<p>德国贷款机构德意志商业银行（Commerzbank AG，CRZBY.PK）周四报告称，第三季度利润下降，主要由于净利息收入略显疲软，但收入高于去年。此外，该公司维持了 2025 财年的利润预期，并上调了净利息收入的预测。</p>
<p>该公司补充称，已向欧洲中央银行和德国财政局申请进一步回购最多 6 亿欧元的股票。</p>
<p>为新推出的员工持股计划单独计划的股票回购将在第四季度实施。</p>
<p>首席财务官卡斯滕·施密特（Carsten Schmitt）表示：“强劲的 9 个月业绩反映了我们收入的增长，主要得益于两个客户群体的净佣金收入的扩大。基于此，我们确认 2025 年的利润目标，并有信心实现略高于预期的净利息收入。”</p>
<p>展望 2025 财年，该公司继续预计在重组费用之前的净结果约为 29 亿欧元。按报告基准，银行预计净结果约为 25 亿欧元。</p>
<p>该展望仍然受到俄罗斯局势的发展以及 mBank 外币贷款相关负担的影响。</p>
<p>此外，银行现在预计全年净利息收入将高于夏季的预期。现在预计净利息收入约为 82 亿欧元，而之前预计约为 80 亿欧元。</p>
<p>德意志商业银行预计净佣金收入将增长约 7%。</p>
<p>德意志商业银行还表示，由于净利息收入的增加以及宏观经济环境的顺风，预计 2026 财年将非常乐观。</p>
<p>通过其 “动量” 战略，德意志商业银行设定了到 2028 年的雄心勃勃的目标，包括 50% 的成本收入比、15% 的有形股本净回报率（Net RoTE）和 100% 的净结果分配比。</p>
<p>在第三季度，合并净结果较去年下降 7.9%，降至 5.91 亿欧元，而去年为 6.42 亿欧元。</p>
<p>然而，营业结果同比增长 18.1%，从去年的 8.86 亿欧元增至 10.5 亿欧元。</p>
<p>总收入同比增长 7.4%，从去年的 27.4 亿欧元增至 29.39 亿欧元。剔除特殊项目后的收入增长 6.8%，达到 29.4 亿欧元。</p>
<p>净利息收入同比微降 0.2%，降至 20.44 亿欧元，而净佣金收入增长 6.5%，达到 9.85 亿欧元，所有客户群体均实现增长。</p>
<p>有关更多盈利新闻、盈利日历和股票盈利信息，请访问 rttnews.com。</p>
<p>如有意见和反馈，请联系：editorial@rttnews.com</p>
<p>商业新闻</p>

<p>德意志商业银行（Commerzbank AG）报告称，尽管总收入增长了 7.4%，达到 29.39 亿欧元，但第三季度利润下降了 7.9%，降至 5.91 亿欧元。该银行维持了 2025 财年的利润预期，约为 29 亿欧元，并将净利息收入预测上调至约 82 亿欧元。首席财务官卡斯滕·施密特（Carsten Schmitt）对实现更高的净利息收入表示信心，认为这将得益于净佣金收入的增长。德意志商业银行的 “动能” 战略旨在到 2028 年实现 50% 的成本收入比和 15% 的有形股本净回报率</p>

<p>German lender Commerzbank AG (CRZBY.PK) reported Thursday lower profit in its third quarter amid slightly weak net interest income, while revenues were higher than last year. Further, the company maintained fiscal 2025 profit view, and raised net interest income forecast.</p>
<div class="lb-trans"><p>德国贷款机构德意志商业银行（Commerzbank AG，CRZBY.PK）周四报告称，第三季度利润下降，主要由于净利息收入略显疲软，但收入高于去年。此外，该公司维持了 2025 财年的利润预期，并上调了净利息收入的预测。</p>
</div><p>The company added that it has applied for a further buyback of up to 600 million euros to ECB and German Finance Agency.</p>
<div class="lb-trans"><p>该公司补充称，已向欧洲中央银行和德国财政局申请进一步回购最多 6 亿欧元的股票。</p>
</div><p>The separately planned buyback of own shares for the newly launched employee share programme will be implemented in the fourth quarter.</p>
<div class="lb-trans"><p>为新推出的员工持股计划单独计划的股票回购将在第四季度实施。</p>
</div><p>CFO Carsten Schmitt said, &#34;The strong 9-month-result reflects the growth of our revenues, driven by the expansion of net commission income in both customer segments.. Based on this, we confirm our profit target for 2025 and are confident to even achieve a slightly higher net interest income.&#34;</p>
<div class="lb-trans"><p>首席财务官卡斯滕·施密特（Carsten Schmitt）表示：“强劲的 9 个月业绩反映了我们收入的增长，主要得益于两个客户群体的净佣金收入的扩大。基于此，我们确认 2025 年的利润目标，并有信心实现略高于预期的净利息收入。”</p>
</div><p>Looking ahead for fiscal 2025, the company continues to expect a net result of around 2.9 billion euros before restructuring expenses. On a reported basis, the Bank anticipates a net result of around 2.5 billion euros.</p>
<div class="lb-trans"><p>展望 2025 财年，该公司继续预计在重组费用之前的净结果约为 29 亿欧元。按报告基准，银行预计净结果约为 25 亿欧元。</p>
</div><p>The outlook remains subject to the development in Russia and burdens related to foreign currency loans at mBank.</p>
<div class="lb-trans"><p>该展望仍然受到俄罗斯局势的发展以及 mBank 外币贷款相关负担的影响。</p>
</div><p>Further, the Bank now forecasts a higher net interest income for the full year than anticipated in the summer. It now expects a net interest income of around 8.2 billion euros, compared to previously expected around 8.0 billion euros.</p>
<div class="lb-trans"><p>此外，银行现在预计全年净利息收入将高于夏季的预期。现在预计净利息收入约为 82 亿欧元，而之前预计约为 80 亿欧元。</p>
</div><p>Commerzbank anticipates an increase in net commission income of around 7 percent.</p>
<div class="lb-trans"><p>德意志商业银行预计净佣金收入将增长约 7%。</p>
</div><p>Commerzbank added that it is taking a very positive view of the financial year 2026 due to higher net interest income and tailwinds based on the macroeconomic environment.</p>
<div class="lb-trans"><p>德意志商业银行还表示，由于净利息收入的增加以及宏观经济环境的顺风，预计 2026 财年将非常乐观。</p>
</div><p>With its 'Momentum' strategy, Commerzbank has set ambitious targets for 2028 with a cost-income ratio of 50 percent, a net return on tangible equity (Net RoTE) of 15 percent, and a payout ratio of 100 percent of the net result.</p>
<div class="lb-trans"><p>通过其 “动量” 战略，德意志商业银行设定了到 2028 年的雄心勃勃的目标，包括 50% 的成本收入比、15% 的有形股本净回报率（Net RoTE）和 100% 的净结果分配比。</p>
</div><p>In the third quarter, consolidated net result declined 7.9 percent to 591 million euros from last year's 642 million euros.</p>
<div class="lb-trans"><p>在第三季度，合并净结果较去年下降 7.9%，降至 5.91 亿欧元，而去年为 6.42 亿欧元。</p>
</div><p>Operating result, however, climbed 18.1 percent to 1.05 billion euros from 886 million euros a year ago.</p>
<div class="lb-trans"><p>然而，营业结果同比增长 18.1%，从去年的 8.86 亿欧元增至 10.5 亿欧元。</p>
</div><p>Total revenues grew 7.4 percent to 2.939 billion euros from 2.74 billion euros in the prior year. Revenues excluding exceptional items increased 6.8 percent to 2.940 billion euros.</p>
<div class="lb-trans"><p>总收入同比增长 7.4%，从去年的 27.4 亿欧元增至 29.39 亿欧元。剔除特殊项目后的收入增长 6.8%，达到 29.4 亿欧元。</p>
</div><p>Net interest income edged down 0.2 percent year-over-year to 2.044 billion euros, while net commission income grew 6.5 percent to 985 million euros with growth across all customer segments.</p>
<div class="lb-trans"><p>净利息收入同比微降 0.2%，降至 20.44 亿欧元，而净佣金收入增长 6.5%，达到 9.85 亿欧元，所有客户群体均实现增长。</p>
</div><p>For more earnings news, earnings calendar, and earnings for stocks, visit rttnews.com.</p>
<div class="lb-trans"><p>有关更多盈利新闻、盈利日历和股票盈利信息，请访问 rttnews.com。</p>
</div><p>For comments and feedback contact: editorial@rttnews.com</p>
<div class="lb-trans"><p>如有意见和反馈，请联系：editorial@rttnews.com</p>
</div><p>Business News</p>
<div class="lb-trans"><p>商业新闻</p>
</div>

德国商业银行 9 个月的利润下降，但收入增加；维持 2025 财年的利润预期，并上调净利息收入的展望