DHB Bank N.V. is a Dutch
commercial bank
A commercial bank is a financial institution that accepts deposits from the public and gives loans for the purposes of consumption and investment to make a profit.
It can also refer to a bank or a division of a larger bank that deals with whol ...
headquartered in
Rotterdam
Rotterdam ( , ; ; ) is the second-largest List of cities in the Netherlands by province, city in the Netherlands after the national capital of Amsterdam. It is in the Provinces of the Netherlands, province of South Holland, part of the North S ...
. The bank is jointly owned by Turkish
Halkbank
Halkbank () is a Turkish bank, first incorporated in 1933 as a Public bank, state-owned bank. After growing throughout much of the twentieth century, it began absorbing smaller-sized state banks around the turn of the millennium. Halkbank is now ...
and HCBG Holding BV. The bank conducts its activities through locations in the
Netherlands
, Terminology of the Low Countries, informally Holland, is a country in Northwestern Europe, with Caribbean Netherlands, overseas territories in the Caribbean. It is the largest of the four constituent countries of the Kingdom of the Nether ...
,
Belgium
Belgium, officially the Kingdom of Belgium, is a country in Northwestern Europe. Situated in a coastal lowland region known as the Low Countries, it is bordered by the Netherlands to the north, Germany to the east, Luxembourg to the southeas ...
,
Germany
Germany, officially the Federal Republic of Germany, is a country in Central Europe. It lies between the Baltic Sea and the North Sea to the north and the Alps to the south. Its sixteen States of Germany, constituent states have a total popu ...
and
Turkey
Turkey, officially the Republic of Türkiye, is a country mainly located in Anatolia in West Asia, with a relatively small part called East Thrace in Southeast Europe. It borders the Black Sea to the north; Georgia (country), Georgia, Armen ...
.
History
DHB Bank was established as a commercial bank under Dutch law on 30 December 1992.
Starting its operations with NLG 17.8 million equity (EUR equivalent 8.1 million) and
NLG 18.2 million asset size (EUR equivalent 8.3 million), the bank grew to a become a fully fledged commercial bank with an equity of EUR 241.8 million and asset size of 1,826.9 million at the end of 2017. With its head office in Rotterdam, the Netherlands, DHB Bank has a main branch in
Düsseldorf
Düsseldorf is the capital city of North Rhine-Westphalia, the most populous state of Germany. It is the second-largest city in the state after Cologne and the List of cities in Germany with more than 100,000 inhabitants, seventh-largest city ...
, a main branch in
Brussels
Brussels, officially the Brussels-Capital Region, (All text and all but one graphic show the English name as Brussels-Capital Region.) is a Communities, regions and language areas of Belgium#Regions, region of Belgium comprising #Municipalit ...
(and 3 sub-branches in Liege, Antwerp and Charleroi) and a representative office in Istanbul.
On 1 August 2003 the bank acquired Disbank's Dutch subsidiary ''Dısbank Nederland''. In the second half of 2008, DHB Bank acquired a 66.65% stake in ''Export & Credit Bank Inc'', Skopje (EC Bank), which was sold to Turkey Halkbank in the second quarter of 2011.
Activities
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. The bank conducts its activities through the executional authorities and responsibilities of the Managing Board (MB), under the supervision of the Supervisory Board (SB), and cascades these down throughout the organization founded on different building blocks (i.e. departments and functions).
DHB Bank's retail operations consist of retail deposits and consumer loans. Retail deposits are collected from Germany and the Netherlands via Internet and call centre channels.
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. Geographical diversity is an essential feature of DHB Bank's activities on the asset side with exposures primarily in the European Economic Area (EEA).
External links
Official Website
References
{{List of banks in Europe
Banks of the Netherlands