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  "documentTitle": "2025 Capital Markets Day",
  "authorId": "ABN-AMRO",
  "authorName": "ABN AMRO",
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  "notes": "The slide uses a combination of bulleted lists for qualitative drivers and a line chart for quantitative margin assumptions.",
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      "text": "Based on this outlook commercial NII could rise to around €7.2bn.",
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      "text": "1) Excluding NIBC; 2) As of 2026 result from Equity Duration based on CET1 target of 13.75% 3) Including c.€0.3bn NII from NIBC NII (based on annualised H1'25 result)",
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      "kind": "list",
      "text": "2026 commercial NII guidance around €6.4bn; Liability NII positively impacted from full-year HAL NII and underlying volume growth; Asset NII slightly lower versus 2025 from margin pressure; Other commercial NII expected at similar levels.",
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      "text": "2028 commercial NII assumptions; Increasing liability margins; Asset margins expected to gradually decrease; Growth in both asset and liability volume; Commercial NII could rise to around €7.2bn.",
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      "text": "Commercial NII: €6.4bn",
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      "text": "NII guidance for 2026 and expectation for 2028",
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