ABN AMRO Bank N.V. (AAVMY) Q4 2025 Earnings Call Transcript

SA Transcripts158.32K FollowersFollow5ShareSaveCommentsPlay Earnings CallPlay Earnings Call ABN AMRO Bank N.V. (AAVMY) Q4 2025 Earnings Call February 10, 2026 7:00 PM EST Company Participants Marguerite Bérard-Andrieu - CEO & Chairman of Executive BoardFerdinand Vaandrager - CFO & Member of Executive BoardSerena Fioravanti - Chief Risk Officer & Member of Executive Board Conference Call Participants Delphine Lee - JPMorgan Chase & Co, Research DivisionNamita Samtani - Barclays Bank PLC, Research DivisionGiulia Miotto - Morgan Stanley, Research DivisionJohan Ekblom - UBS Investment Bank, Research DivisionBenoit Petrarque - Kepler Cheuvreux, Research DivisionChris Hallam - Goldman Sachs Group, Inc., Research DivisionAlberto Artoni - Intesa Sanpaolo Equity ResearchAnke Reingen - RBC Capital Markets, Research DivisionFarquhar Murray - Autonomous Research US LP Presentation Operator Welcome to ABN AMRO's Q4 2025 Analyst and Investor Call. Please note this call is being recorded. [Operator Instructions] I will now hand the call over to the speakers. Please go ahead. Marguerite Bérard-AndrieuCEO & Chairman of Executive Board Good morning, and thank you for your patience. Welcome to ABN AMRO's Q4 and Full Year 2025 Results Presentation. I am joined today by our CFO, Ferdinand Vaandrager; and our CRO, Serena Fioravanti. After our presentation, we will open the line for your questions. But first, let me start with the highlights. It has been an important year of progress commercially, strategically and operationally, and Q4 capped out with a solid performance. We executed as we committed to, staying focused and disciplined in delivering on our strategy. I will list some of the main financial performance indicators before elaborating on the strategic progress underlying these numbers. Q4 delivered a net profit of EUR 410 million, supported by strong NII and fee income. During the fourth quarter, our market share for new mortgage production rose by 21%, resulting in a net increase of EUR 2.5 billion in mortgage volume.