Commerzbank AG (CBK) - Net Assets

Latest as of September 2025: €31.82 Billion EUR ≈ $37.20 Billion USD

Based on the latest financial reports, Commerzbank AG (CBK) has net assets worth €31.82 Billion EUR (≈ $37.20 Billion USD) as of September 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€592.95 Billion ≈ $693.22 Billion USD) and total liabilities (€561.14 Billion ≈ $656.03 Billion USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.

Key Net Assets Metrics

Metric	Value
Current Net Assets	€31.82 Billion
% of Total Assets	5.37%
Annual Growth Rate	4.52%
5-Year Change	23.69%
10-Year Change	17.46%
Growth Volatility	13.25

Commerzbank AG - Net Assets Trend (1999–2024)

This chart illustrates how Commerzbank AG's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.

Annual Net Assets for Commerzbank AG (1999–2024)

The table below shows the annual net assets of Commerzbank AG from 1999 to 2024.

Year	Net Assets	Change
2024-12-31	€35.72 Billion ≈ $41.76 Billion	+8.21%
2023-12-31	€33.01 Billion ≈ $38.59 Billion	+6.67%
2022-12-31	€30.94 Billion ≈ $36.18 Billion	+3.75%
2021-12-31	€29.83 Billion ≈ $34.87 Billion	+3.29%
2020-12-31	€28.88 Billion ≈ $33.76 Billion	-5.84%
2019-12-31	€30.67 Billion ≈ $35.85 Billion	+4.27%
2018-12-31	€29.41 Billion ≈ $34.38 Billion	-2.09%
2017-12-31	€30.04 Billion ≈ $35.12 Billion	+1.35%
2016-12-31	€29.64 Billion ≈ $34.65 Billion	-2.52%
2015-12-31	€30.41 Billion ≈ $35.55 Billion	+12.79%
2014-12-31	€26.96 Billion ≈ $31.52 Billion	+0.09%
2013-12-31	€26.94 Billion ≈ $31.49 Billion	-0.36%
2012-12-31	€27.03 Billion ≈ $31.61 Billion	+8.99%
2011-12-31	€24.80 Billion ≈ $29.00 Billion	-13.45%
2010-12-31	€28.66 Billion ≈ $33.50 Billion	+7.83%
2009-12-31	€26.58 Billion ≈ $31.07 Billion	+33.52%
2008-12-31	€19.90 Billion ≈ $23.27 Billion	+23.38%
2007-12-31	€16.13 Billion ≈ $18.86 Billion	+5.36%
2006-12-31	€15.31 Billion ≈ $17.90 Billion	+20.53%
2005-12-31	€12.70 Billion ≈ $14.85 Billion	+29.61%
2004-12-31	€9.80 Billion ≈ $11.46 Billion	+7.81%
2003-12-31	€9.09 Billion ≈ $10.63 Billion	+3.21%
2002-12-31	€8.81 Billion ≈ $10.30 Billion	-32.78%
2001-12-31	€13.10 Billion ≈ $15.32 Billion	-4.74%
2000-12-31	€13.76 Billion ≈ $16.08 Billion	+16.32%
1999-12-31	€11.83 Billion ≈ $13.83 Billion	--

Equity Component Analysis

This analysis shows how different components contribute to Commerzbank AG's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.

Equity Composition Insights

Retained earnings have grown by 374.4% over the analyzed period, indicating profitable operations and earnings retention.

Current Equity Component Breakdown (December 2024)

Component	Amount	Percentage
Retained Earnings	€19.00 Billion	55.12%
Common Stock	€1.15 Billion	3.35%
Other Comprehensive Income	€14.31 Billion	41.53%
Total Equity	€34.47 Billion	100.00%

Commerzbank AG Competitors by Market Cap

The table below lists competitors of Commerzbank AG ranked by their market capitalization.

Company	Market Cap
PG&E Corp NYSE:PCG	$36.51 Billion
Woodside Energy Group Ltd NYSE:WDS	$36.54 Billion
EQT Corporation NYSE:EQT	$36.63 Billion
Sysco Corporation NYSE:SYY	$36.67 Billion
Asia Vital Components Co Ltd TW:3017	$36.25 Billion
WuXi AppTec Co Ltd SHG:603259	$36.22 Billion
Crown Castle NYSE:CCI	$36.18 Billion
Naspers Limited F:NNWN	$36.18 Billion

Equity Growth Attribution

This analysis shows how different factors contributed to changes in Commerzbank AG's equity between the two most recent reporting periods.

Equity Growth Insights

From 2023 to 2024, total equity changed from 31,992,000,000 to 34,468,000,000, a change of 2,476,000,000 (7.7%).
Net income of 2,677,000,000 contributed positively to equity growth.
Dividend payments of 627,000,000 reduced retained earnings.
Share repurchases of 1,072,000,000 reduced equity.
Other comprehensive income increased equity by 1,588,000,000.

Equity Change Factors (2023 to 2024)

Factor	Impact	Contribution
Net Income	€2.68 Billion	+7.77%
Dividends Paid	€627.00 Million	-1.82%
Share Repurchases	€1.07 Billion	-3.11%
Other Comprehensive Income	€1.59 Billion	+4.61%
Other Changes	€-90.00 Million	-0.26%
Total Change	€-	7.74%

Book Value vs Market Value Analysis

This analysis compares Commerzbank AG's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.

Valuation Insights

Current price-to-book ratio: 1.17x
The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
The price-to-book ratio has increased from 0.19x to 1.17x over the analyzed period, suggesting growing market confidence.

Historical Price-to-Book Ratios

Date	Book Value per Share	Market Price	P/B Ratio
1999-12-31	€179.35	€33.94	x
2000-12-31	€193.68	€33.94	x
2001-12-31	€175.55	€33.94	x
2002-12-31	€113.64	€33.94	x
2003-12-31	€115.92	€33.94	x
2004-12-31	€115.23	€33.94	x
2005-12-31	€155.99	€33.94	x
2006-12-31	€174.15	€33.94	x
2007-12-31	€184.71	€33.94	x
2008-12-31	€227.82	€33.94	x
2009-12-31	€201.97	€33.94	x
2010-12-31	€189.52	€33.94	x
2011-12-31	€46.60	€33.94	x
2012-12-31	€46.62	€33.94	x
2013-12-31	€28.45	€33.94	x
2014-12-31	€22.88	€33.94	x
2015-12-31	€24.33	€33.94	x
2016-12-31	€22.85	€33.94	x
2017-12-31	€23.06	€33.94	x
2018-12-31	€22.53	€33.94	x
2019-12-31	€23.45	€33.94	x
2020-12-31	€21.94	€33.94	x
2021-12-31	€23.04	€33.94	x
2022-12-31	€23.97	€33.94	x
2023-12-31	€25.68	€33.94	x
2024-12-31	€29.03	€33.94	x

Capital Efficiency Dashboard

This dashboard shows how efficiently Commerzbank AG utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.

Capital Efficiency Insights

Current Return on Equity (ROE): 7.77%
The company has moderate efficiency in generating returns from equity.
DuPont Analysis Breakdown:
• Net Profit Margin: 10.60%
• Asset Turnover: 0.05x
• Equity Multiplier: 16.09x
Recent ROE (7.77%) is above the historical average (1.50%), indicating improving capital efficiency.

Historical Capital Efficiency Metrics

Year	Return on Equity	Net Profit Margin	Asset Turnover	Equity Multiplier	Economic Value Added
1999	8.18%	4.92%	0.05x	33.39x	€-203.10 Million
2000	10.72%	5.95%	0.05x	36.71x	€89.70 Million
2001	0.87%	0.39%	0.05x	42.63x	€-1.07 Billion
2002	-3.56%	-1.24%	0.05x	55.77x	€-1.02 Billion
2003	-28.29%	-16.03%	0.04x	48.28x	€-3.02 Billion
2004	5.19%	3.25%	0.03x	49.65x	€-410.20 Million
2005	10.10%	7.26%	0.04x	37.76x	€11.40 Million
2006	11.25%	6.75%	0.04x	42.65x	€177.80 Million
2007	12.67%	7.28%	0.04x	40.73x	€403.50 Million
2008	0.02%	0.01%	0.04x	32.48x	€-1.92 Billion
2009	-17.82%	-19.20%	0.03x	32.46x	€-7.23 Billion
2010	5.13%	5.89%	0.03x	27.06x	€-1.36 Billion
2011	2.65%	3.10%	0.03x	27.45x	€-1.77 Billion
2012	-0.18%	-0.23%	0.03x	24.32x	€-2.66 Billion
2013	0.31%	0.47%	0.03x	21.16x	€-2.52 Billion
2014	1.02%	1.64%	0.03x	21.40x	€-2.34 Billion
2015	3.69%	7.02%	0.03x	18.12x	€-1.86 Billion
2016	0.98%	2.03%	0.03x	16.79x	€-2.58 Billion
2017	0.44%	1.01%	0.03x	15.67x	€-2.76 Billion
2018	3.06%	6.90%	0.03x	16.39x	€-1.96 Billion
2019	1.99%	4.66%	0.03x	15.79x	€-2.35 Billion
2020	-10.44%	-25.25%	0.02x	18.45x	€-5.62 Billion
2021	1.49%	3.56%	0.03x	16.20x	€-2.46 Billion
2022	4.78%	10.06%	0.03x	15.91x	€-1.57 Billion
2023	6.95%	10.25%	0.04x	16.17x	€-975.20 Million
2024	7.77%	10.60%	0.05x	16.09x	€-769.80 Million

Industry Comparison

This section compares Commerzbank AG's net assets metrics with peer companies in the Banks - Regional industry.

Industry Context

Industry: Banks - Regional
Average net assets among peers: $4,277,418,633,900
Average return on equity (ROE) among peers: 6.80%

Peer Company Comparison

Company	Net Assets	Return on Equity	Debt-to-Equity	Market Cap
Commerzbank AG (CBK)	€31.82 Billion	8.18%	17.64x	$36.26 Billion
Grupo Supervielle S.A (189A)	$92.35 Billion	-5.45%	6.55x	$667.31 Million
Bank of Zhengzhou Co. Ltd (3BZ)	$56.29 Billion	3.33%	11.01x	$248.02 Million
Manx Financial Group PLC (3IM)	$17.44 Million	14.38%	8.93x	$31.55 Million
Postal Savings Bank of China Co Ltd (3YB)	$431.36 Billion	11.05%	19.89x	$13.12 Billion
PO.S.B.O. UNSP.ADRS/20YC1 (3YB0)	$825.81 Billion	10.32%	16.03x	$13.93 Billion
TISCO Financial Group Public Company Limited (47TA)	$37.83 Billion	18.55%	7.00x	$2.49 Billion
Bank of Qingdao Co. Ltd (4BQ)	$36.59 Billion	8.42%	13.47x	$1.37 Billion
Harbin Bank Co. Ltd (5H6)	$65.60 Billion	1.40%	12.97x	$130.79 Million
JAPAN POST BK UNSP.ADR/1 (5JP0)	$9.71 Trillion	3.67%	23.09x	$53.42 Billion
Grupo Aval Acciones y Valores S.A (6GAA)	$31.52 Trillion	2.34%	8.56x	$1.62 Billion

About Commerzbank AG

XETRA:CBK Germany Banks - Regional

Market Cap

$44.74 Billion

€38.27 Billion EUR

Market Cap Rank

#734 Global

#160 in Germany

Share Price

€33.94

Change (1 day)

-1.54%

52-Week Range

€23.10 - €37.89

All Time High

€37.89