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The share of total assets of the five largest credit institutions in the Netherlands increased overall between 1997 and 2024, despite some fluctuation. The concentration ratio, a measure of the percentage market share in an industry held by the largest firms within that industry, was 81.3 percent in 2024.

Banking is an important service industry in the Netherlands, responsible for the funding of both international and domestic trade. In the period between 2008 and 2025, the total number of banks in the Netherlands decreased from 312 banks in 2008 to 83 banks in 2025. In this period of time, the size of the banking sector as a whole in the Netherlands decreased.