{
  "title": "Kingdom of the Netherlands—The Netherlands: Financial Sector Assessment Program—Technical Note on Banking Supervision",
  "publication": "IMF Staff Country Reports, June 18, 2024",
  "sourceUrl": "https://www.imf.org/en/publications/cr/issues/2024/06/17/kingdom-of-the-netherlands-the-netherlands-financial-sector-assessment-program-technical-550578",
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  "summary": "This paper presents a technical note on banking supervision in The Netherlands. Supervision of less significant institutions is effective in the Netherlands.",
  "sections": [
    {
      "heading": "Executive summary and main findings",
      "content": "- Supervision of less significant institutions is effective in the Netherlands.\n- The Financial Sector Assessment Program (FSAP) encourages De Nederlandsche Bank (DNB) to maintain its proactive and creative approach and proposes some extensions to solidify this practice.\n- DNB and the Autoriteit Financiële Markten should continue the rigorous practice in IO Mortgage supervision.\n- Supervision must reflect a changing market landscape and rapid deployment of new technologies."
    },
    {
      "heading": "Supervisory quality and priorities",
      "content": "- Continue proactive and creative supervisory approach at DNB; consider extensions to solidify practices.\n- Maintain rigorous IO Mortgage supervision jointly with the Autoriteit Financiële Markten.\n- Emphasize the quality of inputs for banks’ risk management:\n  - updated clients’ disposable incomes\n  - collaterals’ values\n- Motivate banks to improve:\n  - risk controls\n  - the data aggregation process"
    },
    {
      "heading": "Risks and evolving landscape",
      "content": "- Supervisory frameworks need to adapt to a changing market landscape.\n- Rapid deployment of new technologies requires supervisory reflection and possible adaptation of approaches and tools."
    },
    {
      "heading": "Policy recommendations (enumerated)",
      "content": "- DNB should maintain its proactive and creative supervisory stance and implement proposed extensions to strengthen that stance.\n- DNB and the Autoriteit Financiële Markten should sustain rigorous IO Mortgage supervision.\n- Place greater emphasis on the quality and timeliness of inputs used in banks’ risk management, specifically updated clients’ disposable incomes and collaterals’ values.\n- Encourage and motivate banks to:\n  - strengthen risk controls\n  - enhance data aggregation and data quality processes\n- Align supervision with technological developments and market changes to preserve effective oversight."
    },
    {
      "heading": "Key publication metadata and identifiers",
      "content": "- Date: June 18, 2024\n- Pages: 45\n- Volume: 2024\n- Issue: 168\n- DOI: https://doi.org/10.5089/9798400279362.002\n- ISBN: 9798400279362\n- ISSN: 1934-7685\n\nInternational Monetary Fund. \"Kingdom of the Netherlands-The Netherlands: Financial Sector Assessment Program- Technical Note on Banking Supervision\", IMF Staff Country Reports No. 2024/168, June 18, 2024.\n\n---\n\n Content in this bundle\n\n- Executive Summary\n  - Executive Summary (Markdown version){rel=\"alternate\" type=\"text/markdown\"}\n  - Executive Summary (PDF){rel=\"external\" type=\"application/pdf\"}"
    }
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    "Published: June 18, 2024",
    "Series: IMF Staff Country Reports",
    "DOI: https://doi.org/10.5089/9798400279362.002",
    "Supervision of less significant institutions is effective in the Netherlands.",
    "The Financial Sector Assessment Program (FSAP) encourages De Nederlandsche Bank (DNB) to maintain its proactive and creative approach and proposes some extensions to solidify this practice.",
    "DNB and the Autoriteit Financiële Markten should continue the rigorous practice in IO Mortgage supervision.",
    "Supervision must reflect a changing market landscape and rapid deployment of new technologies.",
    "Continue proactive and creative supervisory approach at DNB; consider extensions to solidify practices.",
    "Maintain rigorous IO Mortgage supervision jointly with the Autoriteit Financiële Markten.",
    "Emphasize the quality of inputs for banks’ risk management:",
    "Motivate banks to improve:",
    "Supervisory frameworks need to adapt to a changing market landscape.",
    "Rapid deployment of new technologies requires supervisory reflection and possible adaptation of approaches and tools.",
    "DNB should maintain its proactive and creative supervisory stance and implement proposed extensions to strengthen that stance.",
    "DNB and the Autoriteit Financiële Markten should sustain rigorous IO Mortgage supervision.",
    "Place greater emphasis on the quality and timeliness of inputs used in banks’ risk management, specifically updated clients’ disposable incomes and collaterals’ values.",
    "Encourage and motivate banks to:",
    "Align supervision with technological developments and market changes to preserve effective oversight.",
    "Date: June 18, 2024",
    "Pages: 45",
    "Volume: 2024",
    "Issue: 168",
    "DOI: https://doi.org/10.5089/9798400279362.002",
    "ISBN: 9798400279362",
    "ISSN: 1934-7685",
    "**Executive Summary**"
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