ABN AMRO Bank Income Statement

Financials in millions EUR. Fiscal year is January - December.

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	14,792	16,757	15,849	7,698	6,760	7,525
Interest Income on Investments	262	351	334	236	258	290
Total Interest Income	15,054	17,108	16,183	7,934	7,018	7,815
Interest Paid on Deposits	8,628	10,532	9,812	2,455	1,397	1,834
Interest Paid on Borrowings	86	72	92	57	411	118
Total Interest Expense	8,714	10,604	9,904	2,512	1,808	1,952
Net Interest Income	6,340	6,504	6,279	5,422	5,210	5,863
Net Interest Income Growth (YoY)	-	3.58%	15.81%	4.07%	-11.14%	-9.35%
Income From Trading Activities	246	283	213	282	145	163
Gain (Loss) on Sale of Assets	-22	-22	33	147	330	275
Gain (Loss) on Sale of Investments	-	-	-	-	-	2
Gain (Loss) on Sale of Equity Investments	69	9	41	107	23	29
Other Non-Interest Income	2,143	2,160	2,127	1,882	1,996	1,595
Total Non-Interest Income	2,359	2,359	2,339	2,419	2,386	2,053
Non-Interest Income Growth (YoY)	1.55%	0.85%	-3.31%	1.38%	16.22%	-3.89%
Revenues Before Loan Losses	8,699	8,863	8,618	7,841	7,596	7,916
Provision for Loan Losses	-40	-21	-158	39	-46	2,303
Revenue	8,739	8,884	8,776	7,802	7,642	5,613
Revenue Growth (YoY)	-0.41%	1.23%	12.48%	2.09%	36.15%	-29.37%
Salaries and Employee Benefits	2,995	2,776	2,492	2,458	2,324	2,177
Occupancy Expenses	172	160	169	175	195	219
Selling, General & Administrative	2,482	2,531	2,490	2,796	3,137	2,525
Other Non-Interest Expense	-1	1	-1	-1	149	96
Total Non-Interest Expense	5,648	5,468	5,150	5,428	5,805	5,017
EBT Excluding Unusual Items	3,091	3,416	3,626	2,374	1,837	596
Asset Writedown	-	-	-3	3	1	-50
Pretax Income	3,091	3,416	3,544	2,377	1,838	356
Income Tax Expense	851	1,013	847	509	604	401
Earnings From Continuing Operations	2,240	2,403	2,697	1,868	1,234	-45
Minority Interest in Earnings	-	-	-	-	-3	-
Net Income	2,240	2,403	2,697	1,868	1,231	-45
Preferred Dividends & Other Adjustments	120	120	92	92	91	113
Net Income to Common	2,120	2,283	2,605	1,776	1,140	-158
Net Income Growth	-12.19%	-10.90%	44.38%	51.75%	-	-
Basic Shares Outstanding	832	841	872	908	940	940
Diluted Shares Outstanding	832	841	872	908	940	940
Shares Change (YoY)	-1.96%	-3.55%	-3.99%	-3.44%	-	-
EPS (Basic)	2.55	2.72	2.99	1.96	1.21	-0.17
EPS (Diluted)	2.55	2.72	2.99	1.96	1.21	-0.17
EPS Growth	-12.06%	-9.13%	52.77%	61.70%	-	-
Dividend Per Share	1.290	1.350	1.510	0.990	0.610	-
Dividend Growth	-38.86%	-10.60%	52.52%	62.30%	-	-
Effective Tax Rate	27.53%	29.65%	23.90%	21.41%	32.86%	112.64%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.