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Illustrated portrait of Netherlands; geographic and cultural interpretation, not regulator premises.
← The regulatory atlasCOUNTRY PERSPECTIVE / Netherlands

Twin peaks: prudential and conduct authorities

NetherlandsDNB / AFM

Insurance supervision in Netherlands.

AI-generated country illustrationSources checked

01 / The institution

De Nederlandsche Bank (DNB)

DNB handles prudential supervision and licensing of insurers; the AFM is responsible for conduct supervision. Both operate within the Wft framework.

How it is structured

Twin peaks: prudential and conduct authorities

Institutional source ↗

The legal foundations

Mandate, written into law.

Establishing legislation and the rules governing insurance may be different instruments.

02 / Market signals

The numbers, with context.

Figures retain the reporting period and accounting basis of their source. They are snapshots, not live indicators or directly comparable country rankings.

End-2025176%

Non-life solvency ratio

Sector solvency at the end of 2025.

Page 15 ↗
End-2025209%

Life solvency ratio

An increase of 22 percentage points during 2025.

Page 15 ↗

Insurance penetration. A current premium-to-GDP ratio has not been independently verified for this profile. No estimate is substituted.

03 / The report notebook

A dated view of the market.

What we noted in the regulator’s publications. Each entry separates the period covered, publication date when known, and our review date.

ReviewedNOTE 01

End-2025

DNB Financial Stability Report — Spring 2026 ↗

Insurance resilience and private-credit passages reviewed. Insurance solvency figures are kept separate from pension-fund funding ratios.

Private-credit exposure

EUR 16bn+

The largest insurers held more than EUR 16bn in private credit in 2025, approximately 8% of assets under management; DNB calls for better transparency and risk management.

DNB Financial Stability Report — Spring 2026Page 3, summary · Country illustration
Read the original publication ↗

04 / Official contacts

Reach the institution.

Public institutional channels, checked 17 September 2026.

General enquiries
info@dnb.nlSource ↗

Research trail

Sources you can follow.

Independent editorial research by Insurers Global. Source dates do not certify that a law includes every subsequent amendment.

  1. Legislation and regulations governing market access for insurers | De Nederlandsche Bank ↗Checked
  2. Official contact page ↗Checked
  3. Official institutional contact information ↗Checked
  4. DNB Financial Stability Report — Spring 2026 ↗Checked

Country scenes are AI-generated illustrations made with OpenAI image tools, not official regulator photographs or endorsements. Quotations remain searchable text. Report figures and directory verification are maintained separately.