ABN AMRO reported a net profit of EUR 410 million in Q4 2025, bringing the full-year return on equity to 8.7%. The bank saw a rapid increase in new mortgage production in Q4 and reduced its workforce by about 1,500 employees in 2025 to optimize costs. Credit quality remained strong, with risk costs at 11 basis points in Q4. The CET1 ratio rose to 15.4%. The bank plans to distribute an additional EUR 500 million in capital and proposed a final dividend of EUR 0.70 per share.

ABN AMRO CEO Marguerite Bérard highlighted the solid results in Q4 2025, showing progress on strategic priorities like portfolio management and risk optimization. Despite economic uncertainties, the bank saw profitable growth in mortgages and wealth management. The Dutch housing market remains strong, and the bank continues to support customers in Northwestern Europe.

The bank’s client units contributed significantly to profitable growth, with an expanded mortgage production and increased managed wealth. Initiatives like the ‘Beter Wonen’ program for sustainable housing aim to help customers reduce emissions. ABN AMRO also launched new services like crypto custody for institutional clients and expanded wealth management operations in Belgium.

ABN AMRO’s operational income in Q4 showed progress towards its goal of achieving an operational income of over EUR 10 billion by 2028. Net interest income increased, and the bank maintained its expectations for commercial net interest income in 2026. Provisions and expenses rose in certain areas, but the bank’s cost optimization strategy remains a key focus.

The bank’s efforts to optimize its risk-weighted assets yielded positive results, with reductions in corporate banking and successful risk transfers in the loan portfolio. ABN AMRO plans to make an additional capital distribution of EUR 500 million, representing 87% of net profit. The bank’s CET1 capital ratio stood at 15.4% at year-end.

ABN AMRO announced changes to its board of directors, with Michiel Lap becoming the new chairman of the Supervisory Board and Jean-Pierre Mustier nominated as a new member. The bank expressed gratitude to outgoing chairman Tom de Swaan for his leadership. Looking ahead to 2026, ABN AMRO aims to achieve its long-term goals for sustainable growth and financial performance.

Read more at GlobeNewswire: ABN AMRO rapporteert nettowinst van EUR 410 miljoen in Q4