3Q25 & 9M25 - Group Results - Infographic (ENG)

Main Title: 3Q25 & 9M25 Group Results

Subtitle: Unlocking Acceleration

Record 3Q completes our best 9M ever

Further reinforcing our unique equity story

Section 1

Title: Strengthening our best-in-class earnings and distribution trajectory

Best-in-class FY25 Shareholder Remuneration

●        c.10.5bn FY25 Net Profit - Excluding potential management actions to benefit FY26/27 onwards   

●       ≥9.5bn FY25 Dividend + SBB, of which ≥4.75bn Dividend

●       Interim Dividend of 2.2bn to be paid on 26th November

Deployed 6.5bn^[1] of our excess capital through share buy-out

• Securing structurally higher Net Profit through the cycle, further widening the gap versus peers in a dispersion scenario
• Propelling higher, sustainable dividend and SBB, with less reliance on excess capital
• EPS, DPS and RoTE trajectories at the top of peer group: a strengthened equity story not yet reflected in our valuation

Section 2

Title: Accelerating the execution of our winning strategy

A pan-European Leader

Federation of 13 leading banks plus Alpha

Connecting >20m clients^[2]

Unique gateway to Europe

Benchmark for banking

Phase I: Unlock Trapped Potential (2021-2024)

Transforming our Operating Machine, while rebuilding and empowering our Commercial Machine

UNIFY AND EMPOWER

Embed common Purpose and shared Culture of trust, ownership, excellence

SIMPLIFY AND INVEST

Streamlining processes, financing growth, talent and innovation

SCALE

Group partnerships, tech&data, products, procurement, talent development

Phase II: Unlock Acceleration (2025-2027)

Boosting our Commercial Machine, while improving our Operating Machine

Clients

Strengthening high-value client segments

Maintaining discipline throughout

Geographies 

Capital and investments redirected to most attractive areas

Poland re-entry

Alpha Bank Romania fully integrated

Products

Further build out factories and enhance connection with distributing banks

Channels

Continue to move towards an omnichannel offering

Digital & Data

Self-financing investment in Innovation

Technology, data and AI at scale

People

Empower and develop leading talent

3,100 hirings

>1k data and AI talents

1.6M hours training

Section 3

Title: Record 3Q results completes our best 9M ever

Text: 19 consecutive quarters of positive quality growth.

Quality growth

●       Resilient Net Revenue

Operational & Capital Excellence

●       36.8% Cost / Income

●       8.6% Net Revenue/ RWA

Best-in-class Profitability

●       8.7bn Net Profit (+12.9% 9M/9M)

●       21.7% RoTE (+2.0pp 9M/9M)

Boosted Per Share Performance

●       +20% EPS

●       +31% DPS^[3]

●       +18% TBVPS^[4]

Solid, stable, covered Asset quality

●       1.4% Net NPE

●       10bps Cost of Risk

●       1.7bn Overlays^[5]

Strong Capital and Liquidity

●       14.8% CET1 ratio

●       7.9bn OCG

●       >140% LCR

On track to deliver our Best Year Ever, with all regions contributing.

Table:

[1] Capital consumption considering c.29% of Commerzbank and c.26% of Alpha Bank

[2] UC clients c.17.5m (o/w 15m active) and Alpha clients 3.7m

[3] Accrued quarterly dividends on outstanding dividend eligible shares at the end of the quarter

[4] Including FY24 interim dividend paid in November 2024 of €0.93 and FY24 final dividend paid in February 2025 of €1.48, or +11% Y/Y without  

[5] Including calibration factor   

[6] Annualised ratio between (i) Net Profit after ATI/cashes minus excess capital charge and (ii) allocated capital.

[7] Excluding profit on Investments from Life Insurance internalization (RoAC 38.9% and OCG 4.0 including)