ABN AMRO Reports a Net Profit of 410 Million Euros in the Fourth Quarter of 2025
Dutch bank ABN AMRO recorded a net profit of 410 million euros in the fourth quarter of 2025. This performance is in line with its strategic priorities, marked by advancements in portfolio management and optimization of risk-weighted assets.
Solid Operational Performance in Q4
ABN AMRO achieved a robust operational result in the fourth quarter, progressing towards its target of an operating result exceeding 10 billion euros by 2028. The net interest income increased by 85 million euros during the quarter to reach 1,665 million euros, enabling the institution to meet its annual 2025 guidance of more than 6.3 billion euros. This increase was largely driven by improved treasury results. For 2026, the bank maintains its guidance for commercial net interest income at approximately 6.4 billion euros, excluding the planned acquisition of NIBC. Commission revenues also strengthened, particularly in Wealth Management, benefiting from a successful product campaign and good market performance. In Corporate Banking, clearing registered higher commissions in the fourth quarter due to increased volatility in global financial markets, while revenues from global markets and corporate finance also improved.
Cost Base Reduction Remains a Strategic Priority
Reducing the cost base remains a major strategic priority. ABN AMRO plans to reduce its workforce by 5,200 full-time equivalents by 2028. In the fourth quarter, the workforce decreased by 580 full-time equivalents, bringing the total annual reduction to 1,500 full-time equivalents, approximately 30% of the reduction planned until 2028. Fourth quarter costs amounted to 1,575 million euros, including the payment of the annual Dutch banking tax. For the full year, costs excluding exceptional charges and restructuring were at the lower end of the guidance range of 5.4 to 5.5 billion euros. For 2026, the bank anticipates costs of 5.6 billion euros, excluding restructuring fees and the planned acquisition of NIBC.
Risk Costs Well Managed
The cost of risk remained controlled at 11 basis points for the quarter, bringing the annual cost of risk to 1 basis point. ABN AMRO made significant progress in optimizing its risk-weighted assets. Improved data at Corporate Banking generated a reduction of 3 billion euros for the quarter, including the initial benefits from the reapplication of the SME support factor. A risk transfer operation on a corporate credit portfolio also generated approximately 1.5 billion euros of relief in terms of risk-weighted assets. The year-end CET1 capital ratio stood at 15.4%. The bank plans an additional distribution of 500 million euros, composed of 250 million euros in cash dividends and 250 million euros through a share buyback program, in addition to the proposed final dividend of 0.70 euro per share. These distributions represent a payout ratio of 87% of the annual net profit.
