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Aareal Bank (ARLN) investor relations material
Aareal Bank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary13 Nov, 2025
Executive summary
Adjusted operating profit for the first nine months of 2025 rose 15% year-over-year to €306 million, with adjusted return on equity at 8.0% and full-year outlook confirmed.
Net interest income stabilized as expected, despite a 13% decline to €691 million, reflecting lower market rates and FX effects.
Loan impairment charges dropped 34% to €190 million, mainly due to active management and lower risk costs outside the US.
Administrative expenses fell 8% to €229 million, benefiting from ongoing cost controls.
New business volume reached €8.5 billion, substantially ahead of the prior year, with strong margins and conservative loan-to-values.
Financial highlights
Net interest income down 13% to €691 million, in line with expectations and impacted by lower rates and FX effects.
Adjusted operating profit rose to €306 million, up 15% year-over-year.
Cost/income ratio improved to 32%.
Effective tax rate for the period was 27%.
Consolidated net income from continuing operations rose 11% to €205 million.
Outlook and guidance
Full-year 2025 outlook confirmed, targeting adjusted operating profit of €375–425 million, excluding €20–25 million in expected one-off charges.
Structured Property Financing portfolio targeted at €34–35 billion (or €33–34 billion after FX effects).
New business guidance of €9–10 billion for 2025.
Banking & Digital Solutions segment deposit guidance remains €13–14 billion on average.
Return on equity guidance for 2025 is 7–8%.
Progress reducing US office exposure
SRT transaction's capital freeing impact
Net interest income stabilization drivers
U.S. portfolio recalibration: asset class focus
Data center lending: margin expectations and volume
SRT transaction: capital efficiency and RWA impact
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Next Aareal Bank earnings date
Q4 20255 Mar, 2026
Next Aareal Bank earnings date
Q4 20255 Mar, 2026
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Frequently asked questions
Aareal Bank AG, provides financing, software products, digital solutions, and payment transaction applications for the property sector and related industries in Germany and internationally. It operates through Property Financing, Property Management International/Digital Solutions/Software Products, Corporate Finance Europe/Subsidiaries, Treasury & Investor Relations, and Group Business Development segments. The company offers commercial property financing solutions to finance office and retail properties; provides financing solutions for hotels; finances car parks; finances residential projects and residential portfolios.
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