Case Study: Rabobank merges 100+ local banks into one modern entity with PA Consulting

Merging the administration and infrastructure of over 100 independent local banks into a single, modern entity in just eight months

Rabobank, one of the Netherlands’ top retail banks, needed to overhaul a complex structure made up of 106 independent local banks and a cooperative central institution. To improve compliance, reduce costs, and strengthen efficiency, the bank had just eight months to merge its administration, processes, and infrastructure into a single cooperative entity with one banking licence. PA Consulting provided the implementation expertise to support this major integration.

PA Consulting began with an impact analysis to identify the organizational and systems changes required, then developed and executed the implementation plan across both primary and support processes. The merger was completed on time, and the European Central Bank praised it as a strong example of a large, complex integration done smoothly. PA Consulting’s support gave Rabobank a more transparent infrastructure for modern, responsive financial services and stronger stakeholder relationships.

Rabobank