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ABN AMRO Bank
ABN AMRO Bank (ABN) investor relations material
ABN AMRO Bank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary11 Feb, 2026
Executive summary
Q4 2025 net profit reached EUR 410 million, bringing full-year ROE to 8.7%.
Strong commercial momentum with new mortgage production of EUR 2.5 billion and a 21% market share in Q4; client assets up EUR 7 billion.
Workforce reduced by 1,500 FTEs in 2025 as part of cost base right-sizing, with 30% of planned FTE reductions for 2024–2028 achieved.
CET1 ratio increased to 15.4% at year-end 2025 due to RWA and portfolio optimisation.
Announced a final dividend of EUR 0.70 per share and EUR 500 million in additional distributions, split between cash and share buyback.
Financial highlights
Q4 net profit: EUR 410 million; full-year profit: EUR 2,252 million; full-year NII: EUR 6,335 million, in line with guidance.
Fee income up 14% year-over-year in Q4, supported by Wealth Management and Corporate Banking.
Operating expenses for FY2025: EUR 5,610 million; cost/income ratio for full-year: 64.4%.
Costs landed at the lower end of guidance; EUR 160 million in cost savings achieved in 2025.
Credit quality remains strong; EUR 70 million impairments in Q4, stage 3 ratio at 2.1%, cost of risk at 1bp for full year.
Outlook and guidance
2026 commercial NII expected at EUR 6.4 billion, with full-year HAL contribution; cost guidance at EUR 5.6 billion.
Strategic targets for 2028: ROE above 12%, cost/income ratio below 55%, CET1 ratio above 13.75%, total income above EUR 10 billion.
Distribution policy remains up to 100% of net profit between 2026 and 2028.
What drives future RWA optimization beyond Q4?
Net FTE reduction progress towards 2028 target?
Future drivers of mortgage market share growth?
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Next ABN AMRO Bank earnings date
Q1 202613 May, 2026
ABN AMRO Bank
Next ABN AMRO Bank earnings date
Q1 202613 May, 2026
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Frequently asked questions
Building trust for a better future
ABN AMRO Bank is a well-established financial institution that provides a wide range of banking and financial services to individuals, businesses, and institutions. The bank offers various products and solutions, including personal banking, private banking, commercial banking, and asset management. ABN AMRO aims to meet the diverse financial needs of its customers and help them achieve their financial goals through a comprehensive suite of banking services.
Retail, commercial, and private banking
ABN AMRO operates through several main business segments, including Retail Banking, Commercial Banking, Private Banking, and Corporate & Institutional Banking. The Retail Banking segment serves individual customers, offering services such as savings accounts, mortgages, personal loans, and insurance products. The Commercial Banking segment focuses on providing financial solutions to small and medium-sized enterprises (SMEs), including financing, cash management, and advisory services. Private Banking caters to high-net-worth individuals, providing tailored wealth management and investment services. The Corporate & Institutional Banking segment serves larger corporations and institutional clients, offering services like corporate finance, trade finance, and treasury solutions.
A 200 years old company
ABN AMRO Bank is headquartered in Amsterdam, the Netherlands, and has a long history that dates back to 1824. The bank has a strong presence in the Dutch market and operates internationally with a network of branches and offices in various countries.
ABN AMRO Bank operates in a highly competitive banking industry, facing competition from other major financial institutions. Three notable public competitors include ING Group, Rabobank, and Deutsche Bank. These banks also offer a range of banking services and operate globally, vying for market share in the financial services sector.
In summary, ABN AMRO Bank is a reputable financial institution that provides a comprehensive range of banking and financial services. With its customer-centric approach, digital innovation, and commitment to sustainability, ABN AMRO strives to be a trusted partner in helping individuals, businesses, and institutions navigate their financial journey.
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