Our subsidiaries

ABN AMRO draws on the capabilities of an extensive network of subsidiaries particularly in the Netherlands. Those subsidiaries are related to our three business segments (Retail Banking, Private Banking and Corporate Banking) and Group Functions.

Retail Banking

Website Hypothekengroep

ABN AMRO Hypotheken Groep

Responsible for the mortgage activities within ABN AMRO providing mortgages products through various channels and distributed under various brands including Florius and MoneYou.

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Website Verzekeringen

ABN AMRO Verzekeringen

A joint venture with Delta Lloyd (ABN AMRO 49% stake) offering life and non-life insurances to consumer and commercial clients under the ABN AMRO brand.

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Website Pensions

ABN AMRO Pensions

ABN AMRO Pensions is a premium pension institution which offers innovative defined contribution schemes to employers online.

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Website ALFAM


ALFAM provides consumer lending products largely through intermediaries via four different labels: DEFAM, Alpha Credit Nederland, Credivance and GreenLoans.

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Website International Card Services

International Card Services

Responsible for the credit card activities of ABN AMRO issuing both co-branded and own label credit cards. ICS is active in the Netherlands and Germany.

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Website MoneYou


Specialises in online financial services (savings, mortgages and consumer loans) for retail clients and also offers savings products outside the Netherlands (Germany, Belgium and Austria).

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Private Banking

Website Neuflize

Banque Neuflize OBC

Neuflize OBC operates 11 branches in the main French cities and provides an integrated approach to private and commercial clients with a dedicated advisory and products offering.

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Website Bethmann Bank

Bethmann Bank

Bethmann Bank operates 12 branches in the main economic regions of Germany. Bethmann Bank offers private banking services and private wealth management related services.

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Corporate Banking

Website Clearing

ABN AMRO Clearing

ABN AMRO Clearing offers global direct market access and clearing services on more than 150 liquidity centres worldwide and is a fully licensed and regulated Dutch bank.

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Website Commercial Finance

ABN AMRO Commercial Finance

ABN AMRO Commercial Finance provides receivable and inventory financing solutions to clients by means of key business introducers and direct distribution channels. ABN AMRO Commercial Finance is active in the Netherlands, France, Germany, the United Kingdom and in Belgium (cross-border).

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Website Lease


ABN AMRO Lease delivers asset-based solutions (i.e. equipment lease) to SMEs, a broad range of national and international operating corporates and the public sector. ABN AMRO Lease is active in the Netherlands, Germany and the United Kingdom with dedicated local sales teams in Belgium (cross-border).

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Group Functions

Website Funding USA LLC


This subsidiarity is active in the US market in issuing the Group’s US dollar commercial paper funding for clients operating in the US and for clients with US dollars loans.

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Website Stater


Stater is the largest mortgage service provider in the Netherlands. Stater facilitates more than 30% of all mortgages in the Netherlands – from approving the mortgage application to the final mortgage payment.

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Website van Beter


Beter, a subsidiary of ABN AMRO, provides a full range of health and safety services for the financial sector. The professionals at Beter support ABN AMRO staff in the Netherlands if they are absent due to illness and help them reintegrate into the workplace.

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