ABN Amro reported fourth-quarter net profit of €410 million, falling short of the €477 million consensus estimate due to higher loan-loss provisions and restructuring costs. The Dutch bank's Basel IV common equity tier 1 ratio rose to 15.4%, exceeding expectations and providing a buffer for future growth. Loan-loss provisions of €70 million and restructuring costs of €59 million weighed on results.

Despite the profit miss, ABN Amro announced a larger-than-expected shareholder payout, distributing an additional €500 million through a €250 million cash dividend and €250 million share buyback. This brings total distributions for full-year 2025 to 87% of earnings, including a 50% ordinary payout. Net interest income reached €1.67 billion, above the €1.62 billion consensus, supported by treasury income.

The bank reaffirmed its 2026 and 2028 financial targets, including revenue above €10 billion by 2028 and a return on equity above 12%. ABN Amro expects commercial liability net interest income in 2026 to benefit from improving deposit margins, while commercial asset margins face pressure. The planned acquisition of NIBC is now expected to impact the CET1 ratio by about 80 basis points in the second half of 2026.