Retail banking, which covers aspects like card payments and mortgages, is arguably the largest segment in Dutch banking. Banks, for example, were the biggest provider of mortgage loans in the Netherlands in 2019, with 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 2018, there were were roughly 124 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 2018, more than half 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 shoppinh and is supported by all Dutch consumer banks. Because of this, Dutch consumers used bank transfers relatively more for their e-commerce payments than consumers from the EMEA region (Europe, the Middle East, Africa).
The role of corporate banking within the Dutch economy is a vital one, especially for SMEs. The total amount of outstanding loans generally decreased between 2015 and 2019, due to lower demand. Compared to the EU-average of 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 2019, reaching 1.9 percent. The role of Dutch banks in investment banking, such as business advisory services, was more limited. In 2019, ING was the third biggest financial advisor on the M&A market.
Some banks offer private banking services for private investors or high-net-worth individuals. The biggest private bank from the Netherlands is ABN AMRO Meespierson, a branch from the big Dutch bank dedicated to wealth management and managed over 240 billion US dollars worth of assets in 2017. Other asset managers reached a higher AUM, however. In 2018, for example, APG listed as the biggest asset manager from Belgium, Luxembourg and the Netherlands, with worldwide assets under management valued at roughly 460,000 million U.S. dollars.