basic bank information
Van Lanschot Kempen N.V. is an independent Dutch commercial bank focused on private banking, asset management and institutional financial services, and is a listed financial institution, not a state-owned or joint venture bank.
name and background:
founded in 1737, is one of the oldest independent banks in the Netherlands.
based in 's-Hertogenbosch, Netherlands (Hooge Steenweg 29).
Shareholder background: Listed on Euronext Amsterdam, ING holds about 20% of its shares (2025 data).
Scope of services: The bank has private banking operations in the Netherlands, Belgium and Switzerland, investment management operations in Amsterdam, London and Paris, and investment banking operations in Amsterdam, Antwerp, Zurich and New York.
Regulation & Compliance: Van Lanschot Kempen is regulated by the Dutch central bank (De Nederlandsche Bank, DNB) and participates in the Netherlands' deposit protection scheme, which provides protection of up to €100,000 per depositor.
full name: Van Lanschot Kempen N.V
Financial health
capital adequacy ratio: The bank's CET1 common equity tier 1 (CET1) ratio was 19.4% at the end of 2024, well above regulatory requirements.
Non-performing loan ratio: The non-performing loan ratio was 1.4% at the end of 2024, demonstrating solid asset quality.
Liquidity Coverage Ratio: The Liquidity Coverage Ratio (LCR) is 217%, significantly higher than the regulatory minimum requirement of 100%.
Deposit & Loan Products
Deposit products: Van Lanschot Kempen offers a variety of fixed deposit products, with interest rates varying depending on the tenor, for example, The interest rate is 2.35% p.a. for a 12-month time deposit and 2.75% p.a. for a 36-month time deposit.
Loan products: The bank mainly provides customized loan services for high-net-worth customers, including housing loans, car loans and personal lines of credit, with specific interest rates and conditions depending on the financial situation and needs of customers.
List of common fees
Account Management Fee: Depending on the account type and service scope, an account management fee may apply.
Transfer fees: Domestic transfers are usually free, but cross-border transfers may incur a fee depending on the amount and destination of the transfer.
ATM withdrawal fees: ATM withdrawals within partner networks are usually free, and interbank or international ATM withdrawals may incur fees.
Other fees: If the account balance falls below the minimum requirement, a low balance fee may apply.
Digital Service Experience
Mobile App & Online Banking: Van Lanschot Kempen offers a full-featured mobile banking app that supports account viewing, transfers, portfolio management and more.
Technological innovation: The bank is actively adopting AI technologies, such as AI customer service and robo-advisors, and supports open banking APIs to improve customer experience and service efficiency.
Customer Service Quality
Service Channels: Multiple customer service channels are available, including phone support, live chat, and social media response.
Complaint handling: Customers can submit complaints by email or post, and the bank acknowledges receipt and informs them of the progress
of the process, usually within two weeksMultilingual support: Multilingual services including English, Dutch and French are available to meet the needs of international customers.
Security measures
security of funds: participate in the deposit protection scheme in the Netherlands, which provides protection of up to €100,000 per depositor.
Data Security: Adopt advanced security technologies and measures to ensure the security of customer data and comply with relevant data protection regulations.
Featured Services & Differentiation
market segment services: Provide customized services for different customer groups, such as student accounts, financial management for the elderly, and green financial products.
High Net Worth Services: Provide private banking services to high net worth clients, including customized wealth management solutions and dedicated relationship manager services.
Market Position & Accolades
Industry ranking: Leading position in the Dutch private banking sector, with a global impact on AUM.
Awards: Named "Best Private Bank in the Netherlands" in 2024 and winner of several awards for technological innovation in Europe, it demonstrates its excellence in wealth management and digital services.
