Banking in the Netherlands - statistics & facts

Banking and financing are important service industries in the Netherlands, providing funds for international as well as domestic enterprises. Overall, assets of domestic banking groups reached a value of approximately 2.6 trillion euros in the first half of 2022, more than twice the size of the Dutch GDP. An important characteristic of the banking sector in the Netherlands, though, is that a few institutions are dominantly bigger than others. Assets of ING, Rabobank and ABN AMRO were much higher in 2021 than those of, for example, Volksbank, a banking group that owns multiple domestic brands. Another characteristic of Dutch banks is their diverse activities in various business segments.

Retail banking

Retail banking covers services like card payments and mortgages. Banks, for example, are the biggest provider of mortgage loans in the Netherlands, with the three largest banks - ABN AMRO, Rabobank, and ING - having reached a combined market share of over 43 percent in 2021. Additionally, card payments in the Netherlands grew in recent years at the cost of cash payments, despite a slight decrease in 2021. In 2021, the number of payment transactions at point of sale terminals with cards issued was approximately 3.94 billion. In 2021, 70 percent of all e-commerce payment transactions were done with iDEAL. This domestic bank transfer system allows online shoppers to use their debit card for online shopping and is supported by all Dutch consumer banks.

Corporate banking

The role of corporate banking within the Dutch economy is a vital one, especially for SMEs. The total amount of outstanding SME loans overall decreased between 2015 and the first half of 2022, but spun off during the first quarter of 2021, as a result of government measures implemented due to the coronavirus pandemic. Compared to the EU-average of around 2.1 percent, though, the non-performing loan (NPL) ratio in the Netherlands (the rate at which a bank's lower are not repaid) was significantly lower in 2021, at 1.6 percent.
This text provides general information. Statista assumes no liability for the information given being complete or correct. Due to varying update cycles, statistics can display more up-to-date data than referenced in the text.
Published by Statista Research Department, Oct 24, 2022

Key insights

Largest bank in the Netherlands
ING
Total assets of Dutch banking industry
2.57bn EUR
Dutch bank with most branches
RegioBank
Get more insights

Editor’s Picks Current statistics on this topic

Average interest rate for new mortgages in the Netherlands from 2003 to August 2022, by mortgage term

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Historical mortgage rates in the Netherlands 2003-2022, by mortgage term

Leading banks in the Netherlands in 2021, by total assets (in million euros)

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Biggest banks in the Netherlands 2021, by total assets

Interest rates on savings accounts from different banks and financial service providers in the Netherlands as of February 2023

Savings & Debt

Savings interest rates in the Netherlands 2023, by bank

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