The three big Dutch banks closed a total of 102 branches this year, according to news website Nu.nl.

ABN Amro had 77 branches at the start of 2022 and now has just 27. ING reduced its branch network from 88 to 57 while Rabobank closed 21 offices and now has 136.

ABN Amro told Nu.nl that it has set up a network of ‘financial care coaches’ to help people take care of their affairs at home, either in person, online or via the telephone.

ING, which closed a third of its remaining outlets, said an office was on the closure list if fewer than three customers per hour use its services. The bank has set up service points in a number of shops in areas where bank branches have shut.

Rabobank said it now offers customers service points where they can get advice on specific subjects, such as a mortgage in an area of new housing.

None of the banks would say how many branches are earmarked for closure in 2023.