Q4 2025 ABN Amro Bank NV Earnings Call Transcript

Feb 11, 2026 / 08:00AM GMT

Release Date Price: $35.7 (-0.81%)

Transcript

Key Points

Positve

ABN AMRO Bank NV (ABMRF) reported a strong net profit of €410 million for Q4 2025, supported by robust net interest income (NII) and fee income.
The bank achieved a significant increase in mortgage volume, with a 21% rise in market share for new mortgage predictions, resulting in a net increase of $2.5 billion.
Client assets grew by approximately €7 billion, driven by strong net new assets and market performance.
The bank made substantial progress in capital optimization, reducing risk-weighted assets (RWA) by close to €8 billion, further strengthening its capital position.
ABN AMRO Bank NV (ABMRF) announced additional distributions totaling €500 million, reflecting a strong commitment to shareholder returns.

Negative

The bank experienced a slight decline in mortgage margins due to ongoing interest from clients for mortgages under the National Mortgage Guarantee scheme.
Underlying expenses increased in Q4 due to seasonal and non-recurring items, totaling approximately €40 million.
The bank booked €60 million in restructuring costs in Q4, which was higher than previously guided.
Other income remained subdued, with both corporate banking and treasury performing below trends this quarter.
The bank's cost of risk is expected to gradually move towards the low end of the through-the-cycle range by 2028, indicating potential future increases in impairments.

Operator

Welcome to ABN Ambrose Q4 2025 analyst and investor call. Please note this call is being recorded and for the duration of the call, your lines will be on listen-only. Analysts will have the opportunity to ask questions after the presentation. This can be done by pressing 5 on your telephone keypad. I will now hand the call over to the speakers. Please go ahead.

Welcome to ABN Ambrose Q4 2025 analyst and investor call. Please note this call is being recorded and for the duration of the call, your lines will be on listen-only. Analysts will have the opportunity to ask questions after the presentation. This can be done by pressing pound 5 on your telephone keypad. I will now hand the call over to the speakers. Please go ahead.

Ferdinand Vaandrager

ABN Amro Bank NV - Chief Financial Officer, Member of the Executive Board

Good morning and thank you for your patience. Welcome to Aben and Rose Q4 and Fulia 2025 Brazils presentation. I am joined today by our CFO FerdinavoRaer and our CRO De Avanti.

After our presentation, we will open the line for

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