Corporate Banking in Netherlands
RAROC profiles and pricing benchmarks for 3 Netherlands banks, sourced from Pillar 3 disclosures.
Last updated: March 2026 · Data source: public Pillar 3 disclosures
Banks tracked
3
Headquartered in Netherlands
Total corporate EAD
EUR 493bn
Combined exposure
Avg cost-to-income
57.8%
Operating efficiency
Avg corporate PD
1.97%
Probability of default
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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FAQ: corporate banking in Netherlands
How many banks in Netherlands does OpenRAROC cover?
OpenRAROC tracks 3 banks headquartered in Netherlands, with a combined corporate credit exposure of EUR 493bn reported in their most recent Pillar 3 CR6 disclosures.
Which Netherlands bank has the tightest corporate credit pricing?
On a representative BBB+ EUR 25M 5-year term loan, Rabobank requires the lowest minimum spread to clear a 12% RAROC hurdle (251bp), making it the cheapest lender in the Netherlands cohort on that specific deal.
What is the average cost-to-income ratio of Netherlands banks?
The 3 Netherlands banks in the dataset report an average cost-to-income ratio of 57.8% and an EAD-weighted average corporate probability of default of 1.97%.
How is RAROC calculated for Netherlands banks?
Each bank is priced on the same BBB+ EUR 25M 5-year term loan, using its own disclosed cost-to-income, effective tax rate, funding spread, and IRB-approach PD/LGD parameters. See the methodology page for the full formula.