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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.Q2 2025 earnings summary7 Aug, 2025
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%.
How did US trade policy impact investor confidence?
Explain the reduction in management overlay.
What is driving the Banking & Digital Solutions decline?
What is the strategy for U.S. office NPLs?
How will data centers impact new business mix?
What is the plan for Asia Pacific expansion?
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Next Aareal Bank earnings date
Q3 202513 Nov, 2025
Next Aareal Bank earnings date
Q3 202513 Nov, 2025
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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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