DHB bank products, services and reviews

About DHB bank

DHB Bank N.V. (Demir-Halk Bank) is a Dutch bank established in 1992 and headquartered in Rotterdam, active mainly in the Netherlands, Belgium and Germany. Its business model centers on retail savings and term deposits distributed primarily online, alongside a corporate portfolio focused on trade-related and other short- to medium-term lending. The bank holds a Dutch banking license and is supervised by De Nederlandsche Bank and the Netherlands Authority for the Financial Markets within the EU supervisory framework; eligible retail deposits are covered by the Dutch Deposit Guarantee Scheme up to €100,000 per person per bank, subject to statutory conditions. Funding is primarily sourced from customer deposits, supplemented by interbank or other wholesale channels, and is deployed into corporate loans, placements with financial institutions and a portfolio of liquid fixed income securities for liquidity and interest-rate risk management. DHB Bank reports under IFRS and publishes audited annual financial statements and Pillar 3 disclosures with capital, leverage and liquidity metrics in line with CRR/CRD requirements. Risk considerations include credit concentration by sector and geography, interest-rate and liquidity risk linked to term deposit funding and securities holdings, and operational and compliance risks inherent to cross-border operations. Account opening follows KYC/AML checks and is generally limited to residents in the markets where the bank offers products; fixed-term deposits typically cannot be withdrawn before maturity except under specified conditions. Prospective customers and counterparties should review current rate sheets, terms and conditions, and recent public reports for up-to-date pricing, coverage under the guarantee scheme and the bank’s financial position.