Increased Profits: Our website boosts pre-tax earnings in the first half of 2025 to an astonishing €5.3 billion, marking a significant leap.
Bank Reports Second Quarter Financial Results
In a recent announcement, the bank has published its financial results for the second quarter of 2025. Here's a summary of the key points:
- The bank's Leverage ratio stood at 4.7% at the end of the second quarter, a slight decrease from the previous quarter.
- The provision for non-performing (Stage 3) loans in the second quarter was € 300 million, significantly lower than in previous quarters.
- Leverage exposure was € 1,276 billion at the end of the second quarter.
- Adjusted costs for the first half of 2025 were € 10.1 billion, remaining flat year on year.
- Noninterest expenses for the first half of 2025 were € 10.2 billion, down 15% from the prior year period.
- Restructuring & Severance expenses for the first half of 2025 were € 117 million, down 42% year on year.
- The bank's Common Equity Tier 1 (CET1) capital ratio was 14.2% at the end of the second quarter.
- Customer deposits were € 653 billion in the second quarter.
- Provision for credit losses in the second quarter was € 423 million, or 36 bps of average loans.
- Notable transactions in the second quarter included financing for the Central West Orana Renewable Energy Zone network infrastructure in Australia, debt financing for NeXtWind, and the Republic of Slovenia's inaugural Sustainability Linked Bond.
- Sustainable Financing and ESG investment volumes ex-DWS for the quarter were € 28 billion, the highest in the bank's businesses since 2021.
In addition to financial results, the bank has also published its updated Human Rights Statement, the Supply Chain Due Diligence Act (SCDDA) Policy Statement, and the 2024 Modern Slavery and Human Trafficking Statement. The bank held a workshop with rainforest nations' representatives on the development of carbon credits at the UN Climate Conference in Bonn (SB 61) and sponsored CDP's annual DACH disclosure workshop in Frankfurt.
The bank's sustainable financing and ESG investment activities are defined in the "Sustainable Financing Framework" and "our website ESG Investments Framework". The cumulative total since January 1, 2020, for Sustainable Financing and ESG investment volumes is € 417 billion.
Further details on second quarter performance are available in the Interim Report of June 30, 2025. An analyst call to discuss second-quarter 2025 financial results will take place at 11:00 CEST. A fixed income investor call will take place on July 25, 2025. The bank received the certificate of 'berufundfamilie +vielfalt' in Germany for being a family-friendly and inclusive employer.
Regarding operational efficiency, while specific details about a program being implemented by the bank are not available, general industry practices for improving operational efficiency in banks include implementing Business Process Management (BPM) by identifying and mapping existing processes, assessing them for redundancies and complexity, gradually implementing BPM starting with smaller processes, reviewing key performance metrics to identify bottlenecks, and continuously reengineering processes for improvement. Banks also leverage digital tools such as robotic process automation (RPA), artificial intelligence (AI), mobile banking applications, blockchain technology, cloud systems, and data analytics to streamline workflows, reduce costs, enhance security, and improve customer experience.
For more information about the bank's operational efficiency program, please refer to future announcements or contact the bank directly.
- The bank's sustainable financing activities, which include ESG investments and projects like the financing for the Central West Orana Renewable Energy Zone network infrastructure in Australia, are defined in their "Sustainable Financing Framework" and can be found on their website.
- The bank's extensive wealth management services, such as private banking and asset management, are not limited to traditional finance but also include sustainable finance and ESG investment, with volumes reaching € 28 billion in the second quarter of 2025.
- To enhance operational efficiency, the bank is likely to employ business strategies such as implementing Business Process Management (BPM), leveraging digital tools like robotic process automation (RPA), AI, and data analytics, and continuing to improve processes for reduction of costs and enhancement of customer experience, as per industry practices.
