ABN AMRO Bank

ABN AMRO Bank's capital adequacy ratio rose 16.7% yoy to 25.9% in 4Q2019

By Helgi Library - February 13, 2020

ABN AMRO Bank's capital adequacy ratio reached 25.9% at the end of fourth quarter of 2019, down from 26.3% when compared to the p...

ABN AMRO Bank's net profit rose 1.94% yoy to EUR 316 mil in 4Q2019

By Helgi Library - February 13, 2020

ABN AMRO Bank made a net profit of EUR 316 mil under revenues of EUR 2,181 mil in the fourth quarter of 2019, up 1.94% and do...

ABN AMRO Bank's net interest margin fell 3.60% yoy to 1.64% in 4Q2019

By Helgi Library - February 13, 2020

ABN AMRO Bank's net interest margin amounted to 1.64% in the fourth quarter of 2019, up from 1.64% when compared to the previous...

Profit Statement Jun 2019 Sep 2019 Dec 2019
Net Interest Income EUR mil 1,681 1,628 1,586
Net Fee Income EUR mil 413 410 397
Other Income EUR mil 455 474 198
Total Revenues EUR mil 2,549 2,512 2,181
Operating Profit EUR mil 1,240 1,257 796
Provisions EUR mil 130 112 314
Net Profit EUR mil 694 558 316
Balance Sheet Jun 2019 Sep 2019 Dec 2019
Interbank Loans EUR mil 18,842 6,418 5,011
Customer Loans EUR mil 275,515 275,892 268,101
Total Assets EUR mil 396,196 400,152 375,054
Shareholders' Equity EUR mil 21,314 20,995 21,471
Interbank Borrowing EUR mil 50,956 28,830 21,694
Customer Deposits EUR mil 242,745 248,232 234,991
Issued Debt Securities EUR mil 64,048 85,554 85,316
Ratios Jun 2019 Sep 2019 Dec 2019
ROE % 12.9 10.6 5.95
ROA % 0.702 0.561 0.326
Costs (As % Of Assets) % 1.32 1.26 1.43
Costs (As % Of Income) % 51.4 50.0 63.5
Capital Adequacy Ratio % 25.9 26.3 25.9
Net Interest Margin % 1.70 1.64 1.64
Loans (As % Of Deposits) % 114 111 114
NPLs (As % Of Loans) % 2.30 2.40 ...
Provisions (As % Of NPLs) % 33.9 32.7 ...
Valuation Jun 2019 Sep 2019 Dec 2019
Price/Earnings (P/E) 6.37 6.81 12.1
Price/Book Value (P/BV) 0.830 0.724 0.710
Earnings Per Share (EPS) 2.95 2.37 1.34
Book Value Per Share 22.7 22.3 22.8

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summary Unit Mar 2012 Jun 2012 Sep 2012 Dec 2012 Mar 2013 Jun 2013 Sep 2013 Dec 2013 Mar 2014 Jun 2014 Sep 2014 Dec 2014 Mar 2015 Jun 2015 Sep 2015 Dec 2015 Mar 2016 Jun 2016 Sep 2016 Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019
income statement                                                                
Net Interest Income EUR mil                                                   1,656 1,624 1,642 1,573 1,681    
Total Revenues EUR mil                                                   2,613 2,628 2,546 2,427 2,549    
Operating Profit EUR mil                                                   1,352 1,389 1,032 1,100 1,240    
Net Profit EUR mil                                                   697 731 310 478 694    
balance sheet                                                                
Interbank Loans EUR mil                                                   10,084 8,810 8,124 7,031 18,842    
Customer Loans EUR mil                                                   277,817 277,182 270,886 276,742 275,515    
Debt Securities EUR mil                                                   59,581 60,176 55,054 64,525 53,613    
Total Assets EUR mil                                                   395,365 392,419 381,295 394,228 396,196    
Shareholders' Equity EUR mil                                                   21,288 21,298 21,360 21,623 21,314    
Interbank Borrowing EUR mil                                                   28,120 31,393 21,097 27,833 50,956    
Customer Deposits EUR mil                                                   238,058 237,517 236,123 242,441 242,745    
Issued Debt Securities EUR mil                                                   87,934 88,315 90,589 83,901 64,048    
ratios                                                                
ROE %                                                   13.0 13.7 5.81 8.90 12.9    
ROA %                                                   0.704 0.742 0.321 0.493 0.702    
Costs (As % Of Assets) %                                                   1.27 1.26 1.57 1.37 1.32    
Costs (As % Of Income) %                                                   48.3 47.1 59.5 54.7 51.4    
Capital Adequacy Ratio %                                                   22.2 22.4 22.2 21.7 25.9    
Net Interest Margin %                                                   1.67 1.65 1.70 1.62 1.70    
Interest Income (As % Of Revenues) %                                                   63.4 61.8 64.5 64.8 65.9    
Fee Income (As % Of Revenues) % ... ... ...                                             16.2 15.9 16.7 17.1 16.2    
Equity (As % Of Assets) %                                                   5.38 5.43 5.60 5.48 5.38    
Loans (As % Of Deposits) %                                                   117 117 115 114 114    
Loans (As % Assets) %                                                   70.3 70.6 71.0 70.2 69.5    
NPLs (As % Of Loans) % ... ... ...                                             2.47 2.17 2.26 2.17 2.30   ...
Provisions (As % Of NPLs) % ... ... ...                                             39.9 37.5 70.0 34.9 33.9   ...
valuation                                                                
Market Capitalisation (End Of Period) USD mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...                     24,349 25,516 22,106 21,227 20,128    
Number Of Shares (Average) mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...                     940 940 940 940 940    
Share Price (End Of Period) ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...                     22.2 23.5 20.5 20.1 18.8    
Earnings Per Share (EPS) ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...                     2.97 3.11 1.32 2.03 2.95    
Book Value Per Share ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...                     22.6 22.7 22.7 23.0 22.7    
Price/Earnings (P/E) ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...                     7.49 7.54 15.6 9.88 6.37    
Price/Book Value (P/BV) ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...                     0.981 1.03 0.904 0.874 0.830    
Earnings Per Share Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...             -26.6 8.78 -42.7 -16.7 -0.430    
Book Value Per Share Growth % ... ... ... ...                                           7.18 1.58 0.141 0.764 0.122    
income statement Unit Mar 2012 Jun 2012 Sep 2012 Dec 2012 Mar 2013 Jun 2013 Sep 2013 Dec 2013 Mar 2014 Jun 2014 Sep 2014 Dec 2014 Mar 2015 Jun 2015 Sep 2015 Dec 2015 Mar 2016 Jun 2016 Sep 2016 Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019
income statement                                                                
Interest Income EUR mil ... ... ... ...                                           2,088 2,532 3,175 3,113 1,980    
Interest Cost EUR mil ... ... ... ...                                           432 908 1,533 1,540 299    
Net Interest Income EUR mil                                                   1,656 1,624 1,642 1,573 1,681    
Net Fee Income EUR mil ... ... ...                                             424 417 425 414 413    
Other Income EUR mil ... ... ...                                             533 587 479 440 455    
Total Revenues EUR mil                                                   2,613 2,628 2,546 2,427 2,549    
Operating Cost EUR mil                                                   1,261 1,239 1,514 1,327 1,309    
Operating Profit EUR mil                                                   1,352 1,389 1,032 1,100 1,240    
Provisions EUR mil                                                   133 106 208 102 130    
Extra and Other Cost EUR mil                                                   326 298 389 346 227    
Pre-Tax Profit EUR mil                                                   893 985 435 652 883    
Tax EUR mil                                                   192 247 119 174 189    
Minorities EUR mil                                     ... ...           4.00 7.00 6.00 0 0    
Net Profit EUR mil                                                   697 731 310 478 694    
growth rates                                                                
Net Interest Income Growth % ... ... ... ...                                           3.63 3.70 -3.24 -5.86 1.51    
Net Fee Income Growth % ... ... ... ... ... ... ...                                     -6.40 5.04 -4.06 -4.17 -2.59    
Total Revenue Growth % ... ... ... ...                                           -8.38 8.15 -7.15 -10.7 -2.45    
Operating Cost Growth % ... ... ... ...                                           -7.75 5.00 -6.49 -1.63 3.81    
Operating Profit Growth % ... ... ... ...                                           -8.96 11.1 -8.10 -19.7 -8.28    
Pre-Tax Profit Growth % ... ... ... ...                                           -26.9 8.36 -46.3 -15.7 -1.12    
Net Profit Growth % ... ... ... ...                                           -26.6 8.78 -42.7 -16.7 -0.430    
balance sheet Unit Mar 2012 Jun 2012 Sep 2012 Dec 2012 Mar 2013 Jun 2013 Sep 2013 Dec 2013 Mar 2014 Jun 2014 Sep 2014 Dec 2014 Mar 2015 Jun 2015 Sep 2015 Dec 2015 Mar 2016 Jun 2016 Sep 2016 Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019
balance sheet                                                                
Cash EUR mil                                                   28,826 29,982 34,371 29,373 31,526    
Interbank Loans EUR mil                                                   10,084 8,810 8,124 7,031 18,842    
Customer Loans EUR mil                                                   277,817 277,182 270,886 276,742 275,515    
Mortgage Loans EUR mil ... ... ...                                             152,541 149,960 150,892 147,910 151,183    
Consumer Loans EUR mil ... ... ...                                             12,329 12,522 12,263 12,367 12,270    
Corporate Loans EUR mil ... ... ...                                             109,857 113,820 108,907 115,148 107,702    
Debt Securities EUR mil                                                   59,581 60,176 55,054 64,525 53,613    
Total Assets EUR mil                                                   395,365 392,419 381,295 394,228 396,196    
Shareholders' Equity EUR mil                                                   21,288 21,298 21,360 21,623 21,314    
Of Which Minority Interest EUR mil                                                   43.0 43.0 2.00 2.00 0    
Liabilities EUR mil                                                   374,077 371,121 359,935 372,605 374,882    
Interbank Borrowing EUR mil                                                   28,120 31,393 21,097 27,833 50,956    
Customer Deposits EUR mil                                                   238,058 237,517 236,123 242,441 242,745    
Sight Deposits EUR mil ... ... ...                                             125,692 83,741 124,020 89,014 127,017    
Term Deposits EUR mil ... ... ...                                             112,366 153,776 112,103 153,427 115,728    
Issued Debt Securities EUR mil                                                   87,934 88,315 90,589 83,901 64,048    
Other Liabilities EUR mil                                                   19,965 13,896 12,126 18,430 17,133    
asset quality                                                                
Non-Performing Loans EUR mil ... ... ...                                             6,930 6,059 6,231 6,060 6,388   ...
Gross Loans EUR mil ... ... ...                                             280,584 279,452 275,247 278,859 277,682    
Provisions EUR mil                                                   133 106 208 102 130    
growth rates                                                                
Customer Loan Growth % ... ... ... ...                                           2.12 1.94 -1.46 0.331 -0.829    
Retail Loan Growth % ... ... ... ... ... ... ...                                     0.925 -0.820 -1.27 -1.67 -0.859    
Mortgage Loan Growth % ... ... ... ... ... ... ...                                     0.989 -0.965 -1.26 -1.83 -0.890    
Consumer Loan Growth % ... ... ... ... ... ... ...                                     0.138 0.951 -1.31 0.268 -0.479    
Corporate Loan Growth % ... ... ... ... ... ... ...                                     9.58 14.8 5.59 9.08 -1.96    
Total Asset Growth % ... ... ... ...                                           -2.09 -3.71 -3.02 -0.754 0.210    
Shareholders' Equity Growth % ... ... ... ...                                           7.18 1.58 0.141 0.764 0.122    
Customer Deposit Growth % ... ... ... ...                                           1.05 0.697 -0.244 3.50 1.97    
ratios Unit Mar 2012 Jun 2012 Sep 2012 Dec 2012 Mar 2013 Jun 2013 Sep 2013 Dec 2013 Mar 2014 Jun 2014 Sep 2014 Dec 2014 Mar 2015 Jun 2015 Sep 2015 Dec 2015 Mar 2016 Jun 2016 Sep 2016 Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019
ratios                                                                
ROE %                                                   13.0 13.7 5.81 8.90 12.9    
ROA %                                                   0.704 0.742 0.321 0.493 0.702    
Costs (As % Of Assets) %                                                   1.27 1.26 1.57 1.37 1.32    
Costs (As % Of Income) %                                                   48.3 47.1 59.5 54.7 51.4    
Capital Adequacy Ratio %                                                   22.2 22.4 22.2 21.7 25.9    
Tier 1 Ratio %                                                   19.2 19.5 19.3 18.9 19.8    
Net Interest Margin %                                                   1.67 1.65 1.70 1.62 1.70    
Interest Spread % ... ... ... ...                                           1.65 1.60 1.61 1.53 1.68    
Asset Yield % ...                                                 2.11 2.57 3.28 3.21 2.00    
Cost Of Liabilities % ... ... ... ...                                           0.461 0.975 1.68 1.68 0.320    
Payout Ratio %                                                   0 0 0 0 0    
Interest Income (As % Of Revenues) %                                                   63.4 61.8 64.5 64.8 65.9    
Fee Income (As % Of Revenues) % ... ... ...                                             16.2 15.9 16.7 17.1 16.2    
Other Income (As % Of Revenues) % ... ... ...                                             20.4 22.3 18.8 18.1 17.9    
Equity (As % Of Assets) %                                                   5.38 5.43 5.60 5.48 5.38    
Loans (As % Of Deposits) %                                                   117 117 115 114 114    
Loans (As % Assets) %                                                   70.3 70.6 71.0 70.2 69.5    
NPLs (As % Of Loans) % ... ... ...                                             2.47 2.17 2.26 2.17 2.30   ...
Provisions (As % Of NPLs) % ... ... ...                                             39.9 37.5 70.0 34.9 33.9   ...
Provisions (As % Of Loans) % ... ... ...                                             0.996 0.819 1.61 0.765 0.787    
Cost of Provisions (As % Of Loans) %                                                   0.192 0.153 0.304 0.149 0.188    
other data Unit Mar 2012 Jun 2012 Sep 2012 Dec 2012 Mar 2013 Jun 2013 Sep 2013 Dec 2013 Mar 2014 Jun 2014 Sep 2014 Dec 2014 Mar 2015 Jun 2015 Sep 2015 Dec 2015 Mar 2016 Jun 2016 Sep 2016 Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019
other data                                                                
Employees ... ...                                               19,215 19,125 18,510 18,962 17,952   ...
Sight (As % Of Customer Deposits) % ... ... ...                                             52.8 35.3 52.5 36.7 52.3    

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ABN AMRO Bank's price/earnings (P/E) fell 22.5% yoy to 12.1 in 4Q2019

By Helgi Library - February 13, 2020

ABN AMRO Bank stock traded at 16.2 per share at the end fourth quarter of 2019 implying a market capitalization of USD 16,602 mil. Since the end of 4Q2014, the stock has appreciated by % implying an annual average growth of 0 %. In absolute terms, the value of the co...

ABN AMRO Bank's corporate loans fell 2.06% yoy to EUR 106,666 mil in 4Q2019

By Helgi Library - February 13, 2020

ABN AMRO Bank's loans reached EUR 270,527 mil in the fourth quarter of 2019, down from EUR 278,071 mil when compared to the previous quarter and down from EUR 275,247 mil when compared to the same period of last year. Historically, the bank’s loans ...

ABN AMRO Bank's net interest income fell 3.41% yoy to EUR 1,586 mil in 4Q2019

By Helgi Library - February 13, 2020

ABN AMRO Bank generated total banking revenues of EUR 2,181 mil in the fourth quarter of 2019, down 14.3% when compared to the same period of last year and 13.2% when compared to the previous quarter. Historically, the bank’s revenues containing of interest, ...

ABN AMRO Bank's equity (as % of assets) rose 2.19% yoy to 5.72% in 4Q2019

By Helgi Library - February 13, 2020

ABN AMRO Bank's Equity reached 6.89% of total assets in the 4Q2019, down from 6.91% for the previous year. As a share of net customer loans, the ratio amounted to 15.4% at the end of the fourth quarter of 2019. ...

ABN AMRO Bank's customer loan growth rose 29.7% yoy to -1.03% in 4Q2019

By Helgi Library - February 13, 2020

ABN AMRO Bank's customer loan growth reached -1.03% in 2019-12-31, up from -1.46% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 8.22% in 2015-12-31 and an all time low of -8.29% in 2015-09-30. In the last...

ABN AMRO Bank's capital adequacy ratio rose 16.7% to 25.9% in 2019

By Helgi Library - February 13, 2020

ABN AMRO Bank's capital adequacy ratio reached 25.9% at the end of 2019, up from 22.2% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 25.9% in 2019 and an all time low of 16.6% in 2010. The Tier 1 ratio amounted ...

ABN AMRO Bank's net interest margin rose 0.454% to 1.71% in 2019

By Helgi Library - February 13, 2020

ABN AMRO Bank's net interest margin amounted to 1.71% in 2019, up from 1.70% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 1.71% in 2019 and an all time low of 1.26% in 2012. The average margin i...

ABN AMRO Bank's corporate loans fell 2.06% to EUR 106,666 mil in 2019

By Helgi Library - February 13, 2020

ABN AMRO Bank's loans reached EUR 270,527 mil in the 2019, down from EUR 275,247 mil compared to the previous year. Historically, the bank’s loans reached an all time high of EUR 280,729 mil in 2015 and an all time low of EUR 260,152 mil in 2014. In the...

ABN AMRO Bank's net profit fell 10.5% to EUR 2,046 mil in 2019

By Helgi Library - February 13, 2020

ABN AMRO Bank made a net profit of EUR 2,046 mil under revenues of EUR 8,912 mil in 2019, up -10.5% and -15.3% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of EUR 2,773 mil in 2017 and an all time low of EUR...

ABN AMRO Bank's price/earnings (P/E) fell 11.8% to 7.45 in 2019

By Helgi Library - February 13, 2020

ABN AMRO Bank stock traded at 16.2 per share at the end 2019 implying a market capitalization of USD 16,602 mil. Since the end of 2014, the stock has appreciated by % implying an annual average growth of 0 %. In absolute terms, the value of the company rose ...

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