NIBC Bank N.V. financials
NIBC Bank N.V.
Country: GB Reporting currency: EUR Latest annual report: 2025-12-31
LEI:
B64D6Y3LBJS4ANNPCU93 Financial statements
(EUR, as reported — unscaled; 84 line items across 2 annual periods)
| Line item | 2025 | 2024 |
|---|---|---|
| Income statement | ||
| Operating expenses | €197.0M | €214.0M |
| Depreciation & amortisation | €4.0M | €4.0M |
| Profit before tax | -€22.0M | €223.0M |
| Income tax expense | €0 | €65.0M |
| Profit for the year | -€21.0M | €158.0M |
| — attributable to owners | -€38.0M | €148.0M |
| Total comprehensive income | -€31.0M | €134.0M |
| Cash flow statement | ||
| Net cash from operating activities | €331.0M | €1.90B |
| Income taxes paid | €66.0M | €66.0M |
| Net cash from investing activities | €59.0M | -€5.0M |
| Purchase of PP&E (capex) | €3.0M | €3.0M |
| Net cash from financing activities | -€1.41B | -€736.0M |
| Dividends paid | €469.0M | €233.0M |
| Net change in cash | -€1.02B | €1.16B |
| Balance sheet | ||
| Total assets | €21.71B | €22.95B |
| Total equity | €1.49B | €1.88B |
| — attributable to owners | €1.29B | €1.68B |
| Derived metrics | ||
| Free cash flow | €328.0M | €1.90B |
| Return on equity | -1.4% | 8.4% |
| Cash conversion ratio | -15.76× | 12.04× |
| Capex coverage | 110.33× | 634.33× |
| Other reported items | ||
| Adjustments For Decrease Increase In Other Assets | €51.0M | €1.19B |
| Adjustments For Depreciation and Amortisation Expense and Impairment Loss Reversal of Impairment Loss Recognised In Profit Or Loss | €56.0M | €12.0M |
| Adjustments For Increase Decrease In Other Liabilities | €346.0M | €502.0M |
| Adjustments For Undistributed Profits of Investments Accounted For Using Equity Method | €1.0M | €2.0M |
| Adjustments To Reconcile Profit Loss Other Than Changes In Working Capital | €55.0M | €10.0M |
| Cash and Bank Balances At Central Banks | €2.01B | €3.10B |
| Cash and Cash Equivalents If Different From Statement of Financial Position | €2.38B | €3.40B |
| Comprehensive Income Attributable To Owners of Parent | -€47.0M | €125.0M |
| Debt Instruments Held At Fair Value Through Profit Or Loss Classified As Held For Trading | €10.0M | €11.0M |
| Debt Securities | €6.86B | €7.74B |
| Deposits From Banks | €50.0M | €54.0M |
| Deposits From Customers | €12.77B | €12.65B |
| Derivative Financial Assets | €31.0M | €83.0M |
| Derivative Financial Liabilities | €20.0M | €104.0M |
| Effect of Exchange Rate Changes On Cash and Cash Equivalents | €4.0M | €2.0M |
| Equity and Liabilities | €21.71B | €22.95B |
| Fee and Commission Income | €38.0M | €38.0M |
| Finance Lease Receivables | €0 | €1.0M |
| Financial Assets At Fair Value Through Other Comprehensive Income | €1.21B | €1.17B |
| Gain Loss Arising From Derecognition of Financial Assets Measured At Amortised Cost | -€118.0M | €4.0M |
| Gains Losses On Disposals of Noncurrent Assets | €0 | -€10.0M |
| Impairment Loss Impairment Gain and Reversal of Impairment Loss Determined In Accordance With IFRS9 | €52.0M | €9.0M |
| Income Tax Relating To Components of Other Comprehensive Income | €1.0M | €1.0M |
| Increase Decrease Through Transfers and Other Changes Equity | €0 | €0 |
| Intangible Assets Other Than Goodwill | €1.0M | €1.0M |
| Interest Expense For Financial Liabilities Not At Fair Value Through Profit Or Loss | €428.0M | €501.0M |
| Interest Expense On Financial Liabilities Designated At Fair Value Through Profit Or Loss | €12.0M | €16.0M |
| Interest Income On Financial Assets Designated At Fair Value Through Profit Or Loss | €4.0M | €13.0M |
| Interest Paid Classified As Operating Activities | €440.0M | €517.0M |
| Interest Received Classified As Operating Activities | €753.0M | €910.0M |
| Interest Revenue Expense | €313.0M | €393.0M |
| Investment Income | -€23.0M | €1.0M |
| Investment Property | €25.0M | €24.0M |
| Issued Capital | €80.0M | €80.0M |
| Liabilities | €20.22B | €21.07B |
| Liabilities Included In Disposal Groups Classified As Held For Sale | €7.0M | €0 |
| Loans and Advances At Fair Value Through Profit Or Loss Mandatorily Measured At Fair Value Other Than Those Classified As Held For Trading | €27.0M | €96.0M |
| Loans and Advances To Banks | €599.0M | €589.0M |
| Noncurrent Assets Or Disposal Groups Classified As Held For Sale | €26.0M | €0 |
| Other Assets | €6.0M | €5.0M |
| Other Cash Payments To Acquire Equity Or Debt Instruments of Other Entities Classified As Investing Activities | €4.0M | €3.0M |
| Other Cash Receipts From Sales of Equity Or Debt Instruments of Other Entities Classified As Investing Activities | €66.0M | €10.0M |
| Other Comprehensive Income | -€9.0M | -€24.0M |
| Other Comprehensive Income Before Tax Cash Flow Hedges | €0 | -€1.0M |
| Other Comprehensive Income Before Tax Change In Fair Value of Financial Liability Attributable To Change In Credit Risk of Liability | -€13.0M | -€26.0M |
| Other Comprehensive Income Before Tax Financial Assets Measured At Fair Value Through Other Comprehensive Income | €6.0M | €2.0M |
| Other Comprehensive Income Before Tax Gains Losses On Revaluation | €0 | €2.0M |
| Other Expense By Nature | €94.0M | €103.0M |
| Proceeds From Issue of Bonds Notes and Debentures | €536.0M | €29.0M |
| Proceeds From Issue of Regulatory Capital Equity | €0 | €200.0M |
| Proceeds From Issue of Subordinated Liabilities | €5.0M | €203.0M |
| Property Plant and Equipment Including Rightofuse Assets | €25.0M | €26.0M |
| Provisions | €6.0M | €7.0M |
| Repayments of Bonds Notes and Debentures | €1.42B | €724.0M |
| Repayments of Regulatory Capital Equity | €0 | €200.0M |
| Repayments of Subordinated Liabilities | €51.0M | €1.0M |
| Reserve of Change In Fair Value of Financial Liability Attributable To Change In Credit Risk of Liability | -€13.0M | €0 |
| Retained Earnings | -€5.0M | €373.0M |
| Revaluation Surplus | €15.0M | €12.0M |
| Revenue and Operating Income | €227.0M | €456.0M |
| Share Premium | €1.21B | €1.21B |
| Subordinated Liabilities | €407.0M | €442.0M |
| Trading Income Expense | -€8.0M | €7.0M |
Methodology
Every line item above is a fact tagged in NIBC Bank N.V.'s annual report
filed in the European Single Electronic Format (ESEF) under the IFRS
taxonomy (ifrs-full) — the income statement, balance sheet
and cash-flow statement as the filer reported them. Values are shown
as-is, in the reporting currency (EUR), without
rescaling; the row labels map to the underlying concept name (e.g.
Revenue → ifrs-full:Revenue, Operating profit →
ifrs-full:ProfitLossFromOperatingActivities, Diluted EPS →
ifrs-full:DilutedEarningsLossPerShare), and any concept
without a curated label is shown under “Other reported items” with its
de-camel-cased tag name. Only consolidated, default-member facts are
shown (segment / dimensional breakdowns are excluded).
“Derived metrics” (free cash flow, margins, ROE, …) are computed from those facts by the same model the U.S. financials pages use — not tagged by the filer.
Source: machine-readable OIM xBRL-JSON aggregated by filings.xbrl.org (XBRL International). Entity identity is resolved by LEI via the public-domain GLEIF register. This is reference data, not investment advice.