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ABN AMRO Bank (ABN) investor relations material
ABN AMRO Bank CMD 2025 summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.CMD 2025 summary25 Nov, 2025
Strategic priorities and financial targets
Three main priorities: profitable growth, right-sizing the cost base, and optimizing capital allocation, all to be achieved by 2028.
2028 targets: return on equity above 12%, cost-income ratio below 55%, income exceeding €10 billion, and CET1 ratio above 13.75%.
Corporate Banking capital allocation to be reduced from 58% to 50% of group RWAs, with a focus on higher ROE businesses.
Shareholder payout of up to 100% of capital generated between 2026-2028, with at least 50% as cash dividends.
Strengthen Dutch retail banking, become a top 5 European private bank, and support family wealth and business growth.
Business unit strategies and growth initiatives
Personal and Business Banking aims for 5-6% annual growth in mortgages and deposits, leveraging digital brands and the NIBC acquisition.
Wealth Management targets 8-10% annual client asset growth, aiming for client assets above €335 billion, and ROE above 23% by 2028.
Corporate Banking will reduce RWAs by €10 billion by 2028, focus on specialized lending, clearing, and dual client relationships, and target an 11% ROE.
Fee growth expected at 6-7% per year, driven by transaction volume, tailored products, and expansion in Wealth Management.
Enhanced collaboration between business units to increase cross-selling and client retention.
Cost management and operational efficiency
Plan to reduce FTEs by 5,200 by 2028, with half through attrition and the rest via redundancies.
€900 million in cost savings targeted across synergies, IT simplification, commercial optimization, and operational efficiency.
Cost base expected to decline to around €5.5 billion by 2028, with cost/income ratio improving to below 55%.
AI and technology investments to drive efficiency, with over 25 GenAI use cases in production and more than 100 identified.
AML and operations FTEs to be reduced by 35% through digitalization, offshoring, and GenAI.
FTE reduction: how to maintain service quality?
Capital distribution: flexibility for market changes?
NII guidance: mitigate asset margin pressure?
FTE reduction plan: attrition vs. redundancies
Corporate Bank RWA reduction drivers by 2028
NII growth drivers to EUR 7.2bn by 2028
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Next ABN AMRO Bank earnings date
Q4 202511 Mar, 2026
Next ABN AMRO Bank earnings date
Q4 202511 Mar, 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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