DJ SREP capital requirements for Commerzbank reduced for 2026 - distance to MDA threshold remains comfortable
Commerzbank Aktiengesellschaft (CZB) SREP capital requirements for Commerzbank reduced for 2026 - distance to MDA threshold remains comfortable 30-Oct-2025 / 15:53 CET/CEST The issuer is solely responsible for the content of this announcement. =---------------------------------------------------------------------------------------------------------------------- 30 October 2025
SREP capital requirements for Commerzbank reduced for 2026 - distance to MDA threshold remains comfortable
-- Pillar 2 capital requirement (P2R) reduced by 10 basis points to 2.15% -- Additional own funds requirement for leverage ratio (SREP P2R-LR) remains unchanged at 0.1% -- Maximum Distributable Amount (MDA) threshold for Common Equity Tier 1 pro forma at 10.13% of risk-weighted assets
(RWA) -- CEO Bettina Orlopp: "The reduction in our capital requirements reflects the confidence of the supervisory
authorities in our business model and growth path."
In the annual Supervisory Review and Evaluation Process (SREP) the European Central Bank (ECB) has determined the bank-specific capital requirements for the Commerzbank Group in 2026. The additional own funds requirement for Pillar 2 (P2R) has been reduced by 10 basis points to 2.15% of total capital. Of which at least 1.21% must be covered with Common Equity Tier 1 (CET1) capital. The SREP decision will replace the previous one, with effect from 1 January 2026.
As of 30 June 2025, the pro forma CET1 requirement for the Commerzbank on Group level amounts to 10.13% of risk-weighted assets (MDA threshold) when applying the new SREP decision. The requirement consists of: the CET1 minimum requirement of 4.5%, the P2R of 1.21%, the capital conservation buffer of 2.5% and the capital buffer for otherwise systemically important institutions of 1.25%, as well as the countercyclical capital buffer of currently 0.62% and the sectoral systemic risk buffer of currently 0.05%.
Furthermore, the requirement to maintain additional own funds for the leverage ratio (Pillar 2 requirement for the risk of excessive leverage - P2R-LR), which was introduced in 2023, remains unchanged at 0.1%. The resulting leverage ratio requirement of 3.1% is met by a leverage ratio of 4.3% as of June 2025.
"The reduction in our capital requirements reflects the confidence of the supervisory authorities in our business model and growth path. With a CET1 ratio of 14.56% as of the end of June 2025, we are well above the MDA threshold. We continue to have a comfortable buffer to consistently invest in our business model and maintain an attractive capital return to our shareholders, allowing them to directly participate in Commerzbank's success," said Bettina Orlopp, CEO of Commerzbank. As part of its strategic plans until 2028, Commerzbank aims for a CET1 ratio of 13.5%.
Press contact
Kathrin Jones +49 69 9353-45687
Investors' contact
Ute Sandner +49 69 9353-47708
Ansgar Herkert +49 69 9353-47706
About Commerzbank
With its two business segments - Corporate Clients and Private and Small-Business Customers -, Commerzbank, as a full-service bank, offers a comprehensive portfolio of financial services. It is the leading bank in the Corporate Clients Business in Germany and for the German Mittelstand and a strong partner for around 24,000 corporate client groups. Commerzbank transacts approximately 30% of Germany's foreign trade financing. The Bank is present internationally in more than 40 countries in the corporate clients' business - wherever its Mittelstand clients, large corporates, and institutional clients need it. In addition, Commerzbank supports its international clients with a business relationship to Germany, Austria, or Switzerland and companies operating in selected future-oriented industries. With more than EUR400bn assets under management, Commerzbank is also one of the leading banks for private and small-business customers in Germany. Under the brand Commerzbank, it offers a wide range of products and services with an omni-channel approach: online and mobile, via phone or video in the remote advisory centre, and personally in its around 400 branches. Under the brand comdirect, it offers all core services as a digital primary bank 24/7 and, as a performance broker, solutions for saving, investing, and securities trading. Its Polish subsidiary mBank S.A. is an innovative digital bank that serves approximately 5.8 million private and corporate customers, predominantly in Poland, as well as in the Czech Republic and Slovakia.
Disclaimer
This release contains forward-looking statements. Forward-looking statements are statements that are not historical facts. In this release, these statements concern inter alia the expected future business of Commerzbank, efficiency gains and expected synergies, expected growth prospects and other opportunities for an increase in value of Commerzbank as well as expected future financial results, restructuring costs and other financial developments and information. These forward-looking statements are based on the management's current plans, expectations, estimates and projections. They are subject to a number of assumptions and involve known and unknown risks, uncertainties and other factors that may cause actual results and developments to differ materially from any future results and developments expressed or implied by such forward-looking statements. Such factors include, amongst others, the conditions in the financial markets in Germany, in Europe, in the USA and other regions from which Commerzbank derives a substantial portion of its revenues and in which Commerzbank holds a substantial portion of its assets, the development of asset prices and market volatility, especially due to the ongoing European debt crisis, potential defaults of borrowers or trading counterparties, the implementation of its strategic initiatives to improve its business model, the reliability of its risk management policies, procedures and methods, risks arising as a result of regulatory change and other risks. Forward-looking statements therefore speak only as of the date they are made. Commerzbank has no obligation to update or release any revisions to the forward-looking statements contained in this release to reflect events or circumstances after the date of this release.
-----------------------------------------------------------------------------------------------------------------------
Dissemination of a Regulatory Announcement, transmitted by EQS Group. The issuer is solely responsible for the content of this announcement.
-----------------------------------------------------------------------------------------------------------------------
ISIN: DE000CBK1001 Category Code: MSCM TIDM: CZB LEI Code: 851WYGNLUQLFZBSYGB56 Sequence No.: 406738 EQS News ID: 2221448 End of Announcement EQS News Service =------------------------------------------------------------------------------------
Image link: https://eqs-cockpit.com/cgi-bin/fncls.ssp?fn=show_t_gif&application_id=2221448&application_name=news&site_id=dow_jones%7e%7e%7ebed8b539-0373-42bd-8d0e-f3efeec9bbed
(END) Dow Jones Newswires
October 30, 2025 10:54 ET (14:54 GMT)