ABN AMRO Bank NV

ABN

Equity

ISIN NL0011540547 / Valor 30405054

Euronext - Euronext Amsterdam (2026-04-20)

EUR 30.10-1.38%

ABN AMRO Bank NV
UMushroom community rating:

0.00 0 votes No rating yet

NegativeNeutralPositive

About company

ABN AMRO Bank N.V. is a large, Amsterdam-based universal bank that provides a full range of banking services to retail, private, commercial and institutional clients, primarily in the Netherlands with selected international operations. Its business spans everyday retail services (current accounts, savings, payments and consumer mortgages), private banking and wealth management, and corporate and institutional activities including corporate lending, trade and export finance, cash management, capital markets and securities services. The bank combines a nationwide branch and advisory network with digital banking platforms and is subject to Dutch and European banking supervision; it has a significant role in the Dutch financial system and operates as a regulated commercial bank.

Summarized from source with an LLMView SourceSector: Finance

Quarter headline

Q4 2025 net profit: EUR 410m; operating income in Q4: EUR 2,259m; operating expenses Q4: EUR 1,575m; impairment charges Q4: EUR 70m. Earnings per share (Q4): EUR 0.43.

Full‑year and returns

Full‑year 2025 profit: EUR 2,252m. Return on equity (2025): 8.7% (2024: 10.1%). Full‑year net interest income: EUR 6,335m (‑3% YoY).

Net interest margin and fees

Q4 net interest income: EUR 1,665m; net interest margin (NIM) Q4: 156 bps (154bps excl. incidentals). Fee income strengthened (Q4 fee & commission income EUR 572m) driven by Wealth Management and Clearing.

Costs and workforce

Q4 cost/income ratio: 69.7%. Q4 personnel expenses EUR 852m (included restructuring and CLA effects). The bank reduced ~1,500 FTEs in 2025 (580 FTEs in Q4), while integration of Hauck Aufhäuser Lampe (HAL) increased headcount in Wealth.

Capital, distributions and capital management

CET1 ratio rose to 15.4% at year‑end (management noted inclusion of expected impact from the intended NIBC acquisition). ABN AMRO announced an additional EUR 500m capital distribution (EUR 250m cash dividend + EUR 250m share buyback, subject to approval) and proposed a final dividend of EUR 0.70 per share; total distributions corresponded to ~87% payout of net profit.

Balance sheet and RWA

Total assets: EUR 413.2bn at 31 Dec 2025. Loans and advances to customers EUR 255.8bn. Risk‑weighted assets decreased to EUR 135.4bn (‑EUR 7.7bn QoQ), largely from credit RWA optimisation and a significant corporate portfolio risk transfer.

Credit quality and impairments

Q4 cost of risk: 11 bps (Q4 2024: 1 bp). Impairment additions in Q4 were driven mainly by individual stage‑3 provisioning in corporate loans; overall credit metrics remained solid — past‑due ratio 0.7%, forbearance 1.8%.

Business momentum and strategy

Mortgage production remained strong (market share in new residential mortgages reached 21% in Q4). Wealth Management client assets increased (end‑period EUR ~283bn) and net new assets improved. The bank reiterated its 2026–2028 strategic targets: RoE ≥12% and cost/income <55% by 2028, plus CET1 >13.75% and focused capital reallocation to higher‑return businesses.

Summarized from source with an LLMView Source

Key figures

67.1%1Y

92.4%3Y

190%5Y

Performance

26.1%1Y

26.3%3Y

30.4%5Y

Volatility