ABN AMRO Bank NV

ABN: XAMS (NLD)

Morningstar Rating for Stocks	Fair Value	Economic Moat	Capital Allocation
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Capital Reallocation and Cost Savings Are Main Profitability Levers for ABN Amro

Johann Scholtz

Mar 12, 2026

Business Strategy and Outlook

ABN Amro entered 2025 with a clear strategic agenda: Shift capital away from corporate banking and toward the higher-returning retail and wealth franchises. The corporate bank’s share of group capital is targeted to fall from around 60% to closer to 50%, with noncore assets wound down and client selection tightened. The freed-up capital is meant to fund growth in retail banking and wealth management, where returns are substantially higher.

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ABN AMRO Bank NV

Capital Reallocation and Cost Savings Are Main Profitability Levers for ABN Amro

Business Strategy and Outlook

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