Hereby the latest edition of the State of the Banks, providing a comprehensive view of the dynamic Dutch banking sector in 2025. This edition takes a deeper look at the dynamics within banks’ business segments and their contribution to overall performance. Key findings include:
- In 2025, Dutch banks demonstrated resilient income development, despite the transition to a more normalized profit environment.
- Margin pressure resulting from stabilizing interest rates and increased competition was offset by credit growth and rising fee income.
- However, operational costs across the sector remain structurally high: banks continue to invest heavily in digitalization and AI, on top of their cost reduction programs. Despite this, profitability remained robust and largely in line with 2024 results.
- Retained earnings once again contributed to strong capital buffers. The implementation of CRR3 is reshaping capital planning, with the output floor having varying impacts across banks.
Download the full report below for more information.
