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The return on equity (ROE) of ING Group increased year-on-year from 2014 to 2017, and decreased between 2018 and 2020. In 2024, the Group as a whole had a ROE of approximately ** percent, a decrease compared to the previous year. This indicated that ING's profitability declined marginally in 2024 following its peak ratio of **** percent in 2023. 

Banking is an important service industry in the Netherlands, being responsible for the funding of both international as well as domestic trade. Dutch banking has two important characteristics. Firstly, only a few large institutions dominate its financial markets. In 2024, for example, the five largest Dutch credit institutions, which include ING, Rabobank and ABN Amro, held **percent of the total assets. Secondly, the Dutch banking sector is one of the most concentrated in Europe.