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Debt investors

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.

Our December 2024 loan-to-deposit ratio amounted to 73,1% (2023: 72,9%). Although our loan-to-deposit ratio is well below 100%, we aim to keep a degree of diversification in our funding mix in terms of funding type and maturity, by supplementing the client deposit base with covered bonds.

Funding mix Van Lanschot Kempen at 31 december 2024

Issuance programmes

Van Lanschot Kempen maintains three public issuance programmes:

€ 5,000,000,000 Soft Bullet Covered Bond Programme (SBCBP)
€ 5,000,000,000 Debt Issuance Programme (DIP)
€ 2,000,000,000 Structured Notes Issuance Programme (SNIP)

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