Balance Sheet ABN AMRO Bank N.V.

Equities

ABN

NL0011540547

Banks

Market Closed - Euronext Amsterdam Other stock markets 16:35:14 23/06/2025 BST			Pre-market 06:05:01
22.80 ^EUR	-1.08%		23.10	+1.34%

06-19	ABN Amro to Pay $17 Million Fine for Breaching Bonus Ban	DJ
06-19	ABN Amro Announces A Fine From Dutch Central Bank Over Violation Of Bonus Prohibition	RE

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Published financial data: ABN AMRO BANK N.V.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	7.52B	6.76B	7.7B	15.85B	16.76B
Interest Income On Investments	290M	258M	236M	334M	351M
Interest Income, Total	7.82B	7.02B	7.93B	16.18B	17.11B
Interest On Deposits	1.83B	1.4B	2.46B	9.81B	10.53B
Total Interest On Borrowings	118M	411M	57M	92M	72M
Interest Expense, Total	1.95B	1.81B	2.51B	9.9B	10.6B
Net Interest Income	5.86B	5.21B	5.42B	6.28B	6.5B
Income From Trading Activities	163M	145M	282M	213M	283M
Gain (Loss) on Sale of Loans	-	-108M	1M	-75M	-71M
Gain (Loss) on Sale of Assets	275M	330M	147M	33M	-22M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	2M	42M	-	-	-
Income (Loss) on Equity Invest. (Income Block)	29M	23M	107M	41M	9M
Total Other Non Interest Income	1.58B	1.95B	1.88B	2.13B	2.16B
Non Interest Income, Total	2.05B	2.39B	2.42B	2.34B	2.36B
Revenues Before Provison For Loan Losses	7.92B	7.6B	7.84B	8.62B	8.86B
Provision For Loan Losses	2.3B	-46M	39M	-158M	-21M
Total Revenues	5.61B	7.64B	7.8B	8.78B	8.88B
Salaries And Other Employee Benefits	2.18B	2.32B	2.46B	2.49B	2.78B
Occupancy Expense	219M	195M	175M	169M	160M
Selling General & Admin Expenses, Total	2.52B	3.14B	2.7B	2.49B	2.53B
Total Other Non Interest Expense	95M	149M	96M	-1M	1M
Non Interest Expense, Total	5.02B	5.8B	5.43B	5.15B	5.47B
EBT, Excl. Unusual Items	596M	1.84B	2.37B	3.63B	3.42B
Restructuring Charges	-160M	-	-	-	-
Impairment of Goodwill	-30M	-	-	-79M	-
Asset Writedown	-50M	1M	3M	-3M	-
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	356M	1.84B	2.38B	3.54B	3.42B
Income Tax Expense	401M	604M	509M	847M	1.01B
Earnings From Continuing Operations	-45M	1.23B	1.87B	2.7B	2.4B
Net Income to Company	-45M	1.23B	1.87B	2.7B	2.4B
Minority Interest	-	-3M	-	-	-
Net Income - (IS)	-45M	1.23B	1.87B	2.7B	2.4B
Preferred Dividend and Other Adjustments	113M	91M	92M	92M	120M
Net Income to Common Incl Extra Items	-158M	1.14B	1.78B	2.6B	2.28B
Net Income to Common Excl. Extra Items	-158M	1.14B	1.78B	2.6B	2.28B
Per Share Items
Net EPS - Basic	-0.17	1.21	1.96	2.99	2.72
Basic EPS - Continuing Operations	-0.17	1.21	1.96	2.99	2.72
Basic Weighted Average Shares Outstanding	940M	940M	908M	872M	841M
Net EPS - Diluted	-0.17	1.21	1.96	2.99	2.72
Diluted EPS - Continuing Operations	-0.17	1.21	1.96	2.99	2.72
Diluted Weighted Average Shares Outstanding	940M	940M	908M	872M	841M
Normalized Basic EPS	0.4	1.22	1.63	2.6	2.54
Normalized Diluted EPS	0.4	1.22	1.63	2.6	2.54
Dividend Per Share	-	0.61	0.99	1.51	1.35
Payout Ratio	-260	59.3	49.84	44.79	56.76
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	112.64	32.86	21.41	23.9	29.65
Total Current Taxes	349M	676M	522M	825M	961M
Total Deferred Taxes	52M	-72M	-13M	22M	52M
Normalized Net Income	372M	1.15B	1.48B	2.27B	2.14B
Non-Cash Pension Expense	-3M	-7M	4M	6M	10M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	-2.6M	-	-	-	-
Total Stock-Based Compensation	-2.6M	-	-	-	-

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	61.68B	67.6B	62.6B	55.05B	45.63B
Investment Securities, Total	55.53B	50.47B	50.47B	51.8B	62.12B
Trading Asset Securities, Total	7.68B	4.79B	6.17B	6.48B	7.21B
Mortgage Backed Securities	3.53B	3.17B	3.27B	5.05B	5.29B
Total investments	66.74B	58.43B	59.92B	63.32B	74.62B
Gross Loans	263B	269B	263B	261B	262B
Allowance For Loan Losses	-3.47B	-2.42B	-2.03B	-1.6B	-1.37B
Other Adjustments to Gross Loans	-	-250M	-9.77B	-6.4B	-5.06B
Net Loans	259B	266B	251B	253B	256B
Gross Property Plant And Equipment	3.28B	3.25B	2.81B	2.8B	2.89B
Accumulated Depreciation	-2.03B	-2.08B	-1.82B	-1.82B	-1.82B
Net Property Plant And Equipment	1.26B	1.17B	988M	978M	1.07B
Goodwill	78M	79M	78M	0	45M
Other Intangibles, Total	50M	48M	30M	99M	208M
Accrued Interest Receivable	575M	564M	496M	492M	503M
Other Receivables	2.47B	2.4B	2.29B	2.06B	2.81B
Restricted Cash	212M	431M	7M	1M	-
Other Current Assets, Total	703M	367M	50M	154M	1.62B
Deferred Tax Assets Long-Term (Collected)	675M	620M	497M	278M	275M
Other Long-Term Assets, Total	2.02B	1.39B	1.74B	2.83B	2.24B
Total Assets	396B	399B	380B	378B	385B
Liabilities
Accrued Expenses, Total	1.06B	1.01B	1.07B	1.09B	1.19B
Interest Bearing Deposits	54.1B	55.52B	47.48B	57.31B	55.75B
Non-Interest Bearing Deposits	220B	233B	224B	202B	202B
Total Deposits	275B	289B	272B	259B	258B
Short-Term Borrowings	8.92B	5.31B	5.19B	3.61B	3.08B
Current Portion of Long-Term Debt	31.37B	27.31B	30.71B	28.82B	38.68B
Current Portion of Leases	66M	59M	88M	92M	89M
Long-Term Debt	54.19B	48.93B	42.08B	54.39B	52.72B
Long-Term Leases	254M	426M	325M	334M	293M
Current Income Taxes Payable	26M	101M	22M	159M	395M
Other Current Liabilities - (Bank / Utility Template)	563M	687M	641M	917M	1.16B
Pension & Other Post Retirement Benefits	106M	79M	75M	76M	76M
Deferred Tax Liability Non-Current	4M	-	-	-	-
Other Non Current Liabilities	3.49B	4.38B	4.68B	4.89B	3.21B
Total Liabilities	375B	377B	357B	354B	359B
Common Stock, Total	940M	940M	898M	866M	833M
Additional Paid In Capital	12.97B	12.97B	12.53B	12.19B	11.85B
Retained Earnings	-45M	1.23B	1.87B	2.7B	2.4B
Comprehensive Income and Other	7.12B	6.85B	7.52B	8.41B	11.02B
Total Common Equity	20.99B	21.99B	22.81B	24.16B	26.1B
Minority Interest	-	5M	2M	3M	3M
Total Equity	20.99B	22B	22.81B	24.17B	26.11B
Total Liabilities And Equity	396B	399B	380B	378B	385B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	940M	940M	898M	866M	833M
ECS Total Common Shares Outstanding	940M	940M	898M	866M	833M
Book Value / Share	22.33	23.4	25.42	27.92	31.34
Tangible Book Value	20.86B	21.87B	22.7B	24.07B	25.85B
Tangible Book Value Per Share	22.19	23.26	25.3	27.8	31.03
Tangible Book Value Per Share (As Reported)	20.08	21.15	23.08	25.51	26.86
Total Debt	94.8B	82.04B	78.4B	87.24B	94.87B
Deposits at Interest - Cash	61.79B	68.02B	62.27B	54.76B	45.22B
Debt Equivalent of Unfunded Proj. Benefit Obligation	241M	215M	198M	204M	216M
Net Debt	14.44B	-258M	-4.61B	10.7B	22.04B
Equity Method Investments, Total	593M	564M	474M	333M	244M
Full Time Employees	19.23K	19.96K	20.04K	20.87K	21.98K
Number Of Offices	-	77	27	25	25
Assets on Operating Lease - Gross	969M	923M	796M	646M	569M
Assets on Operating Lease - Accumulated Depreciation	-369M	-389M	-369M	-308M	-263M

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	-45M	1.23B	1.87B	2.7B	2.4B
Depreciation, Depletion & Amortization	194M	175M	156M	155M	147M
Amortization of Goodwill and Intangible Assets - (CF)	7M	6M	7M	4M	2M
Total Depreciation, Depletion & Amortization	201M	181M	163M	159M	149M
Amortization of Deferred Charges, Total	18M	14M	12M	10M	11M
(Gain) Loss on Sale of Investments - (CF)	516M	-	-	-	-
Total Asset Writedown	80M	-1.62B	6.75B	545M	-1.95B
Restructuring Activities	-	-	-	-	-
Provision for Credit Losses	2.3B	-46M	39M	-158M	-21M
(Income) Loss On Equity Investments - (CF)	-23M	44M	-77M	-15M	14M
Change in Trading Asset Securities	-998M	2.55B	-580M	-412M	-1.3B
Change in Other Net Operating Assets (Collected)	38.84B	-6.24B	-20.7B	-11.57B	-12.63B
Other Operating Activities	499M	1.07B	825M	879M	1.16B
Cash from Operations	41.39B	-2.82B	-11.7B	-7.87B	-12.16B
Capital Expenditure	-217M	-182M	-186M	-209M	-312M
Sale of Property, Plant, and Equipment	412M	674M	127M	111M	48M
Cash Acquisitions	-24M	-14M	-13M	-23M	-25M
Divestitures	10M	194M	272M	68M	183M
Purchase / Sale of Intangible Assets	-8M	-20M	-1M	-81M	-140M
Investment in Marketable and Equity Securities, Total	-2.65B	3.21B	-438M	-1.56B	-4.57B
Other Investing Activities, Total	0	1M	-	-27M	1M
Cash from Investing	-2.48B	3.86B	-239M	-1.72B	-4.81B
Long-Term Debt Issued, Total	28.24B	31.14B	36.77B	50.76B	45.14B
Total Debt Issued	28.24B	31.14B	36.77B	50.76B	45.14B
Long-Term Debt Repaid, Total	-37.95B	-37.79B	-32.39B	-45.84B	-37.11B
Total Debt Repaid	-37.95B	-37.79B	-32.39B	-45.84B	-37.11B
Issuance of Common Stock	-	-	-	-	-
Repurchase of Common Stock	-	-	-501M	-500M	-500M
Common Dividends Paid	-117M	-730M	-931M	-1.21B	-1.36B
Common & Preferred Stock Dividends Paid	-117M	-730M	-931M	-1.21B	-1.36B
Net Increase (Decrease) in Deposit Accounts - (CF)	3.92B	12.42B	3.56B	-1.21B	1.36B
Other Financing Activities, Total	-2M	-1M	-4M	1M	-1M
Cash from Financing	-5.91B	5.04B	6.51B	2.01B	7.53B
Foreign Exchange Rate Adjustments	-57M	58M	14M	-22M	19M
Miscellaneous Cash Flow Adjustments	-	1M	-	49M	-
Net Change in Cash	32.94B	6.14B	-5.42B	-7.56B	-9.42B
Supplemental Items
Cash Interest Paid	1.83B	1.4B	2.46B	9.81B	10.42B
Cash Income Tax Paid (Refund)	373M	534M	544M	629M	737M
Net Debt Issued / Repaid	-9.72B	-6.65B	4.38B	4.92B	8.03B

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	-0.01	0.31	0.48	0.71	0.63
Return On Equity %	-0.21	5.74	8.34	11.48	9.56
Return on Common Equity	-0.74	5.3	7.93	11.09	9.08
Shareholders Value Added	-2.49B	-1.34B	-813M	-118M	-611M
Margin Analysis
SG&A Margin	87.69	74.01	68.34	58.69	61.54
Net Interest Income / Total Revenues %	104.47	68.18	69.5	71.55	73.21
EBT Excl. Non-Recurring Items Margin %	10.62	24.04	30.43	41.32	38.45
Income From Continuing Operations Margin %	-0.8	16.15	23.94	30.73	27.05
Net Income Margin %	-0.8	16.11	23.94	30.73	27.05
Net Avail. For Common Margin %	-2.82	14.92	22.76	29.68	25.7
Normalized Net Income Margin	6.64	14.98	19.02	25.82	24.03
Asset quality
Nonperforming Loans / Total Loans %	3.23	2.49	1.97	1.81	2
Nonperforming Loans / Total Assets %	2.14	1.68	1.36	1.25	1.37
Nonperforming Assets / Total Assets %	2.14	1.68	1.36	1.25	1.37
NPAs / Loans and OREO	3.23	2.5	1.97	1.81	2
NPAs / Equity	40.39	30.48	22.7	19.49	20.15
Allowance for Credit Losses / Net Charge-offs %	314.49	248.46	390.96	719.73	512.73
Allowance for Credit Losses / Nonperforming Loans %	40.97	36.19	39.28	34.1	26.04
Allowance for Credit Losses / Total Loans %	1.32	0.9	0.77	0.62	0.52
Provision for Loan Losses / Net Charge-offs %	208.6	-4.71	7.5	-70.85	-7.87
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.51	5.41	5.75	6.2	6.59
Total Average Equity / Total Average Assets %	5.51	5.41	5.75	6.2	6.59
Total Equity + Allowance for Loan Losses / Total Loans %	9.31	9.09	9.46	9.89	10.47
Gross Loans / Total Deposits %	95.65	93.03	96.62	100.5	101.72
Net Loans / Total Deposits %	94.39	92.11	92.28	97.41	99.23
Tier 1 Capital Ratio %	19.5	18	16.7	15.7	16.9
Total Capital Ratio %	23.7	22.4	20.9	18.7	20.2
Core Tier 1 Capital Ratio	17.7	16.3	15.2	14.3	14.5
Tier 2 Capital Ratio	4.22	4.36	4.24	3.05	3.3
Coverage Ratio	40.97	36.19	39.28	34.1	26.04
Interbank Ratio	26.43	22.92	45.77	166.95	388.58
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	4.02	5.47	42.7	39.52	48.44
EBT + Interest Expense / Interest Expense	1.18	2.02	1.95	1.36	1.32
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-9.35	-11.14	4.07	15.81	3.58
Non Interest Income, 1 Yr. Growth %	-3.93	16.22	1.38	-3.31	0.86
Provision For Loan Losses, 1 Yr. Growth %	250.53	-102	-184.78	-505.13	-86.71
Total Revenues, 1 Yr. Growth %	-29.38	36.15	2.09	12.48	1.23
Earnings From Cont. Operations, 1 Yr. Growth %	-102.2	-2.84K	51.38	44.38	-10.9
Net Income, 1 Yr. Growth %	-102.2	-2.84K	51.75	44.38	-10.9
Normalized Net Income, 1 Yr. Growth %	-78.26	207.42	29.57	52.74	-5.79
Diluted EPS Before Extra, 1 Yr. Growth %	-108.16	-811.76	61.65	52.77	-9.13
Dividend Per Share, 1 Yr. Growth %	-	-	62.3	52.53	-10.6
Gross Loans, 1 Yr. Growth %	-4.51	2.19	-2.23	-0.78	0.69
Allowance For Loan Losses, 1 Yr. Growth %	42.82	-30.16	-16.16	-21.05	-14.7
Net Loans, 1 Yr. Growth %	-4.94	2.64	-5.68	0.7	1.34
Non Performing Loans, 1 Yr. Growth %	25.73	-20.92	-22.77	-9.04	11.71
Non Performing Assets, 1 Yr. Growth %	25.7	-20.9	-22.76	-9.04	11.7
Total Assets, 1 Yr. Growth %	5.48	0.88	-4.89	-0.44	1.89
Total Deposits, 1 Yr Growth %	11.08	5.19	-5.86	-4.61	-0.52
Tangible Book Value, 1 Yr. Growth %	-2.03	4.82	3.83	6	7.42
Common Equity, 1 Yr. Growth %	-2.24	4.79	3.72	5.93	8.03
Total Equity, 1 Yr. Growth %	-2.24	4.81	3.7	5.93	8.03
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-5.71	-10.25	-3.83	9.78	9.52
Non Interest Income, 2 Yr. CAGR %	-9.4	5.69	8.55	-0.99	-1.25
Provision For Loan Losses, 2 Yr. CAGR %	87.51	-73.54	-86.99	85.33	-26.62
Total Revenues, 2 Yr. CAGR %	-18.45	-1.94	17.9	7.16	6.71
Earnings From Cont. Operations, 2 Yr. CAGR %	-86.17	-22.34	544.29	47.84	13.42
Net Income, 2 Yr. CAGR %	-86.05	-22.43	544.29	48.02	13.42
Normalized Net Income, 2 Yr. CAGR %	-56.66	-18.24	99.58	40.68	19.96
Diluted EPS Before Extra, 2 Yr. CAGR %	-73.26	-23.36	239.2	57.17	17.82
Dividend Per Share, 2 Yr. CAGR %	-	-30.97	-	57.33	16.77
Gross Loans, 2 Yr. CAGR %	-3.07	-1.16	-0.05	-1.51	-0.04
Allowance For Loan Losses, 2 Yr. CAGR %	23.7	-0.12	-23.48	-18.65	-17.94
Net Loans, 2 Yr. CAGR %	-3.32	-1.22	-1.61	-2.54	1.02
Non Performing Loans, 2 Yr. CAGR %	18.43	-0.29	-21.85	-16.19	0.8
Non Performing Assets, 2 Yr. CAGR %	18.4	-0.29	-21.84	-16.18	0.8
Total Assets, 2 Yr. CAGR %	1.86	3.16	-2.05	-2.69	0.72
Total Deposits, 2 Yr CAGR %	4.99	8.09	-0.49	-5.24	-2.58
Tangible Book Value, 2 Yr. CAGR %	-0.79	1.34	4.32	4.91	6.71
Common Equity, 2 Yr. CAGR %	-0.87	1.21	4.25	4.82	6.97
Total Equity, 2 Yr. CAGR %	-0.87	1.22	4.26	4.81	6.98
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-3.17	-7.55	-5.71	2.31	7.67
Non Interest Income, 3 Yr. CAGR %	-10.19	-1.54	4.23	4.44	-0.38
Provision For Loan Losses, 3 Yr. CAGR %	231.88	-58.74	-60.99	-59.06	-23
Total Revenues, 3 Yr. CAGR %	-15.66	-3.25	-0.61	16.06	5.15
Earnings From Cont. Operations, 3 Yr. CAGR %	-74.74	-19.33	-2.99	291.34	24.88
Net Income, 3 Yr. CAGR %	-74.69	-18.95	-2.99	291.34	24.98
Normalized Net Income, 3 Yr. CAGR %	-46.75	-16.72	-4.68	82.56	23.08
Diluted EPS Before Extra, 3 Yr. CAGR %	-61.28	-19.85	-1.71	160.03	30.93
Dividend Per Share, 3 Yr. CAGR %	-	-25.07	-8.21	-	30.32
Gross Loans, 3 Yr. CAGR %	-2.53	-1.31	-1.52	-0.29	-0.78
Allowance For Loan Losses, 3 Yr. CAGR %	12.06	2.24	-5.79	-22.68	-17.35
Net Loans, 3 Yr. CAGR %	-2.68	-1.37	-2.73	-0.85	-1.27
Non Performing Loans, 3 Yr. CAGR %	7.04	3.51	-8.43	-17.8	-7.77
Non Performing Assets, 3 Yr. CAGR %	7.06	3.5	-8.43	-17.78	-7.76
Total Assets, 3 Yr. CAGR %	0.21	1.53	0.4	-1.52	-1.19
Total Deposits, 3 Yr CAGR %	3.11	5.06	3.23	-1.88	-3.69
Tangible Book Value, 3 Yr. CAGR %	-0.42	1.05	2.16	4.88	5.74
Common Equity, 3 Yr. CAGR %	-0.5	0.98	2.04	4.81	5.88
Total Equity, 3 Yr. CAGR %	-0.54	0.99	2.04	4.81	5.87
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-0.71	-3.63	-3.43	-0.97	0.11
Non Interest Income, 5 Yr. CAGR %	-2.91	4.02	-3.11	-1.32	2.01
Provision For Loan Losses, 5 Yr. CAGR %	35.46	-16.6	-9.15	-24.75	-49.77
Total Revenues, 5 Yr. CAGR %	-6.73	-1.19	-3.56	0.79	2.25
Earnings From Cont. Operations, 5 Yr. CAGR %	-52.82	-7.33	-7.72	2.78	3.27
Net Income, 5 Yr. CAGR %	-52.79	-7.37	-7.6	3.13	3.27
Normalized Net Income, 5 Yr. CAGR %	-26.58	-7.91	-9.67	2.71	4.5
Diluted EPS Before Extra, 5 Yr. CAGR %	-39.24	-8.34	-7.54	4.93	5.69
Dividend Per Share, 5 Yr. CAGR %	-	-6.2	-7.35	0.81	1.07
Gross Loans, 5 Yr. CAGR %	-2.39	-1.12	-1.52	-1.39	-0.93
Allowance For Loan Losses, 5 Yr. CAGR %	-4.44	-7.95	-3.8	-6.69	-10.85
Net Loans, 5 Yr. CAGR %	-2.36	-1.06	-2.26	-1.84	-1.25
Non Performing Loans, 5 Yr. CAGR %	-1.3	-5.54	-5.62	-4.87	-4.84
Non Performing Assets, 5 Yr. CAGR %	-1.29	-5.53	-5.6	-4.87	-4.84
Total Assets, 5 Yr. CAGR %	-0.58	0.23	-0.7	-0.18	0.53
Total Deposits, 5 Yr CAGR %	0.96	3.59	1.65	0.81	0.86
Tangible Book Value, 5 Yr. CAGR %	3.81	3.2	1.45	2.57	3.96
Common Equity, 5 Yr. CAGR %	3.62	3.04	1.37	2.5	3.99
Total Equity, 5 Yr. CAGR %	3.6	3.04	1.35	2.5	3.99