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This article presents the results of a survey among more than six hundred   bankers in the Netherlands about banking culture. It addresses the question   why trust in banks remains so low (45% of clients trust banks in the   Netherlands). The key findings indicate that the problem is not so much   immoral bankers or a few rotten apples but rather the dominance of a   competitive banking culture. The findings suggest that clients’ trust may be   regained when banks leave behind their focus on performance targets,   financial incentives, and behavioral regulation and move instead to a caring   culture with a focus on relationships and open discussion of ethical   dilemma’s

Dutch banking culture six years after the fall of ABN AMRO bank