Financial Ratios ABN AMRO Bank N.V.

Equities

ABN

NL0011540547

Banks

Market Closed - Euronext Amsterdam Other stock markets 16:38:44 10/09/2024 BST			Pre-market 07:10:47
14.95 ^EUR	-1.84%		14.98	+0.17%

09-02	ABN Amro Secures EU Clearance for Hauck Aufhäuser Acquisition	MT
09-02	ABN Amro: EU approves takeover of German HAL	CF

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Published financial data: ABN AMRO BANK N.V.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2019	2020	2021	2022	2023
Interest Income On Loans	9.7B	7.52B	6.76B	7.7B	15.85B
Interest Income On Investments	355M	290M	258M	236M	334M
Interest Income, Total	10.06B	7.82B	7.02B	7.93B	16.18B
Interest On Deposits	3.41B	1.83B	1.4B	2.46B	9.81B
Total Interest On Borrowings	181M	118M	411M	57M	92M
Interest Expense, Total	3.59B	1.95B	1.81B	2.51B	9.9B
Net Interest Income	6.47B	5.86B	5.21B	5.42B	6.28B
Income From Trading Activities	84M	163M	145M	282M	213M
Gain (Loss) on Sale of Loans	-	-	-108M	1M	-75M
Gain (Loss) on Sale of Assets	233M	275M	330M	147M	33M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	39M	2M	42M	-	-
Income (Loss) on Equity Invest. (Income Block)	52M	29M	23M	107M	41M
Total Other Non Interest Income	1.73B	1.58B	1.95B	1.88B	2.13B
Non Interest Income, Total	2.14B	2.05B	2.39B	2.42B	2.34B
Revenues Before Provison For Loan Losses	8.6B	7.92B	7.6B	7.84B	8.62B
Provision For Loan Losses	657M	2.3B	-46M	39M	-158M
Total Revenues	7.95B	5.61B	7.64B	7.8B	8.78B
Salaries And Other Employee Benefits	2.2B	2.18B	2.32B	2.46B	2.49B
Occupancy Expense	229M	219M	195M	175M	169M
Selling General & Admin Expenses, Total	2.7B	2.52B	3.14B	2.7B	2.49B
Total Other Non Interest Expense	99M	95M	149M	96M	-1M
Non Interest Expense, Total	5.22B	5.02B	5.8B	5.43B	5.15B
EBT, Excl. Unusual Items	2.72B	596M	1.84B	2.37B	3.63B
Restructuring Charges	-3M	-160M	-	-	-
Impairment of Goodwill	-9M	-30M	-	-	-79M
Asset Writedown	-2M	-50M	1M	3M	-3M
Other Unusual Items	-30M	-	-	-	-
EBT, Incl. Unusual Items	2.68B	356M	1.84B	2.38B	3.54B
Income Tax Expense	634M	401M	604M	509M	847M
Earnings From Continuing Operations	2.05B	-45M	1.23B	1.87B	2.7B
Net Income to Company	2.05B	-45M	1.23B	1.87B	2.7B
Minority Interest	-	-	-3M	-	-
Net Income - (IS)	2.05B	-45M	1.23B	1.87B	2.7B
Preferred Dividend and Other Adjustments	105M	113M	91M	92M	92M
Net Income to Common Incl Extra Items	1.94B	-158M	1.14B	1.78B	2.6B
Net Income to Common Excl. Extra Items	1.94B	-158M	1.14B	1.78B	2.6B
Per Share Items
Net EPS - Basic	2.06	-0.17	1.21	1.96	2.99
Basic EPS - Continuing Operations	2.06	-0.17	1.21	1.96	2.99
Basic Weighted Average Shares Outstanding	940M	940M	940M	908M	872M
Net EPS - Diluted	2.06	-0.17	1.21	1.96	2.99
Diluted EPS - Continuing Operations	2.06	-0.17	1.21	1.96	2.99
Diluted Weighted Average Shares Outstanding	940M	940M	940M	908M	872M
Normalized Basic EPS	1.81	0.4	1.22	1.63	2.6
Normalized Diluted EPS	1.81	0.4	1.22	1.63	2.6
Dividend Per Share	1.28	-	0.61	0.99	1.51
Payout Ratio	69.45	-260	59.3	49.84	44.79
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	23.66	112.64	32.86	21.41	23.9
Total Current Taxes	662M	349M	676M	522M	825M
Total Deferred Taxes	-28M	52M	-72M	-13M	22M
Normalized Net Income	1.7B	372M	1.15B	1.48B	2.27B
Non-Cash Pension Expense	-5M	-3M	-7M	4M	6M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	14M	-2.6M	-	-	-
Total Stock-Based Compensation	14M	-2.6M	-	-	-

Fiscal Period: December	2019	2020	2021	2022	2023
Assets
Cash And Equivalents	28.44B	61.68B	67.6B	62.6B	55.05B
Investment Securities, Total	54.22B	55.53B	50.47B	50.47B	51.8B
Trading Asset Securities, Total	7.71B	7.68B	4.79B	6.17B	6.48B
Mortgage Backed Securities	3.65B	3.53B	3.17B	3.27B	5.05B
Total investments	65.58B	66.74B	58.43B	59.92B	63.32B
Gross Loans	276B	263B	269B	263B	261B
Allowance For Loan Losses	-2.43B	-3.47B	-2.42B	-2.03B	-1.6B
Other Adjustments to Gross Loans	-	-	-250M	-9.77B	-6.4B
Net Loans	273B	259B	266B	251B	253B
Gross Property Plant And Equipment	3.96B	3.28B	3.25B	2.81B	2.8B
Accumulated Depreciation	-2.26B	-2.03B	-2.08B	-1.82B	-1.82B
Net Property Plant And Equipment	1.71B	1.26B	1.17B	988M	978M
Goodwill	110M	78M	79M	78M	0
Other Intangibles, Total	68M	50M	48M	30M	99M
Accrued Interest Receivable	498M	575M	564M	496M	492M
Other Receivables	2.01B	2.47B	2.4B	2.29B	2.06B
Restricted Cash	296M	212M	431M	7M	1M
Other Current Assets, Total	467M	703M	367M	50M	154M
Deferred Tax Assets Long-Term (Collected)	590M	675M	620M	497M	278M
Other Long-Term Assets, Total	2.16B	2.02B	1.39B	1.74B	2.83B
Total Assets	375B	396B	399B	380B	378B
Liabilities
Accrued Expenses, Total	1.1B	1.06B	1.01B	1.07B	1.09B
Interest Bearing Deposits	32.19B	54.1B	55.52B	47.48B	57.31B
Non-Interest Bearing Deposits	215B	220B	233B	224B	202B
Total Deposits	247B	275B	289B	272B	259B
Short-Term Borrowings	7.27B	8.92B	5.31B	5.19B	3.61B
Current Portion of Long-Term Debt	32.83B	31.37B	27.31B	30.71B	28.82B
Current Portion of Leases	64M	66M	59M	88M	92M
Long-Term Debt	60.54B	54.19B	48.93B	42.08B	54.39B
Long-Term Leases	199M	254M	426M	325M	334M
Current Income Taxes Payable	42M	26M	101M	22M	159M
Other Current Liabilities - (Bank / Utility Template)	675M	563M	687M	641M	917M
Pension & Other Post Retirement Benefits	74M	106M	79M	75M	76M
Deferred Tax Liability Non-Current	21M	4M	-	-	-
Other Non Current Liabilities	3.58B	3.49B	4.38B	4.68B	4.89B
Total Liabilities	354B	375B	377B	357B	354B
Common Stock, Total	940M	940M	940M	898M	866M
Additional Paid In Capital	12.97B	12.97B	12.97B	12.53B	12.19B
Retained Earnings	2.05B	-45M	1.23B	1.87B	2.7B
Comprehensive Income and Other	5.52B	7.12B	6.85B	7.52B	8.41B
Total Common Equity	21.47B	20.99B	21.99B	22.81B	24.16B
Minority Interest	-	-	5M	2M	3M
Total Equity	21.47B	20.99B	22B	22.81B	24.17B
Total Liabilities And Equity	375B	396B	399B	380B	378B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	940M	940M	940M	898M	866M
ECS Total Common Shares Outstanding	940M	940M	940M	898M	866M
Book Value / Share	22.84	22.33	23.4	25.42	27.92
Tangible Book Value	21.29B	20.86B	21.87B	22.7B	24.07B
Tangible Book Value Per Share	22.65	22.19	23.26	25.3	27.8
Tangible Book Value Per Share (As Reported)	20.54	20.08	21.15	23.08	25.51
Total Debt	101B	94.8B	82.04B	78.4B	87.24B
Deposits at Interest - Cash	28.26B	61.79B	68.02B	62.27B	54.76B
Debt Equivalent of Unfunded Proj. Benefit Obligation	229M	241M	215M	198M	204M
Net Debt	52.8B	14.44B	-258M	-4.61B	10.7B
Equity Method Investments, Total	639M	593M	564M	474M	333M
Full Time Employees	17.98K	19.23K	19.96K	20.04K	20.87K
Number Of Offices	-	-	77	27	25
Assets on Operating Lease - Gross	-	969M	923M	796M	646M
Assets on Operating Lease - Accumulated Depreciation	-	-369M	-389M	-369M	-308M

Fiscal Period: December	2019	2020	2021	2022	2023
Net Income	2.05B	-45M	1.23B	1.87B	2.7B
Depreciation, Depletion & Amortization	355M	194M	175M	156M	155M
Amortization of Goodwill and Intangible Assets - (CF)	7M	7M	6M	7M	4M
Total Depreciation, Depletion & Amortization	362M	201M	181M	163M	159M
Amortization of Deferred Charges, Total	21M	18M	14M	12M	10M
(Gain) Loss on Sale of Investments - (CF)	1.63B	516M	-	-	-
Total Asset Writedown	11M	80M	-1.62B	6.75B	545M
Restructuring Activities	-	-	-	-	-
Provision for Credit Losses	-	2.3B	-46M	39M	-158M
(Income) Loss On Equity Investments - (CF)	37M	-23M	44M	-77M	-15M
Change in Trading Asset Securities	-616M	-998M	2.55B	-580M	-412M
Change in Other Net Operating Assets (Collected)	-1.7B	38.84B	-6.24B	-20.7B	-11.57B
Other Operating Activities	1.01B	499M	1.07B	825M	879M
Cash from Operations	2.8B	41.39B	-2.82B	-11.7B	-7.87B
Capital Expenditure	-338M	-217M	-182M	-186M	-209M
Sale of Property, Plant, and Equipment	104M	412M	674M	127M	111M
Cash Acquisitions	435M	-24M	-14M	-13M	-23M
Divestitures	-1.18B	10M	194M	272M	68M
Purchase / Sale of Intangible Assets	-45M	-8M	-20M	-1M	-81M
Investment in Marketable and Equity Securities, Total	-2.24B	-2.65B	3.21B	-438M	-1.56B
Other Investing Activities, Total	-	0	1M	-	-27M
Cash from Investing	-3.26B	-2.48B	3.86B	-239M	-1.72B
Long-Term Debt Issued, Total	27.44B	28.24B	31.14B	36.77B	50.76B
Total Debt Issued	27.44B	28.24B	31.14B	36.77B	50.76B
Long-Term Debt Repaid, Total	-35.64B	-37.95B	-37.79B	-32.39B	-45.84B
Total Debt Repaid	-35.64B	-37.95B	-37.79B	-32.39B	-45.84B
Issuance of Common Stock	-	-	-	-	-
Repurchase of Common Stock	-	-	-	-501M	-500M
Common Dividends Paid	-1.42B	-117M	-730M	-931M	-1.21B
Common & Preferred Stock Dividends Paid	-1.42B	-117M	-730M	-931M	-1.21B
Net Increase (Decrease) in Deposit Accounts - (CF)	819M	3.92B	12.42B	3.56B	-1.21B
Other Financing Activities, Total	1M	-2M	-1M	-4M	1M
Cash from Financing	-8.81B	-5.91B	5.04B	6.51B	2.01B
Foreign Exchange Rate Adjustments	-21M	-57M	58M	14M	-22M
Miscellaneous Cash Flow Adjustments	-	-	1M	-	49M
Net Change in Cash	-9.29B	32.94B	6.14B	-5.42B	-7.56B
Supplemental Items
Cash Interest Paid	3.96B	1.83B	1.4B	2.46B	9.81B
Cash Income Tax Paid (Refund)	645M	373M	534M	544M	629M
Net Debt Issued / Repaid	-8.21B	-9.72B	-6.65B	4.38B	4.92B

Fiscal Period: December	2019	2020	2021	2022	2023
Profitability
Return on Assets	0.54	-0.01	0.31	0.48	0.71
Return On Equity %	9.55	-0.21	5.74	8.34	11.48
Return on Common Equity	9.06	-0.74	5.3	7.93	11.09
Shareholders Value Added	-515M	-2.49B	-1.34B	-813M	-118M
Margin Analysis
SG&A Margin	64.48	87.69	74.01	68.34	58.69
Net Interest Income / Total Revenues %	81.39	104.47	68.18	69.5	71.55
EBT Excl. Non-Recurring Items Margin %	34.28	10.62	24.04	30.43	41.32
Income From Continuing Operations Margin %	25.75	-0.8	16.15	23.94	30.73
Net Income Margin %	25.75	-0.8	16.11	23.94	30.73
Net Avail. For Common Margin %	24.42	-2.82	14.92	22.76	29.68
Normalized Net Income Margin	21.42	6.64	14.98	19.02	25.82
Asset quality
Nonperforming Loans / Total Loans %	2.52	3.23	2.49	1.97	1.81
Nonperforming Loans / Total Assets %	1.85	2.14	1.68	1.36	1.25
Nonperforming Assets / Total Assets %	1.85	2.14	1.68	1.36	1.25
NPAs / Loans and OREO	2.52	3.23	2.5	1.97	1.81
NPAs / Equity	32.38	40.39	30.48	22.7	19.49
Allowance for Credit Losses / Net Charge-offs %	466.6	314.49	248.46	390.96	719.73
Allowance for Credit Losses / Nonperforming Loans %	34.99	40.97	36.19	39.28	34.1
Allowance for Credit Losses / Total Loans %	0.88	1.32	0.9	0.77	0.62
Provision for Loan Losses / Net Charge-offs %	126.1	208.6	-4.71	7.5	-70.85
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.66	5.51	5.41	5.75	6.2
Total Average Equity / Total Average Assets %	5.66	5.51	5.41	5.75	6.2
Total Equity + Allowance for Loan Losses / Total Loans %	8.67	9.31	9.09	9.46	9.89
Gross Loans / Total Deposits %	111.47	95.65	93.03	96.62	100.5
Net Loans / Total Deposits %	110.49	94.39	92.11	92.28	97.41
Tier 1 Capital Ratio %	19.9	19.5	18	16.7	15.7
Total Capital Ratio %	25.9	23.7	22.4