Commerzbank AG reported a record €4.5 billion operating profit for 2025, a 18% increase that smashed its growth targets. The German lender delivered a net profit of €2.6 billion despite €562 million in restructuring costs, driven by a 10% revenue rise to €12.2 billion. Key drivers included a 7% jump in net commission income to €4 billion and strong performance from its Polish subsidiary, while net interest income remained stable at €8.2 billion. The bank's corporate loan portfolio grew by 10% year-on-year.

This robust performance enables Commerzbank to return significantly more to shareholders than planned. The bank will distribute approximately €2.7 billion in 2025, nearly €1 billion above its original target. This includes a substantial dividend hike to €1.10 per share (up from €0.65 in 2024) and two share buybacks totaling €1.54 billion. For 2026, the bank targets net profit above its €3.2 billion goal, with net interest income projected at €8.5 billion and continued commission income growth.

CEO Bettina Orlopp hailed the results, stating the bank has moved into a "different league" today. The strong 2025 performance validates Commerzbank's strategic shift and positions it well for future growth, particularly in its core German market and Poland, despite challenging interest rate conditions.