Netherlands: Finance and Banking

EU banks now operate with stronger capital and liquidity positions following post-crisis reforms, but attention is shifting to how the framework functions in practice. Fragmentation within the single market, regulatory complexity, and the implementation of Basel III standards are emerging as central policy concerns. France, Italy and Spain are exploring ideas to facilitate cross-border banking activity while the European Commission reviews the sector's competitiveness.

The Dutch Senate has approved legislation implementing CRD VI, fundamentally changing how non-EU banks can provide loans and banking services to corporate borrowers in the Netherlands and across the EU.

The Dutch Central Bank (De Nederlandsche Bank, DNB) is raising concerns about insufficient compliance with capital and liquidity requirements by investment firms and managers of investment institutions (AIFMs).

Op 13 februari 2026 heeft de Hoge Raad prejudiciële vragen beantwoord die van groot belang zijn voor de praktijk van het insolventierecht en het arbeidsrecht.

The Netherlands is widely recognised as a leading international financial centre and has a mature investment funds industry with an attractive investment environment due to, amongst others...

In the beginning of this year, the Dutch Financial Markets Authority (Autoriteit Financiële Markten, AFM) published its 2025 supervisory agenda which elaborates further on the developments...

Steeds vaker zetten rechters een streep door bedingen die niet weg te denken zijn in contracten. Op de valreep van 2024 oordeelde het gerechtshof...

Op 11 juni 2024 heeft de Tweede Kamer het Wetsvoorstel opheffing verpandingsverboden aangenomen. Dit wetsvoorstel zorgt ervoor dat het niet langer mogelijk

The Netherlands is considered a creditor-friendly jurisdiction. However, there are some aspects of Dutch law that US financial institutions considering ship finance in the Netherlands should be aware of.

The Court of Justice of the European Union has issued a significant ruling on whether a Dutch construction-sector guarantee provider requires authorisation as a payment service provider under the Payment Services Directive. While the decision is confined to fact-specific circumstances, it has the potential to influence how key regulatory concepts will be interpreted under the forthcoming PSD3 regime...

The Court of Justice of the European Union has ruled on whether an intermediary providing security deposit services falls within the scope of the Payment Services Directive 2. The judgment clarifies when funds transfer activities constitute regulated payment services versus ancillary functions to a primary business offering. This decision has significant implications for financial service providers operating in the European Union.

The Court of Justice of the European Union has delivered a landmark judgment clarifying whether businesses that receive, hold and transfer client funds are providing regulated payment services under PSD2.