Single Customer View
DNB expects banks to submit a Single Customer View (SCV) for the purposes of the Deposit Guarantee Scheme (DGS). Banks need to prepare this SCV carefully, correctly and in good time. An overview of the rules and requirements concerning the SCV.
Single Customer View Policy Rule
DNB has laid down the requirements for SCVs in the Single Customer View Policy Rule (Beleidsregel Individueel Klantbeeld Wft 2017). The policy rule describes how banks can set up their administration, procedures and measures to ensure a timely, accurate and correct SCV. Banks need to organise their systems and processes (SCV system) to this end. In addition to periodic submission of the SCV file, banks must also commission annual audits of their SCV system.
Requirements for banks
The following documents set out the requirements for banks:
- Single Customer View Policy Rule (SCV Policy Rule), as published in the Government Gazette, which forms part of the document Policy Rules for the DGS.
- DGS Data Delivery Manual
- Data Delivery Agreement (DDA) with Logical Data Model (LDM)
I. SCV Policy Rule: version overview
We have laid down the SCV requirements for banks in the SCV Policy Rule. DNB published the policy rule in 2017 and issued amended versions in February 2019 and October 2021 (link to Government Gazette in Dutch). The most recent consolidated version of the policy rule is available in the Wettenbank (in Dutch) and will be published in English on this website in a new version of the document Policy Rules for the DGS for banks (forthcoming by the end of 2021, in the meantime please consult the adoption document below).
The rounds of amendments include transitional periods. Future audit reports must be based in part on previous versions of the SCV Policy Rule. Below is an overview of relevant versions of the document Policy Rules for the DGS for banks.
Basis for data submission starting
Consultation document third round of amendments DGS Policy Rules – September 2022
1 April 2023
Policy Rules for the DGS for banks - October 2021 (third version)
Second round of amendments 2021
1 April 2022
Policy Rules for the DGS – February 2019 (second version)
First round of amendments 2019
1 January 2020
Not available in English.
Policy Rules for the DGS – July 2017
1 January 2019
|Policy Rules for the DGS – July 2017|
Consultation third round of amendments DGS Policy Rules
On September 5th, DNB has published a consultation document containing the proposed amendments to the Single Customer View (SCV) Policy Rule and the Policy Rule on the Scope and Execution of the DGS. The proposed amendments are in response to banks’ questions on the composition and submission of SCV files and DNB’s wish to clarify a number of specific DGS situations. Stakeholders can submit questions, comments or suggestions for improving the proposed amendments to DNB by October 14th the latest. The input will be included in the amendments where appropriate. The publication of the final amendments is planned for November 2022, after which the changes that impact the banks’ SCV-system will have to be implemented by April 1, 2023.
DNB also published a news item about this consultation.
II. DGS Data Delivery Manual
The DGS Data delivery manual offers practical support to banks in preparing and submitting the SCV. The rounds of amendments include transitional periods. Future audit reports must be based in part on previous versions of the manual. Below is an overview of relevant versions of the DGS Data Delivery Manual.
III. Data Delivery Agreement (DDA) with Logical Data Model (LDM)
The specification of data delivery is described in a Data Delivery Agreement (DDA), which also comprises a Logical Data Model (LDM). The DDA elaborates the DGS regulations and describes the technical specifications of data exchanges. The DDA also includes a set of files and documents. You will find the most recent version of the DDA and other files and documents in the ZIP file.
The Data delivery via Logius Digipoort document contains technical specifications for delivery using Logius Digipoort.
Supervision by DNB
DNB supervises compliance with the requirements set out in the SCV Policy Rule. For this purpose, we adopted the Assessment framework for supervision of compliance with the requirements of the Single Customer View Policy Rule (in Dutch, English version will be published beginning 2022). The elements of the assessment framework include:
- Several indicators that clarify the extent to which banks comply with the requirements
- The role of the audit of a bank's SCV system, conducted by the internal audit department and the external auditor
- A growth path for the period 2020-2023 specifying deadlines by which expected improvements are to be realised by the banks
- which measures DNB can take if targets are not met (on time)
DNB’s assessment of compliance with the SCV Policy Rule
We send banks individual overviews of the extent to which they meet the requirements of the policy rule each year. We describe the improvements we expect them to achieve, in accordance with the development trajectory set out in the assessment framework.
At least once a year, banks must instruct their external auditor to express an opinion on the bank's compliance with the requirements of the SCV Policy Rule. The assignment must be based on ISAE 3402 (see Section 12 of the SCV Policy Rule).
Internal audit department
As part of the bank's three lines of defence model, the internal audit department, too, must assess at least once a year whether the requirements set out in the policy rule have been met. The internal audit department’s report must be available within a reasonable time to allow coordination of the various procedures with the external auditor (see Section 11 of the SCV Policy Rule).
The Assessment framework for supervision of compliance with the Single Customer View Policy Rule provides more guidance on the SCV audit.
Policy Rules for the DGS
Creation of and amendments to the Policy Rules for the DGS
- Consultation document third round of amendments to the DGS Policy Rules - September 2022 (09 September 2022 | 208KB PDF)
- Second round of amendments to the DGS Policy Rules - Final adoption - October 2021 (15 December 2021 | 198KB PDF)
- First round of amendments to the DGS regulations - Final adoption – February 2019 (13 April 2021 | 190KB PDF)
- First round of amendments to the Deposit Guarantee Scheme Regulations - consultation - October 2018 (13 April 2021 | 187KB PDF)
- Consultation Paper on Deposit Guarantee Scheme Regulations – March 2017 (298KB PDF)