Cash flow Commerzbank AG

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CBK

DE000CBK1001

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Published financial data: COMMERZBANK AG

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	7.27B	10.33B	18.26B	21.22B	19.52B
Interest Income On Investments	22M	32M	26M	44M	29M
Interest Income, Total	7.29B	10.36B	18.29B	21.26B	19.55B
Interest On Deposits	2.42B	3.87B	9.9B	12.88B	11.29B
Interest Expense, Total	2.42B	3.87B	9.9B	12.88B	11.29B
Net Interest Income	4.87B	6.49B	8.39B	8.38B	8.26B
Income From Trading Activities	-	-	-	-	-
Gain (Loss) on Sale of Loans	-21M	48M	167M	145M	65M
Gain (Loss) on Sale of Assets	4M	36M	11M	12M	-2M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	983M	455M	-375M	-40M	14M
Income (Loss) on Equity Invest. (Income Block)	6M	13M	4M	1M	14M
Total Other Non Interest Income	2.74B	2.5B	2.33B	2.67B	3.85B
Non Interest Income, Total	3.71B	3.05B	2.14B	2.79B	3.94B
Revenues Before Provison For Loan Losses	8.58B	9.54B	10.53B	11.17B	12.19B
Provision For Loan Losses	570M	876M	618M	743M	722M
Total Revenues	8.01B	8.67B	9.92B	10.42B	11.47B
Salaries And Other Employee Benefits	-	-	-	-	-
Stock-Based Compensation (IS)	10M	27M	43M	62M	156M
Amort. of Goodwill & Intang. Assets	-	-	-	-	-
Occupancy Expense	-	-	-	-	-
Selling General & Admin Expenses, Total	361M	365M	332M	74M	334M
Total Other Non Interest Expense	6.24B	6.17B	6.1B	6.45B	6.35B
Non Interest Expense, Total	6.62B	6.56B	6.47B	6.59B	6.84B
EBT, Excl. Unusual Items	1.4B	2.11B	3.44B	3.84B	4.63B
Restructuring Charges	-1.08B	-94M	-18M	-3M	-562M
Impairment of Goodwill	-	-	-	-	-
Asset Writedown	-214M	-10M	-24M	-	-121M
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	105M	2B	3.4B	3.83B	3.95B
Income Tax Expense	-248M	612M	1.19B	989M	1.09B
Earnings From Continuing Operations	353M	1.39B	2.21B	2.84B	2.86B
Earnings Of Discontinued Operations	-	-	-	-	-
Net Income to Company	353M	1.39B	2.21B	2.84B	2.86B
Minority Interest	77M	42M	10M	-168M	-234M
Net Income - (IS)	430M	1.44B	2.22B	2.68B	2.62B
Preferred Dividend and Other Adjustments	140M	190M	194M	212M	309M
Net Income to Common Incl Extra Items	290M	1.24B	2.03B	2.46B	2.32B
Net Income to Common Excl. Extra Items	290M	1.24B	2.03B	2.46B	2.32B
Per Share Items
Net EPS - Basic	0.23	0.99	1.63	2.08	2.06
Basic EPS - Continuing Operations	0.23	0.99	1.63	2.08	2.06
Basic Weighted Average Shares Outstanding	1.25B	1.25B	1.25B	1.19B	1.13B
Net EPS - Diluted	0.23	0.99	1.63	2.08	2.06
Diluted EPS - Continuing Operations	0.23	0.99	1.63	2.08	2.06
Diluted Weighted Average Shares Outstanding	1.25B	1.25B	1.25B	1.19B	1.13B
Normalized Basic EPS	0.76	1.09	1.74	1.88	2.36
Normalized Diluted EPS	0.76	1.09	1.74	1.88	2.36
Dividend Per Share	-	0.2	0.35	0.65	1.1
Payout Ratio	-	-	11.24	23.42	39.7
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	-236.19	30.52	34.92	25.8	27.58
Total Current Taxes	315M	616M	630M	453M	919M
Total Deferred Taxes	-563M	-4M	558M	535M	170M
Normalized Net Income	950M	1.36B	2.16B	2.23B	2.66B
Non-Cash Pension Expense	150M	163M	103M	93M	45M
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	10M	27M	43M	62M	156M
Total Stock-Based Compensation	10M	27M	43M	62M	156M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	9.71B	58.11B	65.82B	45.89B	31.52B
Investment Securities, Total	78.7B	66.9B	74.3B	93.41B	112B
Trading Asset Securities, Total	68.96B	57.94B	71.39B	99.64B	112B
Total investments	148B	125B	146B	193B	223B
Gross Loans	268B	271B	273B	283B	301B
Allowance For Loan Losses	-2.83B	-3.04B	-3.87B	-3.8B	-3.68B
Net Loans	265B	268B	269B	279B	297B
Gross Property Plant And Equipment	6.28B	-	5.85B	6.09B	5.75B
Accumulated Depreciation	-3.4B	-	-3.5B	-3.84B	-3.66B
Net Property Plant And Equipment	2.88B	2.43B	2.35B	2.24B	2.09B
Goodwill	-	-	-	-	112M
Other Intangibles, Total	1.24B	1.29B	1.39B	1.78B	1.75B
Investment in Real Estate	41M	57M	53M	322M	166M
Accrued Interest Receivable	269M	256M	241M	212M	214M
Other Receivables	222M	178M	138M	216M	319M
Restricted Cash	39.8B	17.13B	27.3B	27.11B	28.9B
Other Current Assets, Total	910M	243M	200M	317M	473M
Deferred Tax Assets Long-Term (Collected)	3.13B	3.12B	2.5B	1.93B	1.45B
Other Long-Term Assets, Total	1.79B	2.09B	2.3B	2.39B	3.01B
Total Assets	473B	477B	517B	555B	590B
Liabilities
Accrued Expenses, Total	884M	1.01B	1.2B	1.31B	628M
Interest Bearing Deposits	352B	373B	410B	434B	458B
Non-Interest Bearing Deposits	-	-	-	-	-
Total Deposits	352B	373B	410B	434B	458B
Short-Term Borrowings	38.66B	21.86B	17.77B	22.93B	29.62B
Current Portion of Long-Term Debt	-	-	-	-	-
Current Portion of Leases	433M	348M	338M	314M	215M
Long-Term Debt	41.85B	41.79B	45.49B	52.14B	56B
Long-Term Leases	1.5B	1.36B	1.34B	1.25B	1.21B
Current Income Taxes Payable	549M	826M	535M	467M	583M
Other Current Liabilities - (Bank / Utility Template)	2.11B	1.44B	2.04B	1.53B	2.07B
Pension & Other Post Retirement Benefits	255M	520M	657M	617M	555M
Deferred Tax Liability Non-Current	13M	6M	3M	46M	6M
Other Non Current Liabilities	5.16B	4.03B	4.62B	4.62B	5.7B
Total Liabilities	443B	447B	484B	519B	555B
Common Stock, Total	1.25B	1.25B	1.24B	1.15B	1.1B
Retained Earnings	14.98B	16.47B	18.03B	19B	19.28B
Comprehensive Income and Other	12.62B	12.3B	12.73B	14.31B	13.46B
Total Common Equity	28.85B	30.02B	31.99B	34.47B	33.83B
Minority Interest	975M	888M	1.02B	1.25B	1.54B
Total Equity	29.83B	30.9B	33.01B	35.72B	35.36B
Total Liabilities And Equity	473B	477B	517B	555B	590B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	1.25B	1.25B	1.24B	1.18B	1.1B
ECS Total Common Shares Outstanding	1.25B	1.25B	1.24B	1.18B	1.1B
Book Value / Share	23.04	23.97	25.8	29.1	30.85
Tangible Book Value	27.61B	28.73B	30.6B	32.68B	31.97B
Tangible Book Value Per Share	22.04	22.94	24.67	27.59	29.16
Tangible Book Value Per Share (As Reported)	20.48	21.58	23.33	25.96	26.11
Total Debt	82.44B	65.35B	64.93B	76.63B	87.05B
Deposits at Interest - Cash	39.8B	17.13B	27.3B	27.11B	28.9B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-454M	-572M	-602M	-741M	-1.24B
Net Debt	3.78B	-50.69B	-72.28B	-68.9B	-56.04B
Equity Method Investments, Total	175M	182M	142M	166M	242M
Full Time Employees	46.22K	41.91K	42.1K	39.04K	39.87K
Part Time Employees	-	-	-	1.19K	945
Number Of Offices	978	862	801	804	790
Assets on Operating Lease - Gross	-	-	-	920M	-
Assets on Operating Lease - Accumulated Depreciation	-	-	-	-547M	-

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	430M	1.44B	2.22B	2.68B	2.62B
Depreciation, Depletion & Amortization	521M	474M	436M	450M	4.29B
Amortization of Goodwill and Intangible Assets - (CF)	2M	4M	1M	9M	6M
Total Depreciation, Depletion & Amortization	523M	478M	437M	459M	4.29B
Amortization of Deferred Charges, Total	427M	409M	387M	400M	459M
Gain (Loss) on Sale of Loans & Receivables - (CF)	-	-	-	-	-
(Gain) Loss On Sale of Asset - (CF)	4M	36M	11M	12M	8M
Total Asset Writedown	218M	11M	25M	-	123M
(Income) Loss On Equity Investments - (CF)	-	-	-	-	-
Change in Trading Asset Securities	-4.38B	6.68B	-23.64B	-41.68B	-40.23B
Change in Other Net Operating Assets (Collected)	-30.87B	22.63B	38.68B	14.55B	20.16B
Other Operating Activities	9.39B	-5.82B	1.97B	3.26B	5.84B
Cash from Operations	-24.26B	25.86B	20.09B	-20.32B	-6.73B
Capital Expenditure	-973M	-675M	-998M	-1.15B	-1.15B
Sale of Property, Plant, and Equipment	278M	55M	57M	35M	186M
Cash Acquisitions	-24M	-62M	-2M	-262M	-103M
Divestitures	-85M	-30M	22M	59M	64M
Investment in Marketable and Equity Securities, Total	-	-	-	-	-
Other Investing Activities, Total	-	-1M	1M	1M	1M
Cash from Investing	-804M	-713M	-920M	-1.31B	-999M
Long-Term Debt Issued, Total	-	477M	-	1.24B	283M
Total Debt Issued	-	477M	-	1.24B	283M
Long-Term Debt Repaid, Total	-1.71B	-299M	-722M	-292M	-267M
Total Debt Repaid	-1.71B	-299M	-722M	-292M	-267M
Issuance of Common Stock	496M	-	-	1.31B	-
Repurchase of Common Stock	-	-	-122M	-1.07B	-1.53B
Common Dividends Paid	-	-	-250M	-627M	-1.04B
Common & Preferred Stock Dividends Paid	-	-	-250M	-627M	-1.04B
Net Increase (Decrease) in Deposit Accounts - (CF)	-	-	-	-	-
Other Financing Activities, Total	-1M	-	-	1M	-915M
Cash from Financing	-1.21B	178M	-1.09B	565M	-3.47B
Foreign Exchange Rate Adjustments	179M	402M	-180M	939M	-1.38B
Miscellaneous Cash Flow Adjustments	-	-	-	-	-
Net Change in Cash	-26.1B	25.73B	17.89B	-20.12B	-12.57B
Supplemental Items
Cash Interest Paid	2.48B	3.74B	9B	12.83B	10.97B
Cash Income Tax Paid (Refund)	328M	233M	673M	544M	917M
Net Debt Issued / Repaid	-1.71B	178M	-722M	953M	16M

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.07	0.29	0.45	0.53	0.5
Return On Equity %	1.21	4.59	6.93	8.28	8.04
Return on Common Equity	1.03	4.23	6.54	7.42	6.78
Shareholders Value Added	-2.27B	-2.03B	-1.49B	-1.3B	-1.12B
Margin Analysis
SG&A Margin	4.51	4.21	3.35	0.71	2.91
Net Interest Income / Total Revenues %	60.78	74.88	84.66	80.36	71.96
EBT Excl. Non-Recurring Items Margin %	17.44	24.33	34.74	36.81	40.37
Income From Continuing Operations Margin %	4.41	16.07	22.33	27.3	24.92
Net Income Margin %	5.37	16.56	22.43	25.68	22.88
Net Avail. For Common Margin %	3.62	14.36	20.47	23.65	20.19
Normalized Net Income Margin	11.86	15.69	21.81	21.4	23.19
Asset quality
Nonperforming Loans / Total Loans %	1.55	2.07	1.73	1.91	1.97
Nonperforming Loans / Total Assets %	0.88	1.17	0.91	0.97	1
Nonperforming Assets / Total Assets %	0.88	1.17	0.91	0.97	1
NPAs / Loans and OREO	1.55	2.07	1.73	1.91	1.97
NPAs / Equity	13.92	18.12	14.33	15.13	16.73
Allowance for Credit Losses / Net Charge-offs %	-	-	-	-	-
Allowance for Credit Losses / Nonperforming Loans %	68.14	54.33	81.86	70.23	62.2
Allowance for Credit Losses / Total Loans %	1.05	1.12	1.42	1.34	1.22
Provision for Loan Losses / Net Charge-offs %	-	-	-	-	-
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.75	6.23	6.24	6.2	5.97
Total Average Equity / Total Average Assets %	5.96	6.43	6.43	6.41	6.21
Total Equity + Allowance for Loan Losses / Total Loans %	11.81	12.21	13.14	13.52	12.48
Gross Loans / Total Deposits %	76.24	72.52	66.57	65.25	65.61
Net Loans / Total Deposits %	75.44	71.7	65.62	64.37	64.81
Tier 1 Capital Ratio %	15.5	16	16.5	17.6	16.7
Total Capital Ratio %	18.4	18.9	19.3	20.9	19.9
Core Tier 1 Capital Ratio	13.6	14.1	14.7	15.1	14.7
Tier 2 Capital Ratio	2.84	2.85	2.86	3.29	3.13
Interbank Ratio	40.84	99.78	92.98	70.63	32.47
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.04	1.52	1.34	1.3	1.35
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-2.83	33.29	29.32	-0.21	-1.44
Non Interest Income, 1 Yr. Growth %	12.59	-17.55	-29.94	30.43	41.15
Provision For Loan Losses, 1 Yr. Growth %	-67.39	53.68	-29.45	20.23	-2.83
Total Revenues, 1 Yr. Growth %	22.12	8.31	14.39	5.12	10.05
Earnings From Cont. Operations, 1 Yr. Growth %	-112.21	294.62	58.94	28.5	0.49
Net Income, 1 Yr. Growth %	-114.98	233.72	54.98	20.37	-1.94
Normalized Net Income, 1 Yr. Growth %	-732.36	43.15	58.99	3.13	19.29
Diluted EPS Before Extra, 1 Yr. Growth %	-109.84	329.31	63.92	27.38	-0.13
Dividend Per Share, 1 Yr. Growth %	-	-	75	85.71	69.23
Gross Loans, 1 Yr. Growth %	2.37	0.94	0.62	3.64	6.23
Allowance For Loan Losses, 1 Yr. Growth %	-7.03	7.56	5.62	-1.99	-3.06
Net Loans, 1 Yr. Growth %	2.48	0.87	0.55	3.72	6.35
Non Performing Loans, 1 Yr. Growth %	-13.36	34.9	-15.55	14.25	9.46
Non Performing Assets, 1 Yr. Growth %	-13.36	34.9	-15.55	14.25	9.46
Total Assets, 1 Yr. Growth %	-6.63	2.15	8.32	7.25	6.39
Total Deposits, 1 Yr Growth %	-5.88	6.12	9.86	5.74	5.63
Tangible Book Value, 1 Yr. Growth %	6.04	4.05	6.41	6.81	-2.18
Common Equity, 1 Yr. Growth %	5.08	4.04	6.48	7.74	-1.85
Total Equity, 1 Yr. Growth %	4.38	3.61	6.71	8.21	-0.99
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-2.32	13.8	31.29	13.6	-0.83
Non Interest Income, 2 Yr. CAGR %	0.15	-3.77	-24	-4.4	35.69
Provision For Loan Losses, 2 Yr. CAGR %	-4.12	-29.21	4.13	-7.9	8.09
Total Revenues, 2 Yr. CAGR %	-1.06	14.94	11.31	9.66	7.56
Earnings From Cont. Operations, 2 Yr. CAGR %	-29.14	-30.59	150.44	42.91	13.64
Net Income, 2 Yr. CAGR %	-14.27	-29.29	127.42	36.58	8.64
Normalized Net Income, 2 Yr. CAGR %	17.93	200.87	50.86	28.05	10.92
Diluted EPS Before Extra, 2 Yr. CAGR %	-30.65	-35.01	165.28	44.5	12.35
Dividend Per Share, 2 Yr. CAGR %	-	-	-	80.28	77.28
Gross Loans, 2 Yr. CAGR %	1.09	1.65	0.89	2.12	4.92
Allowance For Loan Losses, 2 Yr. CAGR %	15.76	0	16.99	1.74	-2.52
Net Loans, 2 Yr. CAGR %	0.96	1.67	0.71	2.12	5.03
Non Performing Loans, 2 Yr. CAGR %	5.43	8.11	6.73	-1.77	11.83
Non Performing Assets, 2 Yr. CAGR %	5.43	8.11	6.73	-1.77	11.83
Total Assets, 2 Yr. CAGR %	1.03	-2.92	5.19	7.78	6.82
Total Deposits, 2 Yr CAGR %	3.46	-0.06	7.98	7.78	5.69
Tangible Book Value, 2 Yr. CAGR %	2.75	5.04	5.28	6.61	2.22
Common Equity, 2 Yr. CAGR %	-0.61	4.56	5.3	7.11	2.83
Total Equity, 2 Yr. CAGR %	-1.11	4	5.2	7.45	3.51
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	0.6	8.34	18.76	19.81	8.34
Non Interest Income, 3 Yr. CAGR %	-1.77	-6.21	-13.43	-9.01	8.86
Provision For Loan Losses, 3 Yr. CAGR %	8.52	12.21	-29.29	9.24	-6.24
Total Revenues, 3 Yr. CAGR %	-0.98	1.93	14.76	9.21	9.79
Earnings From Cont. Operations, 3 Yr. CAGR %	-28.7	25.6	-8.51	100.49	27.08
Net Income, 3 Yr. CAGR %	-20.69	34.86	-8.15	83.96	22.3
Normalized Net Income, 3 Yr. CAGR %	12.11	25.8	143.25	32.9	25.06
Diluted EPS Before Extra, 3 Yr. CAGR %	-30.72	27.34	-11.54	107.73	27.43
Dividend Per Share, 3 Yr. CAGR %	-	-	-	-	76.52
Gross Loans, 3 Yr. CAGR %	2.44	1.04	1.38	1.8	3.47
Allowance For Loan Losses, 3 Yr. CAGR %	10.74	12.96	8.36	10.29	0.12
Net Loans, 3 Yr. CAGR %	2.37	0.93	1.3	1.7	3.51
Non Performing Loans, 3 Yr. CAGR %	3.28	14.46	-0.43	9.18	1.83
Non Performing Assets, 3 Yr. CAGR %	3.28	14.46	-0.43	9.18	1.83
Total Assets, 3 Yr. CAGR %	0.76	1	0.69	5.87	7.32
Total Deposits, 3 Yr CAGR %	2.97	4.34	3.15	7.23	7.06
Tangible Book Value, 3 Yr. CAGR %	3.4	3.18	5.53	5.79	3.59
Common Equity, 3 Yr. CAGR %	0.74	0.92	5.23	6.11	4.03
Total Equity, 3 Yr. CAGR %	0.47	0.44	4.93	6.19	4.56
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	2.38	8.08	11.91	10.41	10.49
Non Interest Income, 5 Yr. CAGR %	-6.64	-7.77	-11.39	-5.49	3.62
Provision For Loan Losses, 5 Yr. CAGR %	-8.73	2.32	6.74	3.69	-16.21
Total Revenues, 5 Yr. CAGR %	-1.55	1.13	3.74	4.95	11.82
Earnings From Cont. Operations, 5 Yr. CAGR %	-1.57	61.7	17.85	32.26	-0.22
Net Income, 5 Yr. CAGR %	9.04	62.15	20.87	35.55	-1.77
Normalized Net Income, 5 Yr. CAGR %	4.11	16.35	26.25	26.7	77.67
Diluted EPS Before Extra, 5 Yr. CAGR %	0.78	107.97	18.54	33.94	-2.66
Dividend Per Share, 5 Yr. CAGR %	-	-	11.84	-	-
Gross Loans, 5 Yr. CAGR %	-0.47	2.95	1.82	1.51	2.79
Allowance For Loan Losses, 5 Yr. CAGR %	-5.37	7.51	13.2	12.45	3.87
Net Loans, 5 Yr. CAGR %	-0.4	2.9	1.7	1.4	2.77
Non Performing Loans, 5 Yr. CAGR %	-9.7	-	4.65	7.67	4.3
Non Performing Assets, 5 Yr. CAGR %	-9.7	-	4.65	7.67	4.3
Total Assets, 5 Yr. CAGR %	-0.31	1.14	2.26	3.66	3.1
Total Deposits, 5 Yr CAGR %	2.23	-	4.94	5.7	4.16
Tangible Book Value, 5 Yr. CAGR %	1.6	3.33	4.15	4.56	4.19
Common Equity, 5 Yr. CAGR %	0.21	1.63	2.54	3.37	4.26
Total Equity, 5 Yr. CAGR %	0.17	1.41	2.33	3.21	4.36