Aareal Bank Maintains Strong Performance in First Nine Months of 2025

Aareal Bank AG reported a 15% increase in adjusted operating profit for the first nine months of 2025, reaching €306 million. The bank also saw net interest income stabilize at €691 million, despite lower interest rates, supported by healthy margins and increased lending volumes.

Loan impairment charges significantly decreased by 34% to €190 million, reflecting the bank's cautious risk policy amid ongoing geopolitical uncertainties. Administrative expenses were reduced by 8% to €229 million, contributing to a cost/income ratio of 32%.

In the Structured Property Financing segment, new business origination reached €8.5 billion, with conservative loan-to-value ratios. The Banking & Digital Solutions segment maintained a high level of client deposits from the housing and energy industries, totaling €14.2 billion in Q3.

Aareal Bank's capital ratios remained solid with a CET1 ratio of 15.5%. The successful completion of a Significant Risk Transfer transaction in October further enhanced capital efficiency.