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On-site supervision of pension funds and insurers


Published: 02 November 2015

Latest update: 18 January 2023

DNB works towards solid and sound financial institutions and therefore supervises pension funds and insurers. On-site supervision is one of the supervisory tools available to DNB. 

The on-site investigation is an in-depth supervisory investigation that largely takes place on location at a financial institution. It is complementary to regular account supervision and focuses on specific topics or themes at one or more institutions. The investigation is characterised by, among other things:

  • A high intensity with a dedicated and independent investigation team
  • A high degree of flexibility in the scope of the investigation
  • Identification of risks tested against the legal framework
  • A final report focused on starting points for concrete improvements

DNB's supervision is risk-based. This means that the choices DNB makes in its supervision depend, among other things, on the impact class of a pension fund or an insurer. The impact class in turn depends on the importance of this institution for the stability of the financial system. An on-site investigation focuses on institutions with a medium to high impact class.


DNB has developed a brochure to help pension funds and insurers better prepare for such investigations. We would like to refer you to this brochure for further explanation on, for instance, the investigation process and what DNB expects from a pension fund or an insurer during an on-site investigation. 

Are you curious about other information on DNB's supervision besides on-site investigations? For more information on our ATM process see the brochure Redesigned supervisory approach.

For more information on on-site supervision of banks see Guide to on-site inspections and internal model investigations (europa.eu).

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