{
  "title": "Kingdom of the Netherlands-Netherlands: Financial System Stability Assessment",
  "publication": "IMF Staff Country Reports, April 3, 2017",
  "sourceUrl": "https://www.imf.org/en/publications/cr/issues/2017/04/03/kingdom-of-the-netherlands-netherlands-financial-system-stability-assessment-44790",
  "canonical": "https://www.imf.org/en/publications/cr/issues/2017/04/03/kingdom-of-the-netherlands-netherlands-financial-system-stability-assessment-44790",
  "overlayPath": "/en/publications/cr/issues/2017/04/03/kingdom-of-the-netherlands-netherlands-financial-system-stability-assessment-44790/index.md",
  "summary": "This paper presents an assessment of financial system stability in the Netherlands. The country is home to a global systemically important bank and a global systemically important insurer. The banking system comprises half of the financial sector and is concentrated in four domestic banks.",
  "publishDate": "2017-04-03",
  "series": "IMF Staff Country Reports",
  "sections": [
    {
      "heading": "Key findings",
      "content": "- The Netherlands is home to a global systemically important bank and a global systemically important insurer.\n- The banking system comprises half of the financial sector.\n- Banking sector concentration: four domestic banks dominate the banking system.\n- Major reforms, driven by the European Union and global developments, have significantly strengthened financial sector oversight.\n- Authorities’ responses to the global financial crisis were far-reaching and addressed many deficiencies.\n- The Single Supervisory Mechanism has enhanced bank supervision.\n- Strengthened capital and liquidity regulations have improved banking-sector resilience.\n- Insurance supervision is stricter under Solvency II.\n- There is a new framework for the pension sector."
    },
    {
      "heading": "Thematic analysis",
      "content": "- Financial sector composition and concentration\n  - Banking constitutes 50 percent of the financial sector.\n  - Four domestic banks are the primary constituents of the banking system.\n\n- Regulatory and supervisory reforms\n  - EU-driven and global reforms have materially strengthened oversight.\n  - The Single Supervisory Mechanism has enhanced bank supervision.\n  - Capital and liquidity regulatory frameworks have been tightened.\n\n- Insurance and pensions\n  - Solvency II has made insurance supervision stricter.\n  - A new framework has been introduced for the pension sector."
    },
    {
      "heading": "Keywords and subject coverage",
      "content": "- Subject: Banking, Commercial banks, Expenditure, Financial institutions, Financial sector policy and analysis, Insurance companies, Mortgages, Pension spending, Stress testing\n- Keywords: asset, bank, bank Supervisory Boards, banking system, Commercial banks, coverage ratio, CR, credit loss, financial system, Global, holding company, Insurance companies, interest rate, ISCR, Mortgages, Pension spending, return on equity, sensitivity analysis, Stress testing\n\nKingdom of the Netherlands-Netherlands: Financial System Stability Assessment, April 3, 2017 (IMF Staff Country Report).\n\n---\n\n Content in this bundle\n\n- Country Report\n  - Country Report (Markdown version){rel=\"alternate\" type=\"text/markdown\"}\n  - Country Report (PDF){rel=\"external\" type=\"application/pdf\"}\n\n---\n\nSource: https://www.imf.org/en/publications/cr/issues/2017/04/03/kingdom-of-the-netherlands-netherlands-financial-system-stability-assessment-44790"
    }
  ],
  "bullets": [
    "[Markdown version](/en/publications/cr/issues/2017/04/03/kingdom-of-the-netherlands-netherlands-financial-system-stability-assessment-44790/index.md)",
    "[Structured JSON version](/en/publications/cr/issues/2017/04/03/kingdom-of-the-netherlands-netherlands-financial-system-stability-assessment-44790/index.json)",
    "[Bundle manifest](/en/publications/cr/issues/2017/04/03/kingdom-of-the-netherlands-netherlands-financial-system-stability-assessment-44790/bundle-manifest.json)",
    "Published: April 3, 2017",
    "Series: IMF Staff Country Reports",
    "DOI: https://doi.org/10.5089/9781475591828.002",
    "The Netherlands is home to a global systemically important bank and a global systemically important insurer.",
    "The banking system comprises half of the financial sector.",
    "Banking sector concentration: four domestic banks dominate the banking system.",
    "Major reforms, driven by the European Union and global developments, have significantly strengthened financial sector oversight.",
    "Authorities’ responses to the global financial crisis were far-reaching and addressed many deficiencies.",
    "The Single Supervisory Mechanism has enhanced bank supervision.",
    "Strengthened capital and liquidity regulations have improved banking-sector resilience.",
    "Insurance supervision is stricter under Solvency II.",
    "There is a new framework for the pension sector.",
    "Financial sector composition and concentration",
    "Regulatory and supervisory reforms",
    "Insurance and pensions",
    "Subject: Banking, Commercial banks, Expenditure, Financial institutions, Financial sector policy and analysis, Insurance companies, Mortgages, Pension spending, Stress testing",
    "Keywords: asset, bank, bank Supervisory Boards, banking system, Commercial banks, coverage ratio, CR, credit loss, financial system, Global, holding company, Insurance companies, interest rate, ISCR, Mortgages, Pension spending, return on equity, sensitivity analysis, Stress testing",
    "**Country Report**"
  ],
  "related": [
    {
      "title": "Country Report",
      "role": "report",
      "sourceUrl": "https://www.imf.org/-/media/files/publications/cr/2017/cr1779.pdf",
      "summary": {
        "path": "/-/media/files/publications/cr/2017/cr1779.pdf.md",
        "mime": "text/markdown"
      },
      "binary": {
        "path": "/-/media/files/publications/cr/2017/cr1779.pdf",
        "mime": "application/pdf"
      }
    }
  ],
  "alternates": {
    "markdown": "/en/publications/cr/issues/2017/04/03/kingdom-of-the-netherlands-netherlands-financial-system-stability-assessment-44790/index.md",
    "json": "/en/publications/cr/issues/2017/04/03/kingdom-of-the-netherlands-netherlands-financial-system-stability-assessment-44790/index.json",
    "bundleManifest": "/en/publications/cr/issues/2017/04/03/kingdom-of-the-netherlands-netherlands-financial-system-stability-assessment-44790/bundle-manifest.json"
  },
  "generatedAtUtc": "2026-09-23T10:37:50.861Z"
}