Banking Regulation 2025

NETHERLANDS

Amsterdam

Netherlands Germany

Law and Practice Contributed by: Johannes de Jong and Juliet de Graaf Osborne Clarke N.V.

Belgium

Contents 1. Legal Framework p.400 1.1 Key Laws and Regulations p.400 2. Authorisation p.401 2.1 Licences and Application Process p.401 3. Changes in Control p.403 3.1 Requirements for Acquiring or Increasing Control Over a Bank p.403 4. Governance p.404 4.1 Corporate Governance Requirements p.404 4.2 Registration and Oversight of Senior Management p.405 4.3 Remuneration Requirements p.406 5. AML/KYC p.407 5.1 AML and CFT Requirements p.407 6. Depositor Protection p.408 6.1 Deposit Guarantee Scheme (DGS) p.408 7. Prudential Regime p.410 7.1 Capital, Liquidity and Related Risk Control Requirements p.410 8. Insolvency, Recovery and Resolution p.412 8.1 Legal and Regulatory Framework p.412 9. ESG p.414 9.1 ESG Requirements p.414 10. DORA p.416

10.1 DORA Requirements p.416 11. Horizon Scanning p.417 11.1 Regulatory Developments p.417

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