ABN AMRO

ABN AMRO sits in the mainstream Dutch banking tier: large enough to cover retail customers, mortgages, and business banking, but not so specialized that it loses its broad use. By our assessment, its strength is exactly that breadth, plus a familiar old-line bank feel that many customers still look for. The cost of that breadth is that it can seem less nimble than newer app-first challengers, and it does not pretend to be a boutique house. In practice, ABN AMRO is a bank for people who want a conventional large-bank relationship with the usual tools attached. The Astrina record says Netherlands, which is the right home for this kind of established national name.