01:21.796 We delivered a record operating result and will do return even more capital to shareholders 00:01:21.796 -- 00:01:24.440 than originally planned. 00:01:24.440 -- 00:...