{"success":true,"data":{"pressRelease":{"id":"116204","rtpr_id":"nGNE1WhWJ8","ticker":"ABND","exchange":"Euronext Amsterdam","all_tickers":["ABND"],"title":"REG-ABN AMRO posts net profit of EUR 781 million in Q2 2026","author":"Globe Newswire","published_at":"2026-08-12T05:00:00.342Z","article_body":"ABN AMRO posts net profit of EUR 781 million in Q2 2026\n\n12 August 2026\n\nKey messages\n* Net profit increased by 29% year-on-year to € 781 million, with return on\nequity improving to 12.1%\n* Continued business momentum with growth in both lending and deposits\n* Strong net interest income (NII) growth; full-year 2026 commercial NII\nguidance increased to € 6.8 billion including NIBC\n* High fees reflecting an increase in client assets and continued strong\nClearing results\n* Cost discipline remained strong; full-year 2026 guidance lowered to € 5.5\nbillion including NIBC\n* Credit quality remains robust, with cost of risk at 4 basis points\n* CET1 ratio improved to 15.9%, supported by growth in capital-light\nbusinesses; interim dividend set at € 0.68 per share\nMarguerite Bérard, CEO:\n\n‘ABN AMRO delivered another strong quarter, supported by continued client\ndemand and high fees. The bank also made further progress on improving cost\nefficiency as well as on RWA and portfolio optimisation.\n\nThe Dutch economy remained resilient, supported by healthy household spending\nand more positive consumer confidence, although inflation remained elevated.\nAs expected, the ECB raised its deposit rate by 25 basis points in June. With\nuncertainty remaining high and the full inflationary impact of the energy\nshock yet to play out, we expect another rate hike in September. The housing\nmarket cooled, following years of significant price increases. However, the\npersistent supply shortage will continue to support house prices. Overall,\nresilient domestic demand and solid economic fundamentals provided a solid\nbackdrop amid geopolitical and macroeconomic uncertainty. In this environment\nwe remain focused on supporting our clients.\n\nOur financial performance in the second quarter showed a clear step-up, with\noperating income increasing by 6% quarter-on-quarter, supported by high\ncommercial net interest income and fees. This reflected strong client\nactivity, including growth of € 1.7 billion in mortgages and € 2.7 billion\nin corporate loans. We increased our guidance for commercial NII for full-year\n2026 to € 6.8 billion. This includes NIBC, following the closing of the\nacquisition on 1 August.\n\nOur continued focus on cost discipline contributed to broadly stable\nunderlying costs in Q2. We have therefore lowered our full-year 2026 cost\nguidance to € 5.5 billion, including the impact of NIBC. Costs in the second\nhalf of the year may be influenced by the outcome of the collective labour\nagreement negotiations, which will resume in September.\n\nThese Q2 results show continued progress on our strategic priorities:\nright-sizing our cost base, delivering profitable growth and optimising our\ncapital allocation.\n\nRight-size costs base\nWe continued to simplify our organisation and improve our efficiency. The\nnumber of full-time equivalents (FTEs) decreased by 253 in the second quarter,\nmainly driven by a reduction in internal FTEs. The total reduction since the\nend of 2024 now stands at approximately 45% of our 2028 target.\n\nWe continued to integrate artificial intelligence (AI) into daily work across\nthe bank, with almost 50 use cases in production. In the second quarter, we\nlaunched our first GenAI-powered client voice bot to answer client questions\nand provide guidance on selected topics. We also introduced a GenAI knowledge\nassistant for Know Your Customer (KYC) and Anti-Money Laundering (AML)\nanalysts, helping them access relevant policies, procedures and work\ninstructions more easily.\n\nGrow profitably \nPersonal & Business Banking increased net interest income, driven by growth in\nclient deposits and improved margins. The recent completion of the NIBC\nacquisition will further consolidate our position in the Dutch mortgage and\nsavings markets. The announced partnership between Worldline and our credit\ncard business International Card Services (ICS) will strengthen our services\nby increasing agility, accelerating innovation, improving efficiency and\nenhancing customer experience, while enabling us to focus on developing\ndistinctive products and services for our clients.\n\nThe launch of our new mortgage proposition ‘ZekerStarten’, which provides\nfirst-time homebuyers with certainty about their mortgage options within three\ndays, is a further example of how we are improving our customer experience.\nOne of the highlights of the first half of the year was the success of the\nBeter Wonen pilot. This can become a meaningful differentiator for ABN AMRO.\n\nWe also launched BUUT Pay, allowing under-16s to make mobile payments\nresponsibly. We are proud to have been named The Netherlands’ Best Retail\nBank by the Euromoney Awards for Excellence 2026, highlighting our commercial\nperformance, our ability to respond to changing client needs and our success\nin attracting new client groups through digital platforms such as BUUT and\nBUX. \n\nWealth Management gained commercial momentum in the second quarter, with €\n2.3 billion of core net new assets. This reflects growing traction in our\npriority segments, particularly among entrepreneurs and business owners\nthrough our dual-client approach. With the legal merger of Hauck Aufhäuser\nLampe (HAL) into ABN AMRO completed in June, the focus will now shift to the\nIT integration and synergy delivery.\n\nCorporate Banking delivered a strong increase in profitability, supported by\nsolid Clearing results, higher corporate lending and limited loan impairments.\nOur M&A advisory activities also performed well, supported by our robust\nclient franchise, trusted adviser role and in-depth sector knowledge.\nFamily-owned businesses in particular value our ability to combine strategic\nadvice with a clear understanding of their ownership priorities and long-term\nambitions. As a founding partner of The Stack, a new AI hub in Amsterdam, we\ncontribute our European network and expertise to help Dutch AI scale-ups\ndevelop and grow internationally.\n\nThe Dutch Ministry of Finance reappointed ABN AMRO as financial adviser for\nState participations for a further four-year period.\n\nThe European Commission recently highlighted in its report on the\ncompetitiveness of the EU banking sector that a strong and resilient banking\nsector is essential to supporting a competitive and resilient Europe. At\nABN AMRO, we are focused on strengthening our position as a leading European\nbank and on supporting clients in the transitions that matter for Europe’s\nfuture competitiveness. A recent example is the financing of one of the\nlargest battery storage projects in Europe, developed by GIGA Storage in\nBelgium.\n\nOptimise capital allocation\nWe continued to improve the allocation of our capital. Risk-weighted assets\n(RWA) were slightly lower, with business growth largely offset by further RWA\nand portfolio optimisations. Our CET1 ratio remained strong at 15.9%, enabling\ncontinued investment in profitable growth while maintaining a robust capital\nbuffer.\n\nOur second-quarter results demonstrate that we are executing our strategy with\ndiscipline and that we are delivering on the commitments we have made. We\nenter the second half of the year with confidence. I would like to sincerely\nthank our colleagues for their commitment and hard work, and our clients and\ninvestors for their continued trust in ABN AMRO.’\n\n\nThis press release is published by ABN AMRO Bank N.V. and contains inside\ninformation within the meaning of article 7 (1) to (4) of Regulation (EU) No\n596/2014 (Market Abuse Regulation).\n\nNote for the editor, not for publication: \nABN AMRO Press Office: +31 (0)20 6288900 , Jarco de Swart, email:\npressrelations@nl.abnamro.com.\nABN AMRO Investor Relations: +31 (0)20 6282282, John Heijning, email:\ninvestorrelations@nl.abnamro.com\n\n\n\n Operating results\n\n (in millions)                                         Q2 2026  Q2 2025  Change  Q1 2026  Change    First half 2026  First half 2025  Change  \n Net interest income                                   1,700    1,532    11%     1,637    4%        3,337            3,091            8%      \n Net fee and commission income                         617      492      25%     608      2%        1,225            999              23%     \n Other operating income                                106      119      -11%    42                 149              198              -25%    \n Operating income                                      2,424    2,143    13%     2,287    6%        4,710            4,288            10%     \n Personnel expenses                                    789      735      7%      748      5%        1,537            1,460            5%      \n Other expenses                                        511      582      -12%    529      -3%       1,040            1,166            -11%    \n Operating expenses                                    1,300    1,317    -1%     1,277    2%        2,578            2,626            -2%     \n Operating result                                      1,123    826      36%     1,009    11%       2,133            1,662            28%     \n Impairment charges on financial instruments           24       -6               67       -65%      91               -1                       \n Profit/(loss) before taxation                         1,100    831      32%     942      17%       2,042            1,663            23%     \n Income tax expense                                    319      226      41%     249      28%       568              438              30%     \n Profit/(loss) for the period                          781      606      29%     693      13%       1,473            1,225            20%     \n Attributable to:                                                                                                                             \n Owners of the parent company                          780      606      29%     692      13%       1,473            1,225            20%     \n                                                                                                                                              \n Other indicators                                                                                                                             \n Net interest margin (NIM) (in bps)                    149      149              149                149              152                      \n Cost/income ratio                                     53.7%    61.5%            55.9%              54.7%            61.2%                    \n Return on average equity¹                             12.1%    9.4%             10.7%              11.4%            9.6%                     \n Dividend per share (in €)                             0.68     0.54                                0.68             0.54                     \n Basic and diluted earnings per share (in €) (2, 3)    0.90     0.67             0.78               1.68             1.35                     \n Shareholder's equity per share (in €)                 29.58    27.92            29.58                                                        \n Client assets (end of period, in billions)            415.0    355.5            405.3                                                        \n Number of employees (end of period, in FTEs)          24,561   25,362           24,814                                                       \n - of which internal employees                         22,905   22,278           23,140                                                       \n - of which external employees                         1,656    3,084            1,674                                                        \n\n\n\n 1. Annualised profit/(loss) for the period, excluding payments attributable to AT1 capital securities and results attributable to non-controlling interests, divided by the average equity attributable to the equity holders of the parent company excluding AT1 capital securities.  \n 2. Profit/(loss) for the period, excluding payments attributable to AT1 capital securities and results attributable to non-controlling interests, divided by the average number of outstanding and paid-up ordinary shares.                                                            \n 3. For Q2 2026, the average number of outstanding shares amounted to 817,435,155 (Q1 2026: 823,101,264; Q2 2025: 833,048,566). As at 30 June 2026, the average number of outstanding shares amounted to 820,268,210 (30 June 2025: 833,048,566).                                       \n\nAttachments\n*     20260812_ABN AMRO posts net profit of EUR 781 million in Q2 2026_\n(https://ml-eu.globenewswire.com/Resource/Download/ab2a7815-0665-46e3-8230-a1485b226b4d)\n  \n*     ABN AMRO Bank Interim Report & Quarterly Report second quarter 2026\n(https://ml-eu.globenewswire.com/Resource/Download/a589b51d-6492-40ae-8ccd-7517b2e33c8f)","article_body_html":"","raw_payload":{"data":{"id":"nGNE1WhWJ8","title":"REG-ABN AMRO posts net profit of EUR 781 million in Q2 2026","author":"Globe Newswire","ticker":"ABND","created":"2026-08-12T05:00:00.342Z","tickers":["ABND"],"exchange":"Euronext Amsterdam","article_body":"ABN AMRO posts net profit of EUR 781 million in Q2 2026\n\n12 August 2026\n\nKey messages\n* Net profit increased by 29% year-on-year to € 781 million, with return on\nequity improving to 12.1%\n* Continued business momentum with growth in both lending and deposits\n* Strong net interest income (NII) growth; full-year 2026 commercial NII\nguidance increased to € 6.8 billion including NIBC\n* High fees reflecting an increase in client assets and continued strong\nClearing results\n* Cost discipline remained strong; full-year 2026 guidance lowered to € 5.5\nbillion including NIBC\n* Credit quality remains robust, with cost of risk at 4 basis points\n* CET1 ratio improved to 15.9%, supported by growth in capital-light\nbusinesses; interim dividend set at € 0.68 per share\nMarguerite Bérard, CEO:\n\n‘ABN AMRO delivered another strong quarter, supported by continued client\ndemand and high fees. The bank also made further progress on improving cost\nefficiency as well as on RWA and portfolio optimisation.\n\nThe Dutch economy remained resilient, supported by healthy household spending\nand more positive consumer confidence, although inflation remained elevated.\nAs expected, the ECB raised its deposit rate by 25 basis points in June. With\nuncertainty remaining high and the full inflationary impact of the energy\nshock yet to play out, we expect another rate hike in September. The housing\nmarket cooled, following years of significant price increases. However, the\npersistent supply shortage will continue to support house prices. Overall,\nresilient domestic demand and solid economic fundamentals provided a solid\nbackdrop amid geopolitical and macroeconomic uncertainty. In this environment\nwe remain focused on supporting our clients.\n\nOur financial performance in the second quarter showed a clear step-up, with\noperating income increasing by 6% quarter-on-quarter, supported by high\ncommercial net interest income and fees. This reflected strong client\nactivity, including growth of € 1.7 billion in mortgages and € 2.7 billion\nin corporate loans. We increased our guidance for commercial NII for full-year\n2026 to € 6.8 billion. This includes NIBC, following the closing of the\nacquisition on 1 August.\n\nOur continued focus on cost discipline contributed to broadly stable\nunderlying costs in Q2. We have therefore lowered our full-year 2026 cost\nguidance to € 5.5 billion, including the impact of NIBC. Costs in the second\nhalf of the year may be influenced by the outcome of the collective labour\nagreement negotiations, which will resume in September.\n\nThese Q2 results show continued progress on our strategic priorities:\nright-sizing our cost base, delivering profitable growth and optimising our\ncapital allocation.\n\nRight-size costs base\nWe continued to simplify our organisation and improve our efficiency. The\nnumber of full-time equivalents (FTEs) decreased by 253 in the second quarter,\nmainly driven by a reduction in internal FTEs. The total reduction since the\nend of 2024 now stands at approximately 45% of our 2028 target.\n\nWe continued to integrate artificial intelligence (AI) into daily work across\nthe bank, with almost 50 use cases in production. In the second quarter, we\nlaunched our first GenAI-powered client voice bot to answer client questions\nand provide guidance on selected topics. We also introduced a GenAI knowledge\nassistant for Know Your Customer (KYC) and Anti-Money Laundering (AML)\nanalysts, helping them access relevant policies, procedures and work\ninstructions more easily.\n\nGrow profitably \nPersonal & Business Banking increased net interest income, driven by growth in\nclient deposits and improved margins. The recent completion of the NIBC\nacquisition will further consolidate our position in the Dutch mortgage and\nsavings markets. The announced partnership between Worldline and our credit\ncard business International Card Services (ICS) will strengthen our services\nby increasing agility, accelerating innovation, improving efficiency and\nenhancing customer experience, while enabling us to focus on developing\ndistinctive products and services for our clients.\n\nThe launch of our new mortgage proposition ‘ZekerStarten’, which provides\nfirst-time homebuyers with certainty about their mortgage options within three\ndays, is a further example of how we are improving our customer experience.\nOne of the highlights of the first half of the year was the success of the\nBeter Wonen pilot. This can become a meaningful differentiator for ABN AMRO.\n\nWe also launched BUUT Pay, allowing under-16s to make mobile payments\nresponsibly. We are proud to have been named The Netherlands’ Best Retail\nBank by the Euromoney Awards for Excellence 2026, highlighting our commercial\nperformance, our ability to respond to changing client needs and our success\nin attracting new client groups through digital platforms such as BUUT and\nBUX. \n\nWealth Management gained commercial momentum in the second quarter, with €\n2.3 billion of core net new assets. This reflects growing traction in our\npriority segments, particularly among entrepreneurs and business owners\nthrough our dual-client approach. With the legal merger of Hauck Aufhäuser\nLampe (HAL) into ABN AMRO completed in June, the focus will now shift to the\nIT integration and synergy delivery.\n\nCorporate Banking delivered a strong increase in profitability, supported by\nsolid Clearing results, higher corporate lending and limited loan impairments.\nOur M&A advisory activities also performed well, supported by our robust\nclient franchise, trusted adviser role and in-depth sector knowledge.\nFamily-owned businesses in particular value our ability to combine strategic\nadvice with a clear understanding of their ownership priorities and long-term\nambitions. As a founding partner of The Stack, a new AI hub in Amsterdam, we\ncontribute our European network and expertise to help Dutch AI scale-ups\ndevelop and grow internationally.\n\nThe Dutch Ministry of Finance reappointed ABN AMRO as financial adviser for\nState participations for a further four-year period.\n\nThe European Commission recently highlighted in its report on the\ncompetitiveness of the EU banking sector that a strong and resilient banking\nsector is essential to supporting a competitive and resilient Europe. At\nABN AMRO, we are focused on strengthening our position as a leading European\nbank and on supporting clients in the transitions that matter for Europe’s\nfuture competitiveness. A recent example is the financing of one of the\nlargest battery storage projects in Europe, developed by GIGA Storage in\nBelgium.\n\nOptimise capital allocation\nWe continued to improve the allocation of our capital. Risk-weighted assets\n(RWA) were slightly lower, with business growth largely offset by further RWA\nand portfolio optimisations. Our CET1 ratio remained strong at 15.9%, enabling\ncontinued investment in profitable growth while maintaining a robust capital\nbuffer.\n\nOur second-quarter results demonstrate that we are executing our strategy with\ndiscipline and that we are delivering on the commitments we have made. We\nenter the second half of the year with confidence. I would like to sincerely\nthank our colleagues for their commitment and hard work, and our clients and\ninvestors for their continued trust in ABN AMRO.’\n\n\nThis press release is published by ABN AMRO Bank N.V. and contains inside\ninformation within the meaning of article 7 (1) to (4) of Regulation (EU) No\n596/2014 (Market Abuse Regulation).\n\nNote for the editor, not for publication: \nABN AMRO Press Office: +31 (0)20 6288900 , Jarco de Swart, email:\npressrelations@nl.abnamro.com.\nABN AMRO Investor Relations: +31 (0)20 6282282, John Heijning, email:\ninvestorrelations@nl.abnamro.com\n\n\n\n Operating results\n\n (in millions)                                         Q2 2026  Q2 2025  Change  Q1 2026  Change    First half 2026  First half 2025  Change  \n Net interest income                                   1,700    1,532    11%     1,637    4%        3,337            3,091            8%      \n Net fee and commission income                         617      492      25%     608      2%        1,225            999              23%     \n Other operating income                                106      119      -11%    42                 149              198              -25%    \n Operating income                                      2,424    2,143    13%     2,287    6%        4,710            4,288            10%     \n Personnel expenses                                    789      735      7%      748      5%        1,537            1,460            5%      \n Other expenses                                        511      582      -12%    529      -3%       1,040            1,166            -11%    \n Operating expenses                                    1,300    1,317    -1%     1,277    2%        2,578            2,626            -2%     \n Operating result                                      1,123    826      36%     1,009    11%       2,133            1,662            28%     \n Impairment charges on financial instruments           24       -6               67       -65%      91               -1                       \n Profit/(loss) before taxation                         1,100    831      32%     942      17%       2,042            1,663            23%     \n Income tax expense                                    319      226      41%     249      28%       568              438              30%     \n Profit/(loss) for the period                          781      606      29%     693      13%       1,473            1,225            20%     \n Attributable to:                                                                                                                             \n Owners of the parent company                          780      606      29%     692      13%       1,473            1,225            20%     \n                                                                                                                                              \n Other indicators                                                                                                                             \n Net interest margin (NIM) (in bps)                    149      149              149                149              152                      \n Cost/income ratio                                     53.7%    61.5%            55.9%              54.7%            61.2%                    \n Return on average equity¹                             12.1%    9.4%             10.7%              11.4%            9.6%                     \n Dividend per share (in €)                             0.68     0.54                                0.68             0.54                     \n Basic and diluted earnings per share (in €) (2, 3)    0.90     0.67             0.78               1.68             1.35                     \n Shareholder's equity per share (in €)                 29.58    27.92            29.58                                                        \n Client assets (end of period, in billions)            415.0    355.5            405.3                                                        \n Number of employees (end of period, in FTEs)          24,561   25,362           24,814                                                       \n - of which internal employees                         22,905   22,278           23,140                                                       \n - of which external employees                         1,656    3,084            1,674                                                        \n\n\n\n 1. Annualised profit/(loss) for the period, excluding payments attributable to AT1 capital securities and results attributable to non-controlling interests, divided by the average equity attributable to the equity holders of the parent company excluding AT1 capital securities.  \n 2. Profit/(loss) for the period, excluding payments attributable to AT1 capital securities and results attributable to non-controlling interests, divided by the average number of outstanding and paid-up ordinary shares.                                                            \n 3. For Q2 2026, the average number of outstanding shares amounted to 817,435,155 (Q1 2026: 823,101,264; Q2 2025: 833,048,566). As at 30 June 2026, the average number of outstanding shares amounted to 820,268,210 (30 June 2025: 833,048,566).                                       \n\nAttachments\n*     20260812_ABN AMRO posts net profit of EUR 781 million in Q2 2026_\n(https://ml-eu.globenewswire.com/Resource/Download/ab2a7815-0665-46e3-8230-a1485b226b4d)\n  \n*     ABN AMRO Bank Interim Report & Quarterly Report second quarter 2026\n(https://ml-eu.globenewswire.com/Resource/Download/a589b51d-6492-40ae-8ccd-7517b2e33c8f)"},"type":"article","timestamp":"2026-08-12T05:00:00.560627778Z","server_sent_at_ms":1786510800560},"received_at":"2026-08-12T05:00:00.708Z","source_url":null},"analysis":{"id":"105199","press_release_id":"116204","analysis_json":{"industry":{"label":"Banks","sector":"Financials"},"redFlags":[],"eventType":"earnings","narrative":"ABN AMRO reported Q2 2026 net profit of EUR 781 million, up 29% year-over-year, driven by a 13% increase in operating income and robust net interest income growth. Return on equity improved significantly to 12.1% while the CET1 ratio strengthened to 15.9%.\n\nThe bank raised its full-year 2026 commercial net interest income guidance to EUR 6.8 billion and lowered its cost guidance to EUR 5.5 billion, reflecting the successful integration of the NIBC acquisition. An interim dividend of EUR 0.68 per share was declared.\n\nLending momentum remained strong with EUR 1.7 billion in new mortgages and EUR 2.7 billion in corporate loans, while Wealth Management added EUR 2.3 billion in net new assets following the legal merger of Hauck Aufhäuser Lampe.","sentiment":"bullish","agentHooks":{"shouldPost":true,"suggestedAngle":"Beat-and-raise quarter for ABN AMRO with robust capital ratios, improved efficiency, and dividend declaration."},"keyFigures":{"eps":0.9,"revenue":2424000000,"guidance":"FY2026 commercial NII guidance increased to EUR 6.8 billion including NIBC; FY2026 cost guidance lowered to EUR 5.5 billion","revenueYoy":"13%","customDimensions":{"roe":"12.1%","cet1_ratio":"15.9%","net_profit":781000000,"interim_dividend":0.68,"cost_income_ratio":"53.7%","net_interest_income":1700000000}},"quotedText":"ABN AMRO delivered another strong quarter, supported by continued client demand and high fees.","namedEntities":{"people":[{"name":"Marguerite Bérard","role":"CEO"}],"products":["ZekerStarten","BUUT Pay"],"companies":[{"name":"ABN AMRO Bank N.V.","ticker":"ABND"},{"name":"NIBC","relationship":"acquired subsidiary"},{"name":"Worldline","relationship":"partner"},{"name":"International Card Services (ICS)","relationship":"subsidiary"},{"name":"Hauck Aufhäuser Lampe (HAL)","relationship":"merged subsidiary"},{"name":"GIGA Storage","relationship":"client"}],"dollarAmounts":[{"amount":"EUR 781 million","context":"Q2 2026 net profit"},{"amount":"€ 6.8 billion","context":"FY2026 commercial NII guidance"},{"amount":"€ 5.5 billion","context":"FY2026 cost guidance"},{"amount":"€ 0.68 per share","context":"interim dividend"},{"amount":"€ 1.7 billion","context":"Q2 2026 mortgage growth"},{"amount":"€ 2.7 billion","context":"Q2 2026 corporate loan growth"},{"amount":"€ 2.3 billion","context":"Wealth Management net new assets"}]},"materialImpact":{"score":4,"reasoning":"Q2 net profit rose 29% year-over-year to EUR 781 million with a significant improvement in return on equity to 12.1%. The bank raised its full-year commercial net interest income guidance to EUR 6.8 billion and declared an interim dividend, signaling strong capital generation."},"tickerRelevance":{"others":[],"primary":"ABND"},"globalImportance":35,"audienceRelevance":25,"eventTypeSecondary":["guidance_update","dividend"],"importanceComponents":{"tickerTier":"large-cap-european","eventGravity":"earnings-beat-and-raise","sectorWeight":"financials"}},"event_type":"earnings","event_type_secondary":["guidance_update","dividend"],"sentiment":"bullish","material_impact_score":4,"narrative":"ABN AMRO reported Q2 2026 net profit of EUR 781 million, up 29% year-over-year, driven by a 13% increase in operating income and robust net interest income growth. Return on equity improved significantly to 12.1% while the CET1 ratio strengthened to 15.9%.\n\nThe bank raised its full-year 2026 commercial net interest income guidance to EUR 6.8 billion and lowered its cost guidance to EUR 5.5 billion, reflecting the successful integration of the NIBC acquisition. An interim dividend of EUR 0.68 per share was declared.\n\nLending momentum remained strong with EUR 1.7 billion in new mortgages and EUR 2.7 billion in corporate loans, while Wealth Management added EUR 2.3 billion in net new assets following the legal merger of Hauck Aufhäuser Lampe.","key_figures":{"eps":0.9,"revenue":2424000000,"guidance":"FY2026 commercial NII guidance increased to EUR 6.8 billion including NIBC; FY2026 cost guidance lowered to EUR 5.5 billion","revenueYoy":"13%","customDimensions":{"roe":"12.1%","cet1_ratio":"15.9%","net_profit":781000000,"interim_dividend":0.68,"cost_income_ratio":"53.7%","net_interest_income":1700000000}},"named_entities":{"people":[{"name":"Marguerite Bérard","role":"CEO"}],"products":["ZekerStarten","BUUT Pay"],"companies":[{"name":"ABN AMRO Bank N.V.","ticker":"ABND"},{"name":"NIBC","relationship":"acquired subsidiary"},{"name":"Worldline","relationship":"partner"},{"name":"International Card Services (ICS)","relationship":"subsidiary"},{"name":"Hauck Aufhäuser Lampe (HAL)","relationship":"merged subsidiary"},{"name":"GIGA Storage","relationship":"client"}],"dollarAmounts":[{"amount":"EUR 781 million","context":"Q2 2026 net profit"},{"amount":"€ 6.8 billion","context":"FY2026 commercial NII guidance"},{"amount":"€ 5.5 billion","context":"FY2026 cost guidance"},{"amount":"€ 0.68 per share","context":"interim dividend"},{"amount":"€ 1.7 billion","context":"Q2 2026 mortgage growth"},{"amount":"€ 2.7 billion","context":"Q2 2026 corporate loan growth"},{"amount":"€ 2.3 billion","context":"Wealth Management net new assets"}]},"model_name":"glm-4.7","prompt_hash":"sha256:727b4b9429a443af","schema_hash":"sha256:05005c02d9cffac9","created_at":"2026-08-12T05:05:14.819Z","global_importance":35,"audience_relevance":25,"importance_components":{"tickerTier":"large-cap-european","eventGravity":"earnings-beat-and-raise","sectorWeight":"financials"}},"durationMs":314110,"modelName":"glm-4.7"}}