Deployment of macro-prudential instruments

DNB aims to strengthen financial stability. Since 1 January 2014, this has been laid down in the Banking Act as one of our statutory tasks, which means that we have more options to promote financial stability in the Netherlands. For example, we now have the authority to deploy a range of macroprudential instruments. Below you can find an overview of these instruments, together with their current status.

Instrument

Status (2018)

Publication

Explanation

Systemic buffer

ING Bank: 2.25%

Rabobank: 2.25%

ABN AMRO: 2.25%

Volksbank: 0.75%

BNG Bank: 0.75%

DNB’s systemic importance framework for banks brought in line with new EU standards

These requirements will be phased in until 2019, when ING Bank, Rabobank and ABN AMRO will have to maintain a systemic buffer of 3% of risk-weighted assets, and SNS Bank and BNG Bank a buffer of 1%.

Countercyclical capital buffer

0%

DNB sets countercyclical capital buffer at nil

Each quarter, DNB will reassess this add-on.

Flexibility package

non-active

 

 

LTV limit

100%

 

Tijdelijke regeling hypothecair krediet (Dutch only)

Recommendation from the Financial Stability Committee on the LTV limit after 2018

Set by the Minister. The FSC recommends reducing the limit still further to 90%.