Van Lanschot Kempen aims for a solid capital position and a balanced funding mix with sufficient diversification (both retail and wholesale), products and maturities. Being a wealth manager savings and deposits account for a relatively large proportion of Van Lanschot Kempens’s funding mix. In addition, Van Lanschot Kempen is a regular issuer of secured and unsecured bonds in the wholesale market.
We aim to retain access to both retail and wholesale markets through diversified funding. At the end of H1 2023, our loant-to-deposit ratio had increased by 9.2 percentage points to 82.8% (year-end 2022: 73.6%).
Issuance programmes
Van Lanschot Kempen maintains three public issuance programmes: