Deutsche Bank’s New York Branch and DB Trust Company Americas lowered their prime lending rate from 7.25% to 7.00% effective October 30, 2025.
The cut follows a September 2025 adjustment that reduced the rate from 7.50% to 7.25%, and a May 2023 increase from 8.00% to 8.25%. The current rate of 7.00% is the lowest since May 2023.
The move aims to keep loan products competitive amid tightening credit conditions and rising competition among U.S. lenders. Deutsche Bank said the adjustment aligns with its “Global Hausbank” strategy to support growth in its Corporate Bank segment and maintain pricing flexibility.
The Corporate Bank segment has seen a 12% increase in loan volume in the first nine months of 2025, driven by demand for corporate working capital and project finance. The rate cut is expected to further stimulate demand for corporate loans, potentially offsetting margin compression.
Deutsche Bank reported a record profit before tax of €7.7 billion for the first nine months of 2025, up 64% YoY, and a CET1 ratio of 14.5% at the end of Q3 2025. The strong capital base provides a buffer for margin pressure.
CEO Christian Sewing said the bank remains focused on delivering shareholder value through disciplined capital deployment and that the rate cut reflects the bank’s commitment to supporting clients in a competitive market.
The content on BeyondSPX is for informational purposes only and should not be construed as financial or investment advice. We are not financial advisors. Consult with a qualified professional before making any investment decisions. Any actions you take based on information from this site are solely at your own risk.