Banks have the option of applying for a partial licence rather than a full bank licence.
Annex 1 to the Capital Requirements Directive (CRD) has a list of possible bank activities. A full licence includes all of these activities. A partial licence pertains to a limited number of these activities. If you want to apply for a partial licence, then at least the activities listed under 1 and 2 must be part of your intended activities. These activities include inviting deposits and other repayable funds and granting credits on own account.
A partial licence may be an attractive option if a bank does not intend to perform all activities subject to a licence and regulations, or not immediately so. This may be a temporary situation, e.g. because the institution's operational management is not yet equipped to perform all activities. A partial licence may also be permanent, e.g. if the institution is a niche player.
If a partially licensed institution wants to expand its activities, it can apply for a licence for these additional activities only. In this way, institutions can grow towards a full licence.
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
As at 30 June 2024, Dutch households held some €15 billion in bank deposits in other euro area countries, the latest figures from DNB and the European Central Bank (ECB) show. This means foreign savings keep growing.
Read more Dutch households see foreign bank deposits double in two years
