basic information
of the bankNature of the bank: commercial bank.
Full name: NIBC Bank N.V
Founded: 1945 as the Maatschappij tot Financiering van Nationaal Herstel to finance the post-World War II economic recovery of the Netherlands.
Head Office: Carnegieplein 4, 2517 KJ The Hague, Netherlands.
Shareholder Background: Currently owned by a consortium of international financial institutions organized by J.C. Flowers & Co., a U.S. private equity firm.
service
coverage: mainly in the Netherlands, Germany and Belgium, with a focus on the northwest European market.
Number of offline outlets: It has its headquarters in The Hague, Netherlands, and branches in Brussels, Frankfurt and London.
ATM Distribution: As a predominantly online bank, NIBC Bank N.V. does not have a widespread ATM network.
regulatory and compliance
regulators:
De Nederlandsche Bank, DNB): Responsible for prudential supervision.
Autoriteit Financiële Markten (AFM): Responsible for conduct regulation.
Deposit Insurance Scheme: Participation in the Dutch Deposit Guarantee Scheme (DGS), which provides deposit protection of up to €100,000 per account holder.
Recent Compliance Records: To date, no major compliance issues have been identified.
Financial healthCapital
adequacy ratio: According to the 2024 report, the common equity tier 1 capital adequacy ratio (CET1) is 17.8%, which is higher than regulatory requirements.
Non-performing loan ratio: As of the end of 2023, the non-performing loan ratio was 0.11%, showing good asset quality.
Liquidity Coverage Ratio: The specific data is not disclosed, but the bank maintains a robust liquidity management.
Deposit & Loan
ProductsDeposit Products:
offers demand and time deposits, with interest rates adjusted according to market conditions.
Featured products include high-yield savings accounts and large certificates of deposit (CDs).
Loan products:
providing mortgages, car loans, and personal lines of credit.
For energy-efficient homes, interest rate discounts of up to 0.10% are offered.
List of common expenses
Account Management Fee: Depending on the account type, a monthly or annual fee may apply.
Transfer fees: Domestic transfers are usually free of charge, while cross-border transfers may incur a fee.
Overdraft fees: Fees may apply if your account is overdrawn.
ATM interbank withdrawal fee: A fee may apply, depending on the ATM network used.
Hidden Fee Alert: Some accounts may have a minimum balance requirement that may be charged if it is not met.
digital service experience
APP and online banking:
provides NIBC Sparen application to support account management, Transaction viewing and fixed deposit operations.
The app is available for download on both Google Play and the App Store.
Core function:
face recognition login.
Real-time transfers.
Billing management.
Investment tool integration.
Technological innovation:
support for open banking APIs.
AI customer service and robo-advisory services are being explored.
customer service
quality service channel:
- provides
phone support and live chat.
Respond to customer inquiries through social media platforms.
Complaint Handling:
has a dedicated complaint handling department dedicated to resolving customer issues quickly.
Multi-language support:
Dutch, English and German are available for cross-border customers.
security measuresFunds
security:
- participate
in the Dutch Deposit Protection Scheme to ensure the safety of customer funds.
Employ advanced anti-fraud technologies such as real-time transaction monitoring.
Data security:
- ISO
27001 certified to ensure information security management.
To date, there have been no major data breaches.
Featured & Differentiated
Segment Services:
- student
accounts are generally waived.
Provide exclusive wealth management products for the elderly.
Launched green financial products to support ESG investment.
High-net-worth services:
providing private banking services and customized financial solutions.
Market Position & AccoladesIndustry
Ranking:
is a mid-sized player in the Dutch banking sector, focused on specific market sectors.
Awards:
- "
Best Digital Bank" and "Most Innovative Bank".
