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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 2.3 trillion euros in 2020, a size that more than doubles the size of the Dutch GDP. An important characteristic of the banking sector in the Netherlands, though, is that a few institutions are bigger than others. Assets from ING, Rabobank and ABN AMRO were much higher than those from, 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 aspects 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 - reaching a combined market share of over 50 percent. Additionally, card payments in the Netherlands grew in recent years at the cost of cash payments. In 2020, there were roughly 112 POS transactions per card that was issued by a resident payment service provider. This use of debit cards translates to online use as well. In 2020, almost 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 2020, 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 three percent, though, the non-performing loan (NPL) ratio in the Netherlands (the rate at which a bank's lower are not repaid) was much lower in 2020, at 1.9 percent.

Interesting statistics

In the following 6 chapters, you will quickly find the 23 most important statistics relating to "Banking in the Netherlands".

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