ABN AMRO Bank NV

Latest Results (16.11.2025):

For Q3 2025, ABN AMRO Bank NV delivered a solid performance by reporting a net profit of EUR 617 million and a return on equity of 9.5%. The bank saw continued growth in its mortgage and corporate loan portfolios alongside increased Wealth Management assets, while disciplined cost management was reflected in a reduction of 700 FTEs this quarter. Additionally, strategic moves such as the acquisition of NIBC and positive contributions from the integration of HAL have further strengthened its market presence, all against a backdrop of solid capital with a CET1 ratio of 14.8%.

Profitability & Financial Performance

ABN AMRO Bank NV achieved a net profit of EUR 617 million in Q3 2025, with a robust return on equity of 9.5%. Despite slight declines in some areas compared to Q3 2024, the overall results, including net impairment releases and improved asset quality, underline the bank’s strong profitability.

Revenue & Operating Highlights

Net interest income increased by EUR 48 million to EUR 1,580 million, while fee income saw a boost driven by contributions from HAL, adding around EUR 50 million. However, other operating income declined due to negative revaluations, contributing to the overall operating income performance.

Cost Efficiency & Expense Management

The bank continued its focus on cost discipline, as demonstrated by the reduction of 700 FTEs during Q3 2025 and nearly 1,000 FTE reductions year-to-date. External staffing costs dropped by EUR 45 million, which helped offset higher personnel expenses following wage increases.

Strategic Growth & Acquisitions

In Q3 2025, ABN AMRO Bank NV advanced its strategic growth plans through the acquisition of NIBC, reinforcing its position in the Dutch retail market. Additionally, the integration of HAL positively influenced results by adding EUR 26 million to Q3 profits, supporting the bank’s expansion into the German market.

Capital & Shareholder Value

The solid capital position is evident with a CET1 ratio of 14.8% and the finalisation of a EUR 250 million share buyback programme. These measures, in addition to future plans for further capital distribution reviews, underscore the bank’s commitment to enhancing shareholder value.