Moderate risk profile

Moderate Risk Profile

Description

As a systemically important bank in the Netherlands, we need to conduct our business responsibly. Society expects us to avoid excessive risk, so we pursue a prudent risk policy and maintain diversification and focus in our activities. Our capital buffers are larger than what is required by regulations.

Value created

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

Assets

(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