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Aareal Bank (ARLN) investor relations material
Aareal Bank Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Adjusted operating profit rose 21% year-over-year to €223 million, with net income up 22% to €156 million, despite an 11% decline in net interest income due to lower rates.
Loan impairment charges dropped 34% to €116 million, reflecting improved credit quality and reduced overlays, mainly for US office exposures.
Administrative expenses fell 8% to €162 million, driven by efficiency measures.
BDS deposit volumes reached €14.0 billion in Q2 2025, supported by new client acquisition and product innovation.
The group remains on track to meet full-year targets, with the Aareal Ambition strategy implementation progressing.
Financial highlights
Net interest income declined 11% year-over-year to €473 million, mainly due to lower market rates.
Adjusted return on equity increased to 9.1% from 8.0% in the prior year period.
Cost-income ratio improved to 32% for the first half.
Nonperforming loans stable at €1.4 billion, with a coverage ratio of 28%.
Green loans in the portfolio increased to €8.5 billion.
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.
Return on equity expected at 7–8% for 2025.
Credit portfolio expected to expand to €34–35 billion, with €9–10 billion in new business.
Banking and Digital Solutions deposits forecasted at €13–14 billion.
CET1 ratio expected to remain well above 13.5%.
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