Nibc boekt verlies voor overname door abn amro

2026-03-06 economie

Amsterdam, vrijdag, 6 maart 2026.
Nibc sloot 2025 af met een nettoverlies van 38 miljoen euro. Dat kwam vooral door de verkoop van niet-kernactiviteiten, die een eenmalig verlies van 116 miljoen euro opleverde. Zonder die posten had de bank 78 miljoen euro winst gemaakt. De bank reduceerde zijn niet-kernportefeuille van 1 miljard naar 0,1 miljard euro. Tegelijk namen kredietverliezen toe, met name door problemen bij glasvezelbedrijven in het vk en duitsland. Ceo nick jue noemt het een uitzonderlijk jaar. De overname door abn amro wacht nog op goedkeuring van de ec en dnb. Die beslissing wordt verwacht in het derde kwart van 2026.

significant loss ahead of acquisition

NIBC closed 2025 with a net loss of €38 million, primarily due to the strategic sale of non-core activities which generated a one-time after-tax loss of €116 million [1]. Without these exceptional items, the bank would have recorded an underlying profit of €78 million [2]. The disposal reduced the non-core portfolio from €1 billion at year-start to just €0.1 billion by year-end [3]. CEO Nick Jue described the period as exceptional, marked by structural transformation ahead of the pending takeover [4].

credit quality pressures in fiber projects

Credit losses rose sharply to €52 million in 2025 compared to previous years, driven by deteriorating loan quality in NIBC’s UK and German fiber-optic portfolios [5]. Risk director Sven de Veij explained that excessive government subsidies led to oversupply, with multiple providers laying cables in the same streets while customers could only subscribe to one service [6]. This left competing companies without revenue despite high infrastructure costs, increasing default risks on loans extended by NIBC [7]. Similar issues affected other banks such as Triodos [8].

core operations remain stable amid changes

Despite financial headwinds, NIBC maintained growth in key segments during 2025 [9]. Retail savings increased by 3%, mortgage lending grew by 1%, and financing for commercial real estate expanded by 2% [10]. Digital infrastructure funding saw an 8% rise, reflecting continued investment focus [11]. Net interest income declined by (current-prev)/prev*100% due to divested assets and lower margins on deposits [12]. Operating expenses fell by 7%, supporting cost discipline under ongoing restructuring [13].

regulatory approval still pending for merger

The proposed acquisition of NIBC by ABN Amro remains subject to regulatory clearance [14]. While the Netherlands Authority for Consumers and Markets (ACM) approved the deal on March 2, 2026, final green lights are still awaited from the European Central Bank (ECB) and De Nederlandsche Bank (DNB) [15]. Completion is expected in the second half of 2026, contingent on those approvals [16]. Post-acquisition, NIBC will retain its own banking license temporarily, though depositor protection up to €100,000 will eventually fall under ABN Amro’s guarantee scheme [17].

strategic shift affects sustainability ratings

NIBC’s environmental and social governance performance came under scrutiny recently [18]. According to the 2026 Eerlijke Geldwijzer assessment, five out of eight major Dutch banks showed declining scores on sustainability policies, including NIBC [19]. Despite excluding arms manufacturing from its lending, the bank faced criticism for weaker climate action frameworks compared to peers like Triodos and ASN Bank [20]. Project leader Valerie Schreur noted insufficient pressure on client firms regarding gender equality and fossil fuel exposure [21].

Bronnen

ABN Amro NIBC