v3.25.4
Business Segments and Related Information - Corporate Divisions - Corporate Bank (Detail)
€ in Millions
 12 Months Ended
Dec. 31, 2025
EUR (€)
employee
Dec. 31, 2024
EUR (€)
employee
Dec. 31, 2023
EUR (€)
employee
Net revenues      
Total net revenues [1] € 31,434 € 31,504 € 31,155
Of which:      
Provision for credit losses 1,707 1,830 1,505
Noninterest expenses      
Compensation and benefits 11,813 11,731 11,131
General and administrative expenses 8,860 11,243 10,112
Impairment of goodwill and other intangible assets 0 0 233
Restructuring activities (15) (3) 220
Total noninterest expenses 20,658 22,971 21,695
Noncontrolling interests 0 0 0
Profit (loss) before income taxes € 9,069 € 6,703 € 7,955
Employees (full-time equivalent) | employee 89,879 89,753 90,130
Assets € 1,440,000 € 1,391,000 € 1,317,000
of which: operational risk RWA 63,000 [2] 58,000 [3] 57,000 [4]
Deposits 695,000 668,000 625,000
Loans (gross of allowance for loan losses) € 484,000 € 490,000 € 485,000
Cost/income ratio 65.70% [5] 72.90% [6] 69.60% [7]
Corporate Bank      
Net revenues      
Corporate Treasury Services [8] € 4,220 € 4,197 € 4,381
Institutional Client Services 1,917 1,956 1,895
Business Banking [8] 1,263 1,352 1,442
Total net revenues 7,400 7,506 7,718
Of which:      
Net interest income [9] 4,567 4,987 5,241
Commissions and Fee Income [9] 2,704 2,577 2,460
Remaining Income [9] 129 (58) 18
Provision for credit losses 194 347 266
Noninterest expenses      
Compensation and benefits 1,632 1,611 1,539
General and administrative expenses 2,971 3,448 3,088
Impairment of goodwill and other intangible assets 0 0 0
Restructuring activities 0 (1) (4)
Total noninterest expenses 4,603 5,058 4,623
Noncontrolling interests 0 0 0
Profit (loss) before income taxes € 2,603 € 2,101 € 2,828
Employees (front office full time equivalent) | employee [10] 8,420 7,959 7,670
Employees (business aligned operations full time equivalent) | employee [10] 8,181 8,171 8,017
Employees (allocated central infrastructure, full-time equivalent) | employee [10] 10,719 10,150 9,669
Employees (full-time equivalent) | employee [10] 27,320 26,280 25,356
Assets [10],[11] € 323,000 € 280,000 € 264,000
Risk-weighted assets [10] 72,000 78,000 69,000
of which: operational risk RWA [10],[12] 11,000 [2] 11,000 [3] 6,000 [4]
Leverage exposure [10] 358,000 339,000 307,000
Deposits [10] 329,000 313,000 289,000
Loans (gross of allowance for loan losses) [10] € 120,000 € 117,000 € 117,000
Cost/income ratio [13] 62.20% [5] 67.40% [6] 59.90%
Post-tax return on average shareholders equity [14],[15] 14.10% 11.90% 17.10%
Post-tax return on average tangible shareholders' equity [14],[15] 15.30% 12.70% 18.50%
[1] Consolidated net revenues comprise interest and similar income, interest expenses and total noninterest income (including net commission and fee income); revenues are
attributed to countries based on the location in which the Group’s booking office is located; the location of a transaction on the Group’s books is sometimes different
from the location of the headquarters or other offices of a customer and different from the location of the Group’s personnel who entered into or facilitated the
transaction; where the Group records a transaction involving its staff and customers and other third parties in different locations frequently depends on other
considerations, such as the nature of the transaction, regulatory considerations and transaction processing considerations
[2] 4 Starting from the first quarter of 2024, the allocation of operational risk RWA has changed. For more information, please refer to section “Note 04 - Business segments
and related information” of this report
[3] Starting from the first quarter of 2024, the allocation of operational risk RWA has changed. Prior periods have been updated accordingly. For more information, please
refer to section “Note 04 - Business segments and related information” of this report
[4] Starting from the first quarter of 2024, the allocation of operational risk RWA has changed. Prior periods have been updated accordingly. For more information, please
refer to section “Note 04 - Business segments and related information” of this report
[5] 7Noninterest expenses as a percentage of total net revenues, which are defined as net interest income before provision for credit losses plus noninterest income
[6] 6Noninterest expenses as a percentage of total net revenues, which are defined as net interest income before provision for credit losses plus noninterest income
[7] Noninterest expenses as a percentage of total net revenues, which are defined as net interest income before provision for credit losses plus noninterest income
[8] Starting from the first quarter of 2025, certain smaller non-complex clients previously recorded under Corporate Treasury Services are reported under Business Banking.
The reclassification follows a review and realignment of client coverage to provide clients with the most effective coverage within the Corporate Bank. Prior year’s
comparatives are presented in the current reporting structure
[9] Starting from the first quarter of 2025, the representation of revenue sharing between Corporate Bank and Investment Bank has changed. For more information, please
refer to section “Note 04 - Business segments and related information” of this report
[10] As of year-end
[11] Segment assets are presented on a consolidated basis, i.e., the amounts do not include intersegment balances
[12] Starting from the first quarter of 2024, the allocation of operational risk RWA has changed. For more information, please refer to section “Note 04 - Business segments
and related information” of this report
[13] Noninterest expenses as a percentage of total net revenues, which are defined as net interest income before provision for credit losses plus noninterest income
[14] For the post-tax return on average shareholders’ equity and average tangible shareholders’ equity of the segments, the Group effective tax rate was adjusted to exclude
the impact of permanent differences not attributed to the segments, so that the segment tax rates were 28% for the years 2025, 2024 and 2023; for further information,
please refer to “Supplementary Information (Unaudited): Non-GAAP Financial Measures” of this report
[15] Starting from the first quarter of 2024, the equity allocation framework has been updated. For more information, please refer to section “Note 04 - Business segments and
related information” of this report