Corporate Banking in Netherlands

RAROC profiles and pricing benchmarks for 3 Netherlands banks, sourced from Pillar 3 disclosures.

Overview

OpenRAROC tracks 3 banks headquartered in Netherlands with a combined corporate credit exposure of EUR 493bn. The average Netherlands bank in our dataset has a cost-to-income ratio of 57.8% and an average corporate probability of default of 1.97%. On a representative BBB+ EUR 25M 5-year term loan, these banks generate an average RAROC of 7.20%.

Cheapest vs most expensive in Netherlands

On the standard sample deal, Rabobank is the cheapest lender in Netherlands, requiring just 251bp to hit a 12% RAROC hurdle. The most expensive is ING Group at 262bp — a difference of 12bp on the same deal. For a EUR 25M facility, that's EUR 29,097 per year in interest expense.

All 3 banks ranked by RAROC

RAROC computed on a representative BBB+ rated, 5-year, EUR 25M term loan at 150bp spread. Click any bank for its full profile.

#	Bank	C/I	Avg PD	LGD	EAD	RAROC	Min spread
1	Rabobank	54.5%	4.07%	34.2%	EUR 148bn	7.45%	251bp
2	ABN AMRO	64.4%	0.10%	45.0%	EUR 2bn	7.11%	259bp
3	ING Group	54.6%	1.74%	17.8%	EUR 343bn	7.03%	262bp

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