Its CET1 capital ratio stood at 14.4% after accounting for capital distributions. Second-quarter net interest income was €2.059 billion, slightly higher than in the first quarter and broadly stable from a year earlier. Schmitt said default rates in Germany had edged higher, mainly among smaller service-sector companies where Commerzbank has limited exposure. For 2026, Commerzbank is planning capital returns of €3.2 billion, representing a stated total yield of 8%. Commerzbank also said it has completed the rollout of Microsoft Copilot and Google Gemini tools to employees and launched an AI academy.