Netherlands: Tier 1 capital ratio of largest banks 2022

The Tier 1 capital ratio of all six of the Netherlands' biggest banks far exceeded the minimum requirements, indicating a high level of financial strength among the four retail and two specialist banks. The Tier 1 capital ratio measures a bank's core equity capital divided by its total risk-weighted assets (RWA). In its current form in the third Basel Accord, known as Basel III, financial institutions must maintain a ratio above a certain minimum to ensure that they are protected against unexpected losses, such as those that occurred during the financial crisis. The minimum was set at six percent.

In 2022, ING Bank was the biggest bank in the Netherlands based on assets. In the second half of 2022, ING Bank's Tier 1 capital ratio stood at 16.4 percent.

Tier 1 capital ratio of the six biggest banks in the Netherlands from 1st half of 2015 to 2nd half of 2022

Characteristic	ABN AMRO	BNG Bank	de Volksbank	ING Bank	Nederlandse Waterschapsbank	Rabobank
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Release date

July 2023

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Region

Netherlands

Survey time period

H1 2015 to H2 2022

Supplementary notes

Dutch sources do not publish numbers for 2018 and 2019 that cover the entire market. Instead, domestic sources only mention financial figures per bank.

This ranking consists of four retail banks (ABN AMRO, ING, Rabobank and Volksbank) as well as two specialized banks which exclusively provide services for the Dutch government and other publicly owned organizations: BNG and NWB (or Nederlandse Waterschapsbank).

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