De Nederlandsche Bank (DNB)

Which institutions does DNB supervise, and how many?

DNB's population is defined by licence, not by sector label. Its 2024 accountability report gives the clearest published breakdown of where supervisory capacity actually goes: 199.5 FTE on significant banks, 111.7 FTE on less significant banks, 141.6 FTE on insurers, 140.7 FTE on pension funds, 50.0 FTE on payment institutions, 36.3 FTE on investment firms and 26.4 FTE on trust offices (ZBO accountability report 2024, figures as at year-end 2024). The same report counts 375 investment firms and holdings under DNB prudential supervision and roughly 80 active payment and electronic money institutions.

For pension funds, DNB's Annual Report 2025 (presented 23 March 2026) counts 138 funds, of which 30 had converted to the new pension system by January 2026. That is over half of all scheme members, but only about a third of pension assets.

DNB's public registers are the authoritative live source, and each states that it is refreshed every business day at 06:00:

• Banks
• Insurers
• Payment service providers
• Electronic money institutions
• Pension funds
• Trust offices

What does DNB publish, and how often?

DNB publishes through Open Book on Supervision, a per-sector and per-theme library of guidance, Good Practices, Q&As and consultations rather than a news stream. Recurring publications include the Financial Stability Report (twice a year), the supervisory outlook Toezicht in Beeld (annually, in February), the Annual Report (March), the ZBO accountability report, and economic projections (spring and autumn). Enforcement measures are published individually, by year. Sector newsletters run per population: the pension transition newsletter is quarterly. Statistics are available through dashboards, an advance release calendar and an API. There is no single site-wide RSS feed; feeds exist per reporting service.

What does DNB's enforcement look like?

Six published measures in the twelve months to 17 August 2026, of which five were fines totalling roughly €14.17 million, and one an order subject to penalty. The largest was €8.5 million against ABN AMRO on 9 July 2026 for inadequate customer due diligence on high-risk customers, reduced by 15% from €10 million under DNB's simplified settlement route. Two fines went to CCV entities in the same month: €2.65 million for customer due diligence and €406,125 for the absence of a systematic integrity risk analysis (SIRA). That SIRA case ran six years, from €625,000 in 2020 down to €406,125, upheld on appeal on 28 January 2026. Measures are published at dnb.nl.

The pattern is worth reading precisely: four of the six measures concern integrity and anti-money-laundering obligations rather than capital. Two concern basic administrative failures: a capital shortfall and a late filing.

What changes for a mid-sized institution?

Size determines who supervises you and how much of the rulebook applies. Banks above the SSM significance thresholds are supervised directly by the ECB; the rest are supervised directly by DNB under ECB oversight, and DNB applies proportionality explicitly to recovery plans for small and medium-sized banks (DNB factsheet). Payment service providers stay outside the licensing requirement altogether while their average aggregate monthly payment volume over the past twelve months does not exceed €3 million (DNB exemption page).