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Report 04 Nov 2026

Banking - Market View - Netherlands

Dutch banks are entering the final quarter of 2026 profitable and focused on consolidation and technology investment. Much of this investment is being financed through cost-saving initiatives and operational efficiencies, rather than through increases in overall spending. Growing consideration for these banks is where their technology suppliers are based, as sovereignty and regulatory pressure play an increasingly bigger role in procurement.

  • Rabobank committed to spend up to €2bn over 3 years to data, IT, and AI. ABN AMRO has saved €300m toward a €900m target, mainly in IT, and ING guides to €350m in 2026 efficiencies, with 1,250 fewer operational FTEs.
  • AI is moving from pilots to production. ABN AMRO reports almost 50 production use cases, ING scaled its agentic mortgage assistant in June 2026, and bunq handles 97% of support with AI.
  • Sovereignty is starting to impact procurement decision-making and existing relationships. The Dutch Central Bank (DNB) requested that Dutch banks reduce their dependence on US suppliers within 5 years; in April 2026, the DNB itself selected Schwarz Digits as its European cloud provider, while ABN AMRO selected Mistral in August 2026.
  • The consolidation momentum continues with ABN AMRO closing NIBC, ASN Bank merging its retail brands, and Alfam moving to Rabobank, creating integration and legacy decommissioning opportunities.
  • Regulatory changes also offer opportunities, including the transition from IDEAL to Wero, the EU anti-money laundering regulation, and the digital euro pilot, starting mid-2027.
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Sidney Siegertsz

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