We want to tell you the story of de Volksbank. We want to tell you more about our origins, about who we are and about our vision on banking. We will also tell you what we want to accomplish for our customers, society, our employees and our shareholders. In good times and in bad times, today and in the future.
We are the driving force behind ASN Bank, BLG Wonen, RegioBank and SNS. Together, we are the fourth-largest bank in the Netherlands. Having 3.2 million customers and nearly 3,000 employees, we provide mortgages (€ 47.8 billion in 2018), manage savings (€ 37 billion) and offer 1.5 million customers a current account. We also offer a limited range of insurance and investment products and loans. Having a Common Equity Tier 1 capital ratio of 35.5% and a leverage ratio of 5.5%, we are a robust and stable bank.
Being a bank that adapts to its customers’ needs rather than the other way around. That listens and that is there for people. For better or for worse. That is our mission: banking with a human touch. That is what society demands of us. That is also why customers choose our brands. What our employees are committed to every day. And what our shareholder(s) have confidence in and want to achieve.
We like to keep it simple. At de Volksbank, we are averse to complicated banking constructions. ASN Bank, BLG Wonen, RegioBank and SNS are joining forces wherever possible. This too, is social banking: efficiency that benefits everyone, ultimately benefitting society. That is today’s gain. And tomorrow’s value. That's what drives us. That is what we believe in. Especially as a bank.
We have defined our mission in a manifesto. It can be considered the moral compass for our day-to-day activities.
We carry out our banking services according to the principle of shared value. This means that our stakeholders – all four of them - must experience equal added value: customer, society, employee and shareholder. And that none of them shall maximise their interests at the expense of the others. Our objectives are not just good intentions, but are specific and measurable goals for which we can be held accountable.
What we offer must economically benefit our customers. Our employees must be able to take charge of their personal development and experience genuine attention. For society, we strive for financial resilience and sustainability. The shareholder receives a good return from an efficient company, which has no bonus scheme.
"The chance to give genuine attention. The opportunity to listen to customers. The ability to use your expertise and skills to enrich the lives of others. The opportunity to be there when you need to be there." That is how our employees describe what motivates them to work at de Volksbank or one of our brands.
No typical banking mentality for us, but the will and conviction that banking is a people's business. By people, for people.
De Volksbank is the driving force behind ASN Bank, BLG Wonen, RegioBank and SNS. Anyone who wants to bank with a bank that does things differently and where money matters are first and foremost people matters, can join one of our four financial service providers. Each with its own profile and character.
Taking society into consideration
There is a collective awareness that something needs to change fundamentally in our society. And we are the last generation who can do so in a responsible and sensible way. We want to lead the way; starting with self-reflection. For in the end, it’s not just about what we earn today. It's also about us and our children deserving a future.
That's why we carry out our banking services a step, a year, a generation ahead. And why we all work on innovative and structural solutions that benefit society.
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