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🇳🇱Netherlands · EU member

De Nederlandsche Bank

DNB · Central bank
Amsterdamwww.dnb.nl
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FY2025 · as of 31 December 2025Published figures unless marked

Employees~2,200FY2025Estimate
Annual budget€571.3mactual cost of core tasks (whole institution)
Supervised entitiesSee the breakdown belowFY2025

Overview

De Nederlandsche Bank is the Dutch central bank and prudential supervisor, combining Eurosystem monetary policy with licensing and supervision of banks, insurers, pension funds, and payment and e-money institutions — the Netherlands' payments licensing authority. In 2025 its supervision was dominated by the pension transition, with 30 of 138 pension funds converted to the new system by 1 January 2026, while its two largest fines of the year — €20 million and €15 million — went to major banks. Under MiCAR, DNB's national crypto registration regime ended in 2025 as CASP supervision passed to the AFM, with DNB retaining the prudential role for asset-referenced and e-money token issuers. Everything below is DNB's own data, from its FY2025 annual report.

Regulated sectors

7
BanksPayment institutionsE-money institutionsCrypto-asset service providersInsurance companiesPension fundsCredit institutions

Figures as published by De Nederlandsche Bank for FY2025. Source: DNB jaarverslag 2025 (Dutch — authoritative) (Presented to the General Meeting 23 March 2026). Data as of 31 December 2025. Supplementary: DNB Annual Report 2025 — full PDF (English translation).

Leadership

2
Olaf Sleijpen

Presidentsince 2025

Steven Maijoor

Executive Board member, Supervisionsince 2021

Full board

Organisation (FY2025)

Cost of core tasks — actual
€571.3mBudget €593.0m; whole institution — includes monetary/central-bank tasks alongside supervision
ZBO tasks (supervision · resolution · DGS)
€13.4m under budgetUnderrun on the ZBO cost framework in 2025
Annual result
−€967m loss2024: −€3,194m; driven by monetary operations (−€1,224m); no dividend
Dutch banks' CET1 ratio
17.8%Year-end 2025 sector figure (system indicator, not DNB resource)

Supervisory activity 2025

Enforcement measures at supervised institutions
3517 prudential · 18 integrity; 2024: 44. Formal 17 include 12 administrative fines, 3 orders subject to penalty, 1 instruction, 1 licence revoked
Largest fines
€20m · €15mBank — risk management and AML deficiencies (€20m); bank — bonus ban (€15m)
Actions against illegal providers
3 fines for unregistered crypto services · 1 order subject to penalty (trust services) · 1 fine on a director of an illegal trust office
Statistics-reporting enforcement
292 orders subject to penalty + 1 fine2024: 364 + 0. Scope: balance-of-payments statistics submissions — separate from supervisory enforcement
Whistleblowing Platform reports
51 received20 designated suspected wrongdoing; 10 led to supervisory action
Woo (open government) information requests
362024: 13

Notable 2025

Pension transition dominates 2025 agenda
30 of 138 pension funds converted to the new system by 1 January 2026 (over half of scheme members; one-third of assets). ~50 more expected in 2026; statutory completion 1 January 2028.
Payments licensing authority for the Netherlands
DNB licenses and supervises payment institutions and e-money institutions — a sector dense with EU fintechs.
MiCAR handoff
DNB's national crypto registration regime ended in 2025 as CASP supervision passed to the AFM; DNB retains the prudential role for asset-referenced token (ART) and e-money token (EMT) issuers.
New President
Olaf Sleijpen took office 1 July 2025 after Klaas Knot's 14 years; also becomes NGFS chair 1 July 2026.
DNB2030 efficiency programme
A 10% budget cut (~€60m in savings) targeted by 2030 with internal restructuring.

Key legislation

2
Bankwet 1998

Bank Act — statutory objectives: price stability (ESCB), financial stability

Wet op het financieel toezicht (Wft)

Financial Supervision Act — sound and ethical financial institutions

Registers, portals and publications

Public registers

DNB public registers

Recent publications

DNB jaarverslag 20252026-03-23
Data as of 31 December 2025 · Source: www.dnb.nl + ComplyBridge researchActivity Index methodology →