Business Model

NIBC focuses on Corporate Banking and Consumer Banking activities. Indispensable to our entire business are Treasury, Risk Management and Corporate Center. This streamlined structure enables us to concentrate on what we are good at.

Our Client teams deliver a wide range of customised products and integrated solutions to clients in all our sectors. 

Advisory Board

To better serve our clients, we work with several Senior Board Advisors. They add value for NIBC's clients by bringing strategic insight and advising them on new opportunities and avenues for growth. In addition, the Advisory Board groups experts who are highly experienced in the business sectors and fields in which NIBC excels. The Advisory Board meets regularly to discuss strategy, trends and special issues for the benefit of NIBC and its clients. Click here to learn more about the Senior Board Advisors and the members of the Advisory Board and their background.

Corporate Banking

NIBC enables corporate clients, institutional investors, financial sponsors, and entrepreneurial investors to grow their businesses. NIBC advises, finances, and co-invests with clients. Our sector experts share ideas and market knowledge on specific sectors - including among others Food, Agri, Retail & Health, Technology, Media & Services and Industries & Manufacturing, Oil & Gas Services, Infrastructure & Renewables, Commercial Real Estate and Shipping & Intermodal - for the benefit of our clients.

Consumer Banking

Our Consumer Banking activities consist of residential mortgages through a number of distribution partners and our online retail savings programme, NIBC Direct in the Netherlands, Germany and Belgium. 


Treasury is responsible for the optimal way of funding the bank's assets and to manage its interest rate position. In addition, Treasury works with the bank's clients to find tailored solutions to manage their interest rate exposures. 

Risk Management and Corporate Center

Risk Management and Corporate Center are at the heart of our operations. We have sophisticated and integrated risk management systems to measure and manage financial risk on a bank-wide basis. Corporate Center provides essential support in areas such as finance & tax, legal & compliance, internal audit, IT & operations, human resources and corporate communications.