Income Statement ABN AMRO Bank N.V.

Equities

ABN

NL0011540547

Banks

Real-time Euronext Amsterdam Other stock markets 09:31:31 15/05/2026 BST			5-day change	1st Jan Change
32.22 ^EUR	-2.04%		+7.98%	+8.12%

07:33am	RBC Lifts Price Target, Estimates for ABN Amro Bank Amid Consistent Strategy Delivery	MT
05-13	ABN Amro: Q1: Cost-driven beat points to costs guidance upgrade

089.gtXY8w_-OxunOGuIofTiDlX1ujA15wFdDCFpy2z9qsM.u721lGiwcy7BSADnwJeoTwWs5XtUq25laGUrqCCEnZLL4beaWaphK-IJLg

Published financial data: ABN AMRO BANK N.V.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	6.76B	7.7B	15.85B	16.76B	14.2B
Interest Income On Investments	258M	236M	334M	351M	253M
Interest Income, Total	7.02B	7.93B	16.18B	17.11B	14.46B
Interest On Deposits	1.4B	2.46B	9.81B	10.53B	8.02B
Total Interest On Borrowings	411M	57M	92M	72M	103M
Interest Expense, Total	1.81B	2.51B	9.9B	10.6B	8.12B
Net Interest Income	5.21B	5.42B	6.28B	6.5B	6.34B
Income From Trading Activities	145M	282M	213M	283M	219M
Gain (Loss) on Sale of Loans	-108M	1M	-75M	-71M	-29M
Gain (Loss) on Sale of Assets	330M	147M	33M	-22M	1M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	42M	-	-	-	-
Income (Loss) on Equity Invest. (Income Block)	23M	107M	41M	9M	28M
Total Other Non Interest Income	1.95B	1.88B	2.13B	2.16B	2.16B
Non Interest Income, Total	2.39B	2.42B	2.34B	2.36B	2.38B
Revenues Before Provison For Loan Losses	7.6B	7.84B	8.62B	8.86B	8.72B
Provision For Loan Losses	-46M	39M	-158M	-21M	20M
Total Revenues	7.64B	7.8B	8.78B	8.88B	8.7B
Salaries And Other Employee Benefits	2.32B	2.46B	2.49B	2.78B	3.1B
Occupancy Expense	195M	175M	169M	160M	174M
Selling General & Admin Expenses, Total	3.14B	2.7B	2.49B	2.53B	2.33B
Total Other Non Interest Expense	149M	96M	-1M	1M	2M
Non Interest Expense, Total	5.8B	5.43B	5.15B	5.47B	5.61B
EBT, Excl. Unusual Items	1.84B	2.37B	3.63B	3.42B	3.09B
Restructuring Charges	-	-	-	-	-
Impairment of Goodwill	-	-	-79M	-	-
Asset Writedown	1M	3M	-3M	-	-6M
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	1.84B	2.38B	3.54B	3.42B	3.09B
Income Tax Expense	604M	509M	847M	1.01B	834M
Earnings From Continuing Operations	1.23B	1.87B	2.7B	2.4B	2.25B
Net Income to Company	1.23B	1.87B	2.7B	2.4B	2.25B
Minority Interest	-3M	-	-	-	-
Net Income - (IS)	1.23B	1.87B	2.7B	2.4B	2.25B
Preferred Dividend and Other Adjustments	91M	92M	92M	120M	217M
Net Income to Common Incl Extra Items	1.14B	1.78B	2.6B	2.28B	2.04B
Net Income to Common Excl. Extra Items	1.14B	1.78B	2.6B	2.28B	2.04B
Per Share Items
Net EPS - Basic	1.21	1.96	2.99	2.72	2.45
Basic EPS - Continuing Operations	1.21	1.96	2.99	2.72	2.45
Basic Weighted Average Shares Outstanding	940M	908M	872M	841M	830M
Net EPS - Diluted	1.21	1.96	2.99	2.72	2.45
Diluted EPS - Continuing Operations	1.21	1.96	2.99	2.72	2.45
Diluted Weighted Average Shares Outstanding	940M	908M	872M	841M	830M
Normalized Basic EPS	1.22	1.63	2.6	2.54	2.33
Normalized Diluted EPS	1.22	1.63	2.6	2.54	2.33
Dividend Per Share	0.61	0.99	1.51	1.35	1.24
Payout Ratio	59.3	49.84	44.79	56.76	57.82
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	32.86	21.41	23.9	29.65	27.03
Total Current Taxes	676M	522M	825M	961M	819M
Total Deferred Taxes	-72M	-13M	22M	52M	15M
Normalized Net Income	1.15B	1.48B	2.27B	2.14B	1.93B
Non-Cash Pension Expense	-7M	4M	6M	10M	6M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	-	-	-	-	-
Total Stock-Based Compensation	-	-	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	67.6B	62.6B	55.05B	45.63B	50.62B
Investment Securities, Total	50.47B	50.47B	51.8B	62.12B	75.02B
Trading Asset Securities, Total	4.79B	6.17B	6.48B	7.21B	6.44B
Mortgage Backed Securities	3.17B	3.27B	5.05B	5.29B	5.4B
Total investments	58.43B	59.92B	63.32B	74.62B	86.86B
Gross Loans	269B	263B	261B	262B	273B
Allowance For Loan Losses	-2.42B	-2.03B	-1.6B	-1.37B	-1.22B
Other Adjustments to Gross Loans	-250M	-9.77B	-6.4B	-5.06B	-5.48B
Net Loans	266B	251B	253B	256B	266B
Gross Property Plant And Equipment	3.25B	2.81B	2.8B	2.89B	2.92B
Accumulated Depreciation	-2.08B	-1.82B	-1.82B	-1.82B	-1.7B
Net Property Plant And Equipment	1.17B	988M	978M	1.07B	1.22B
Goodwill	79M	78M	0	45M	45M
Other Intangibles, Total	48M	30M	99M	208M	311M
Accrued Interest Receivable	564M	496M	492M	503M	536M
Other Receivables	2.4B	2.29B	2.06B	2.81B	2.64B
Restricted Cash	431M	7M	1M	-	-
Other Current Assets, Total	367M	50M	154M	1.62B	2.54B
Deferred Tax Assets Long-Term (Collected)	620M	497M	278M	275M	114M
Other Long-Term Assets, Total	1.39B	1.74B	2.83B	2.24B	1.83B
Total Assets	399B	380B	378B	385B	413B
Liabilities
Accrued Expenses, Total	1.01B	1.07B	1.09B	1.19B	1.08B
Interest Bearing Deposits	55.52B	47.48B	57.31B	55.75B	282B
Non-Interest Bearing Deposits	233B	224B	202B	202B	1.37B
Total Deposits	289B	272B	259B	258B	283B
Short-Term Borrowings	5.31B	5.19B	3.61B	3.08B	2.71B
Current Portion of Long-Term Debt	27.31B	30.71B	28.82B	38.68B	35.15B
Current Portion of Leases	59M	88M	92M	89M	107M
Long-Term Debt	48.93B	42.08B	54.39B	52.72B	59.01B
Long-Term Leases	426M	325M	334M	293M	298M
Current Income Taxes Payable	101M	22M	159M	395M	118M
Other Current Liabilities - (Bank / Utility Template)	687M	641M	917M	1.16B	1.63B
Pension & Other Post Retirement Benefits	79M	75M	76M	76M	65M
Deferred Tax Liability Non-Current	-	-	-	-	65M
Other Non Current Liabilities	4.38B	4.68B	4.89B	3.21B	3.05B
Total Liabilities	377B	357B	354B	359B	386B
Common Stock, Total	940M	898M	866M	833M	823M
Additional Paid In Capital	12.97B	12.53B	12.19B	11.85B	11.74B
Retained Earnings	1.23B	1.87B	2.7B	2.4B	2.25B
Comprehensive Income and Other	6.85B	7.52B	8.41B	11.02B	12.22B
Total Common Equity	21.99B	22.81B	24.16B	26.1B	27.04B
Minority Interest	5M	2M	3M	3M	3M
Total Equity	22B	22.81B	24.17B	26.11B	27.04B
Total Liabilities And Equity	399B	380B	378B	385B	413B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	940M	898M	866M	833M	823M
ECS Total Common Shares Outstanding	940M	898M	866M	833M	823M
Book Value / Share	23.4	25.42	27.92	31.34	32.85
Tangible Book Value	21.87B	22.7B	24.07B	25.85B	26.68B
Tangible Book Value Per Share	23.26	25.3	27.8	31.03	32.41
Tangible Book Value Per Share (As Reported)	21.15	23.08	25.51	26.86	28.49
Total Debt	82.04B	78.4B	87.24B	94.87B	97.27B
Deposits at Interest - Cash	68.02B	62.27B	54.76B	45.22B	50.14B
Debt Equivalent of Unfunded Proj. Benefit Obligation	215M	198M	204M	216M	208M
Net Debt	-258M	-4.61B	10.7B	22.04B	10.26B
Equity Method Investments, Total	564M	474M	333M	244M	233M
Full Time Employees	19.96K	20.04K	20.87K	21.98K	23.13K
Number Of Offices	77	-	-	-	-
Assets on Operating Lease - Gross	923M	796M	646M	569M	408M
Assets on Operating Lease - Accumulated Depreciation	-389M	-369M	-308M	-263M	-176M

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	1.23B	1.87B	2.7B	2.4B	2.25B
Depreciation, Depletion & Amortization	175M	156M	155M	147M	149M
Amortization of Goodwill and Intangible Assets - (CF)	6M	7M	4M	2M	4M
Total Depreciation, Depletion & Amortization	181M	163M	159M	149M	153M
Amortization of Deferred Charges, Total	14M	12M	10M	11M	21M
(Gain) Loss on Sale of Investments - (CF)	-	-	-	-	-
Total Asset Writedown	-1.62B	6.75B	545M	-1.95B	2.24B
Restructuring Activities	-	-	-	-	-
Provision for Credit Losses	-46M	39M	-158M	-21M	20M
(Income) Loss On Equity Investments - (CF)	44M	-77M	-15M	14M	-18M
Change in Trading Asset Securities	2.55B	-580M	-412M	-1.3B	1.3B
Change in Other Net Operating Assets (Collected)	-6.24B	-20.7B	-11.57B	-12.63B	-15.28B
Other Operating Activities	1.07B	825M	879M	1.16B	441M
Cash from Operations	-2.82B	-11.7B	-7.87B	-12.16B	-8.87B
Capital Expenditure	-182M	-186M	-209M	-312M	-294M
Sale of Property, Plant, and Equipment	674M	127M	111M	48M	70M
Cash Acquisitions	-14M	-13M	-23M	-25M	5.96B
Divestitures	194M	272M	68M	183M	45M
Purchase / Sale of Intangible Assets	-20M	-1M	-81M	-140M	-98M
Investment in Marketable and Equity Securities, Total	3.21B	-438M	-1.56B	-4.57B	-1.11B
Other Investing Activities, Total	1M	-	-27M	1M	-1M
Cash from Investing	3.86B	-239M	-1.72B	-4.81B	4.56B
Long-Term Debt Issued, Total	31.14B	36.77B	50.76B	45.14B	49.67B
Total Debt Issued	31.14B	36.77B	50.76B	45.14B	49.67B
Long-Term Debt Repaid, Total	-37.79B	-32.39B	-45.84B	-37.11B	-49.87B
Total Debt Repaid	-37.79B	-32.39B	-45.84B	-37.11B	-49.87B
Issuance of Common Stock	-	-	-	-	-
Repurchase of Common Stock	-	-501M	-500M	-500M	-267M
Common Dividends Paid	-730M	-931M	-1.21B	-1.36B	-1.3B
Common & Preferred Stock Dividends Paid	-730M	-931M	-1.21B	-1.36B	-1.3B
Net Increase (Decrease) in Deposit Accounts - (CF)	12.42B	3.56B	-1.21B	1.36B	11.1B
Other Financing Activities, Total	-1M	-4M	1M	-1M	-
Cash from Financing	5.04B	6.51B	2.01B	7.53B	9.33B
Foreign Exchange Rate Adjustments	58M	14M	-22M	19M	-39M
Miscellaneous Cash Flow Adjustments	1M	-	49M	-	-
Net Change in Cash	6.14B	-5.42B	-7.56B	-9.42B	4.99B
Supplemental Items
Cash Interest Paid	1.4B	2.46B	9.81B	10.42B	8.02B
Cash Income Tax Paid (Refund)	534M	544M	629M	737M	1.08B
Net Debt Issued / Repaid	-6.65B	4.38B	4.92B	8.03B	-203M

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.31	0.48	0.71	0.63	0.56
Return On Equity %	5.74	8.34	11.48	9.56	8.47
Return on Common Equity	5.3	7.93	11.09	9.08	7.66
Shareholders Value Added	-1.34B	-813M	-118M	-611M	-933M
Margin Analysis
SG&A Margin	74.01	68.34	58.69	61.54	64.43
Net Interest Income / Total Revenues %	68.18	69.5	71.55	73.21	72.84
EBT Excl. Non-Recurring Items Margin %	24.04	30.43	41.32	38.45	35.55
Income From Continuing Operations Margin %	16.15	23.94	30.73	27.05	25.89
Net Income Margin %	16.11	23.94	30.73	27.05	25.89
Net Avail. For Common Margin %	14.92	22.76	29.68	25.7	23.4
Normalized Net Income Margin	14.98	19.02	25.82	24.03	22.22
Asset quality
Nonperforming Loans / Total Loans %	2.49	1.97	1.81	2	1.98
Nonperforming Loans / Total Assets %	1.68	1.36	1.25	1.37	1.31
Nonperforming Assets / Total Assets %	1.68	1.36	1.25	1.37	1.31
NPAs / Loans and OREO	2.5	1.97	1.81	2	1.98
NPAs / Equity	30.48	22.7	19.49	20.15	20.04
Allowance for Credit Losses / Net Charge-offs %	248.46	390.96	719.73	512.73	760.87
Allowance for Credit Losses / Nonperforming Loans %	36.19	39.28	34.1	26.04	22.61
Allowance for Credit Losses / Total Loans %	0.9	0.77	0.62	0.52	0.45
Provision for Loan Losses / Net Charge-offs %	-4.71	7.5	-70.85	-7.87	12.42
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.41	5.75	6.2	6.59	6.66
Total Average Equity / Total Average Assets %	5.41	5.75	6.2	6.59	6.66
Total Equity + Allowance for Loan Losses / Total Loans %	9.09	9.46	9.89	10.47	10.35
Gross Loans / Total Deposits %	93.03	96.62	100.5	101.72	96.58
Net Loans / Total Deposits %	92.11	92.28	97.41	99.23	94.21
Tier 1 Capital Ratio %	18	16.7	15.7	16.9	17.8
Total Capital Ratio %	22.4	20.9	18.7	20.2	20.9
Core Tier 1 Capital Ratio	16.3	15.2	14.3	14.5	15.4
Tier 2 Capital Ratio	4.36	4.24	3.05	3.3	3.04
Coverage Ratio	36.19	39.28	34.1	26.04	22.61
Interbank Ratio	22.92	45.77	166.95	388.58	743.7
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	5.47	42.7	39.52	48.44	30.96
EBT + Interest Expense / Interest Expense	2.02	1.95	1.36	1.32	1.38
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-11.14	4.07	15.81	3.58	-2.58
Non Interest Income, 1 Yr. Growth %	16.22	1.38	-3.31	0.86	0.97
Provision For Loan Losses, 1 Yr. Growth %	-102	-184.78	-505.13	-86.71	-195.24
Total Revenues, 1 Yr. Growth %	36.15	2.09	12.48	1.23	-2.09
Earnings From Cont. Operations, 1 Yr. Growth %	-2.84K	51.38	44.38	-10.9	-6.28
Net Income, 1 Yr. Growth %	-2.84K	51.75	44.38	-10.9	-6.28
Normalized Net Income, 1 Yr. Growth %	207.42	29.57	52.74	-5.79	-9.48
Diluted EPS Before Extra, 1 Yr. Growth %	-811.76	61.65	52.77	-9.13	-9.69
Dividend Per Share, 1 Yr. Growth %	-	62.3	52.53	-10.6	-8.15
Gross Loans, 1 Yr. Growth %	2.19	-2.23	-0.78	0.69	4.24
Allowance For Loan Losses, 1 Yr. Growth %	-30.16	-16.16	-21.05	-14.7	-10.52
Net Loans, 1 Yr. Growth %	2.64	-5.68	0.7	1.34	4.09
Non Performing Loans, 1 Yr. Growth %	-20.92	-22.77	-9.04	11.71	3.02
Non Performing Assets, 1 Yr. Growth %	-20.9	-22.76	-9.04	11.7	3
Total Assets, 1 Yr. Growth %	0.88	-4.89	-0.44	1.89	7.31
Total Deposits, 1 Yr Growth %	5.19	-5.86	-4.61	-0.52	9.63
Tangible Book Value, 1 Yr. Growth %	4.82	3.83	6	7.42	3.22
Common Equity, 1 Yr. Growth %	4.79	3.72	5.93	8.03	3.58
Total Equity, 1 Yr. Growth %	4.81	3.7	5.93	8.03	3.58
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-10.25	-3.83	9.78	9.52	0.45
Non Interest Income, 2 Yr. CAGR %	5.69	8.55	-0.99	-1.25	0.92
Provision For Loan Losses, 2 Yr. CAGR %	-73.54	-86.99	85.33	-26.62	-64.42
Total Revenues, 2 Yr. CAGR %	-1.94	17.9	7.16	6.71	-0.45
Earnings From Cont. Operations, 2 Yr. CAGR %	-22.34	544.29	47.84	13.42	-8.62
Net Income, 2 Yr. CAGR %	-22.43	544.29	48.02	13.42	-8.62
Normalized Net Income, 2 Yr. CAGR %	-18.24	99.58	40.68	19.96	-7.66
Diluted EPS Before Extra, 2 Yr. CAGR %	-23.36	239.2	57.17	17.82	-9.41
Dividend Per Share, 2 Yr. CAGR %	-30.97	-	57.33	16.77	-9.38
Gross Loans, 2 Yr. CAGR %	-1.16	-0.05	-1.51	-0.04	2.38
Allowance For Loan Losses, 2 Yr. CAGR %	-0.12	-23.48	-18.65	-17.94	-12.64
Net Loans, 2 Yr. CAGR %	-1.22	-1.61	-2.54	1.02	2.7
Non Performing Loans, 2 Yr. CAGR %	-0.29	-21.85	-16.19	0.8	7.28
Non Performing Assets, 2 Yr. CAGR %	-0.29	-21.84	-16.18	0.8	7.26
Total Assets, 2 Yr. CAGR %	3.16	-2.05	-2.69	0.72	4.57
Total Deposits, 2 Yr CAGR %	8.09	-0.49	-5.24	-2.58	4.44
Tangible Book Value, 2 Yr. CAGR %	1.34	4.32	4.91	6.71	5.3
Common Equity, 2 Yr. CAGR %	1.21	4.25	4.82	6.97	5.78
Total Equity, 2 Yr. CAGR %	1.22	4.26	4.81	6.98	5.78
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-7.55	-5.71	2.31	7.67	5.33
Non Interest Income, 3 Yr. CAGR %	-1.54	4.23	4.44	-0.38	-0.51
Provision For Loan Losses, 3 Yr. CAGR %	-58.74	-60.99	-59.06	-23	-19.96
Total Revenues, 3 Yr. CAGR %	-3.25	-0.61	16.06	5.15	3.69
Earnings From Cont. Operations, 3 Yr. CAGR %	-19.33	-2.99	291.34	24.88	6.43
Net Income, 3 Yr. CAGR %	-18.95	-2.99	291.34	24.98	6.43
Normalized Net Income, 3 Yr. CAGR %	-16.72	-4.68	82.56	23.08	9.21
Diluted EPS Before Extra, 3 Yr. CAGR %	-19.85	-1.71	160.03	30.93	7.83
Dividend Per Share, 3 Yr. CAGR %	-25.07	-8.21	-	30.32	7.79
Gross Loans, 3 Yr. CAGR %	-1.31	-1.52	-0.29	-0.78	1.32
Allowance For Loan Losses, 3 Yr. CAGR %	2.24	-5.79	-22.68	-17.35	-15.54
Net Loans, 3 Yr. CAGR %	-1.37	-2.73	-0.85	-1.27	2.03
Non Performing Loans, 3 Yr. CAGR %	3.51	-8.43	-17.8	-7.77	1.54
Non Performing Assets, 3 Yr. CAGR %	3.5	-8.43	-17.78	-7.76	1.53
Total Assets, 3 Yr. CAGR %	1.53	0.4	-1.52	-1.19	2.87
Total Deposits, 3 Yr CAGR %	5.06	3.23	-1.88	-3.69	1.33
Tangible Book Value, 3 Yr. CAGR %	1.05	2.16	4.88	5.74	5.53
Common Equity, 3 Yr. CAGR %	0.98	2.04	4.81	5.88	5.83
Total Equity, 3 Yr. CAGR %	0.99	2.04	4.81	5.87	5.83
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-3.63	-3.43	-0.97	0.11	1.56
Non Interest Income, 5 Yr. CAGR %	4.02	-3.11	-1.32	2.01	3.02
Provision For Loan Losses, 5 Yr. CAGR %	-16.6	-9.15	-24.75	-49.77	-61.3
Total Revenues, 5 Yr. CAGR %	-1.19	-3.56	0.79	2.25	9.16
Earnings From Cont. Operations, 5 Yr. CAGR %	-7.33	-7.72	2.78	3.27	118.71
Net Income, 5 Yr. CAGR %	-7.37	-7.6	3.13	3.27	118.71
Normalized Net Income, 5 Yr. CAGR %	-7.91	-9.67	2.71	4.5	38.99
Diluted EPS Before Extra, 5 Yr. CAGR %	-8.34	-7.54	4.93	5.69	70.55
Dividend Per Share, 5 Yr. CAGR %	-6.2	-7.35	0.81	1.07	-
Gross Loans, 5 Yr. CAGR %	-1.12	-1.52	-1.39	-0.93	0.77
Allowance For Loan Losses, 5 Yr. CAGR %	-7.95	-3.8	-6.69	-10.85	-18.81
Net Loans, 5 Yr. CAGR %	-1.06	-2.26	-1.84	-1.25	0.56
Non Performing Loans, 5 Yr. CAGR %	-5.54	-5.62	-4.87	-4.84	-8.56
Non Performing Assets, 5 Yr. CAGR %	-5.53	-5.6	-4.87	-4.84	-8.56
Total Assets, 5 Yr. CAGR %	0.23	-0.7	-0.18	0.53	0.87
Total Deposits, 5 Yr CAGR %	3.59	1.65	0.81	0.86	0.6
Tangible Book Value, 5 Yr. CAGR %	3.2	1.45	2.57	3.96	5.05
Common Equity, 5 Yr. CAGR %	3.04	1.37	2.5	3.99	5.2
Total Equity, 5 Yr. CAGR %	3.04	1.35	2.5	3.99	5.2