Key Facts

Purpose

Everything we do revolves around making social impact. Instead of maximising profits, our priority is to maximise the social impact of our activities.

BNG Bank – Driven by social impact

We aim to be a natural partner for our clients by helping them addressing the social challenges they have to cope with. We want to be successful at delivering and demonstrating our social impact.

Half of the bank's share capital is held by the Dutch State and the other half by municipalities, provinces and a district water board. Our clients are local authorities, housing associations and healthcare and educational institutions. 

We provide customised financial services, ranging from loans and advances, payment services and electronic banking. BNG Bank also participates in public-private partnerships. 

By far the greatest part of the bank's lending is free of credit risk because these loans are granted to or guaranteed by public authorities. BNG Bank's specialised financial services help to minimize the cost of social provisions to the public. In this regard, the bank plays an essential role in the public sector.

Asset quality

The financial relationship between the central and local government in the Netherlands is structured in such a way, that the credit quality of the local government is extremely high. Loans to housing associations and healthcare institutions are secured by guarantee funds that are ultimately backed by the Dutch government. As a result over 90% of all loans and advances are 0% risk weighted.

Ratings

Long term funding programme 2025