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ABN AMRO Bank (ABN) investor relations material
ABN AMRO Bank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary12 Nov, 2025
Executive summary
Net profit for Q3 2025 was EUR 617 million, with a return on equity of 9.5%, including EUR 26 million from HAL, and EPS of EUR 0.67.
Mortgage and corporate loan portfolios each grew by EUR 2.1 billion; Wealth Management net new assets increased by EUR 4.3 billion.
Strategic acquisition of NIBC Bank announced, expected to close in H2 2026, to strengthen the Dutch retail market position and improve profitability.
Cost discipline maintained, with FTEs reduced by 700 in Q3 and nearly 1,000 year-to-date (excluding HAL integration).
CET1 ratio stable at 14.8%; EUR 250 million share buyback completed in September.
Financial highlights
Net interest income for Q3 2025 was EUR 1,580 million, up 3% sequentially, with HAL contributing EUR 34 million.
Net fee and commission income rose to EUR 561 million, up 17% year-over-year, reaching a two-year high.
Operating expenses increased 6% year-over-year to EUR 1,409 million, mainly from HAL integration and higher personnel costs.
Impairment releases of EUR 49 million, mainly from corporate loan recoveries, reflecting improved credit quality.
Cost/income ratio rose to 64.9% (Q3 2024: 59.2%).
Outlook and guidance
Full-year 2025 net interest income expected at least EUR 6.3 billion, including HAL.
Full-year cost guidance between EUR 5.4 billion and EUR 5.5 billion, including HAL.
Deposit margins expected to become a tailwind in coming quarters.
Further capital returns under review for Q4.
NIBC acquisition expected to close in H2 2026, with anticipated 18% return on invested capital and 70bps CET1 impact at closing.
NIBC off-balance mortgages: ABN AMRO strategy?
Replicating portfolio yield inflection point impact?
Q4 cost exit rate vs. 2026 run rate explanation
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Next ABN AMRO Bank earnings date
CMD 202525 Nov, 2025
Next ABN AMRO Bank earnings date
CMD 202525 Nov, 2025
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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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