Ifølge Nederlandene bør udskillelsen kunne skabe yderligere konkurrence på dette stærkt koncentrerede marked i betragtning af, at enheden vil få en god markedsandel inden for realkreditlån, forbrugerlån og visse opsparingsaktiviteter.
According to the Netherlands the carve out should be able to add competition in this highly concentrated market, given that it amounts to a good market share in the mortgage business and consumer loans and some savings activities.