ABN AMRO Financial institution N.V. (OTCPK:AAVMY) Q3 2025 Earnings Name November 12, 2025 3:00 AM EST
Firm Members
Marguerite Bérard-Andrieu – CEO & Chairman of Government Board
Ferdinand Vaandrager – CFO & Member of Government Board
Convention Name Members
Giulia Miotto – Morgan Stanley, Analysis Division
Namita Samtani – Barclays Financial institution PLC, Analysis Division
Tarik El Mejjad – BofA Securities, Analysis Division
Benoit Petrarque – Kepler Cheuvreux, Analysis Division
Benjamin Goy – Deutsche Financial institution AG, Analysis Division
Chris Hallam – Goldman Sachs Group, Inc., Analysis Division
Farquhar Murray – Autonomous Analysis US LP
Delphine Lee – JPMorgan Chase & Co, Analysis Division
Juan Lopez Cobo – Banco Santander, S.A., Analysis Division
Anke Reingen – RBC Capital Markets, Analysis Division
Jason Kalamboussis – ING Groep N.V., Analysis Division
Presentation
Operator
Welcome to ABN AMRO’s Q3 2025 Analyst and Investor Name. Please word, this name is being recorded. [Operator Instructions].
I’ll now hand the decision over to audio system. Please go forward.
Marguerite Bérard-Andrieu
CEO & Chairman of Government Board
Good morning, and welcome to ABN AMRO’s Q3 outcomes presentation. I am joined at the moment by our CFO, Ferdinand Vaandrager; and our CRO, Serena Fioravanti. After our presentation, we’ll maintain a Q&A session to handle all of your questions.
Let me start with the highlights of the third quarter on Slide 2 earlier than transferring to the announcement of our intention to amass NIBC.
The third quarter was one other strong quarter for ABN AMRO. Web revenue reached EUR 617 million with a return on fairness of 9.5%. The inclusion of HAL contributed EUR 26 million to our outcomes throughout all merchandise we managed to develop this quarter. Our mortgage portfolio elevated by EUR 2.1 billion and company loans grew by the identical quantity. Web new property elevated by EUR 4.3 billion. Price self-discipline stays a precedence with FTEs declining by 700 in Q3 and by virtually 1,000 year-to-date, excluding HAL.
