Why is the non-compliant party's ability to pay a criterion and how is it determined?
The legislature believes that the financial impact of an offence on companies of different sizes should be proportionate, which is why their ability to pay is a criterion. Natural persons are also assessed for their ability to pay.
Aspects used to determine legal entities' ability to pay include own funds, balance sheet total, turnover, profit and loss account, and the institution's soundness and liquidity. A natural person's ability to pay is determined on the basis of their income, assets, debts, regular charges and other personal circumstances. It is up to non-compliant parties to provide information on their ability to pay.
Dutch mortgage funds received €2 billion in new investments from institutional investors such as pension funds and insurers in the first three quarters of 2024, DNB figures show. This is less than in previous years and can be attributed to market interest rates having risen sharply during 2022.
Read more Investor interest in Dutch mortgage funds continues to decline
DNB has reviewed the identification and buffer requirements for systemically important banks and maintains the current requirements.
Read more DNB maintains buffers for systemically important banks
On Tuesday 5th November from 3:00-4:45 PM CET DNB will organize a physical information session about fit and proper assessments.
Read more Information session about fit and proper assessments DNB
On 30 September 2024, DNB published the amendments to the two policy rules for the deposit guarantee scheme (DGS). These amendments were publicly consulted in June 2024.
Read more Adoption of the 2024 amendments to the Policy Rules for the Deposit Guarantee Scheme
