Moderate risk profile

Moderate Risk Profile


Ensuring we are a solid bank that avoids excessive risk and delivers stable results is ultimately in our clients’ interests. This is why we pursue a prudent risk policy and maintain diversification and focus in our activities.

Value created

  • We have limited market risks and portfolios, and we focus on collateralised lending. 
  • We pursue sound capital and liquidity management.


(in %)
Residential mortgages 39
Other loans to customers 29
Loans to banks 3
Securities financing 4
Derivatives 4
Financial investments 12
Other assets 9

Liabilities & equity

(in %)
Client deposits 58
Bank deposits 3
Long-term & subordinated debt 19
Securities financing 3
Derivatives 4
Short-term debt 4
Equity 5
Other liabilities 4