Annual Reports

DHB Bank Annual Report 2022

Since its establishment, DHB Bank has experienced strong growth, reaching an asset size of EUR 1.7 billion. 

The  balance sheet of the bank also reflects the effects of restructuring strategies that were implemented over the past years in terms of geographical coverage – with focus on European Economic Area - and product base.
DHB Bank’s activities are anchored in traditional commercial banking, based primarily on retail funding (and wholesale funding to a certain extent) and mainly wholesale asset generation (again relatively small retail asset generation). DHB Bank’s business model and revenue stream fully rely on real banking transactions, and there is no reliance on any kind of speculative income. Therefore, the bank tries to minimize the market risk by avoiding FX position or interest rate position, and derivative transactions are mainly done for assets and liabilities hedging purposes.
DHB Bank’s retail operations consist of retail deposits and retail loans. Retail deposits are collected from Germany and the Netherlands via Internet and call centre channels. Retail deposits, which have already proved their stickiness in several globally or regionally stressed environments, constitute the main pillar of the bank’s funding and liabilities management. Retail loans occupy a relatively small portion of the assets.
On the assets side, wholesale banking is the foremost revenue generation source for DHB Bank. The bank’s wholesale asset generation activities are centralized at the head office in Rotterdam. Wholesale asset generation activities comprise primarily placements in the form of corporate loans, syndications, to an extent bilateral loan to banks, and securities investments.  Geographical diversity is an essential feature of DHB Bank’s activities on the asset side with exposures primarily in the European Economic Area (EEA).
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