ABN Amro Bank NV
OTC:AAVMY

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ABN Amro Bank NV Logo
ABN Amro Bank NV
OTC:AAVMY
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Price: 34.097 USD -0.88% Market Closed
Market Cap: 30.2B USD

ABN Amro Bank NV
Investor Relations

ABN Amro Bank NV, one of the prominent financial institutions in the Netherlands, has woven its operations into the fabric of modern banking by combining tradition with a progressive ethos. Originating from a rich tapestry of mergers and acquisitions, it's a story of resilience and adaptation. The bank primarily serves retail, private, and commercial clients across the Netherlands, with a notable presence extending into international markets. Its foundational offerings include everyday banking services like savings and checking accounts, as well as credit and mortgage products. Moreover, ABN Amro caters to a considerable enterprise segment, offering a suite of services such as business loans, asset management, and merchant banking. These diverse channels allow the bank to generate revenue streams from interest margins and service fees, which are bolstered by the depth and breadth of its client relationships.

Navigating the complexities of a digital age, ABN Amro has adeptly embraced technological advancements to enhance its services. The bank's focus on innovation is evident as it integrates cutting-edge digital solutions to elevate customer experience and operational efficiency. Particularly significant is its investment in sustainable banking initiatives, aiming for long-term impacts that align with both client needs and environmental responsibilities. These strategic investments are aimed at securing a competitive advantage while adhering to a solid risk management framework that safeguards its operations. By harmonizing prudent financial stewardship with modern banking practices, ABN Amro positions itself to grow amidst the evolving landscape of the global financial sector.

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Last Earnings Call
Fiscal Period
Q3 2025
Call Date
Nov 12, 2025
AI Summary
Q3 2025

Solid Earnings: ABN AMRO delivered a strong Q3 with net profit of EUR 617 million and a 9.5% return on equity.

NIBC Acquisition: Announced the acquisition of NIBC to strengthen its position in the Dutch mortgage and savings market, expected to close in H2 2026 with substantial cost synergies and an 18% return on invested capital.

Mortgage & Loan Growth: Both the mortgage and corporate loan portfolios increased by EUR 2.1 billion in the quarter; market share in new mortgage production rose to 19%.

Cost Discipline: Ongoing cost reductions, with 700 fewer FTEs in Q3 and nearly 1,000 year-to-date; expected to end the year at the low end of cost guidance.

Strong Capital Position: CET1 ratio stable at 14.8%, well above requirements, and EUR 250 million share buyback completed in September.

Guidance Raised: Full-year net interest income expected to be at least EUR 6.3 billion and costs between EUR 5.4–5.5 billion, both including HAL.

Credit Quality: Credit quality remained robust with EUR 49 million in impairment releases and a Stage 3 ratio down to 2%.

Strategic Focus: Management emphasizes ongoing cost control, capital allocation, and profitable growth, with more details to come at the upcoming Capital Markets Day.

Key Financials
Net Profit
EUR 617 million
Return on Equity
9.5%
Net Interest Income
EUR 1.5 billion
Mortgage Portfolio Growth
EUR 2.1 billion
Corporate Loans Growth
EUR 2.1 billion
Net New Assets
EUR 4.3 billion
CET1 Ratio
14.8%
Impairment Releases
EUR 49 million
Stage 3 Ratio
2%
Share Buyback
EUR 250 million
Underlying Cost Base (Full Year)
EUR 5.4–5.5 billion including HAL
FTE Reduction
700 FTEs in Q3; nearly 1,000 year-to-date
HAL Cost Synergies
EUR 60 million (year 3 run rate, 2028)
NIBC Cost Synergies
EUR 100 million post tax (2029)
Earnings Call Recording
Other Earnings Calls

Management

Mr. Dan Dorner
Chief Commercial Officer of Corporate Banking & Vice Chairman of Executive Board
No Bio Available
Ms. Choy van der Hooft-Cheong
Chief Commercial Officer of Wealth Management & Member of Executive Board
No Bio Available
Ms. Annerie M. Vreugdenhil
Chief Commercial Officer of Personal & Business Banking and Member of Executive Board
No Bio Available
Mr. Carsten Bittner
Chief Innovation & Technology Officer and Member of Executive Board
No Bio Available
Mr. Ton van Nimwegen
COO & Member of the Executive Board
No Bio Available
Caroline Oosterloo
Member of Executive Board
No Bio Available
Ms. Serena Fioravanti
Chief Risk Officer & Member of Executive Board
No Bio Available
Mr. Hugo Peek
Regional Head of EMEA for Corporate & Institutional Banking
No Bio Available
Mr. John Heijning
Head of Investor Relations
No Bio Available
Mr. Fred Bos
Senior Managing Director of IPO, Strategy & Corporate Development
No Bio Available

Contacts

Address
NOORD-HOLLAND
Amsterdam
Gustav Mahlerlaan 10
Contacts
+31206282282.0
www.abnamro.com