DEMIR - HALK BANK NEDERLAND

Demir-Halk Bank (Nederland) N.V. (trading as DHB Bank) is a Dutch-licensed credit institution established in 1992 and headquartered in Rotterdam, operating under the supervision of De Nederlandsche Bank (DNB) and the Netherlands Authority for the Financial Markets (AFM). The bank focuses on collecting retail funding through online savings accounts and fixed-term deposits and channels these funds primarily into wholesale activities such as corporate lending, trade-related finance, and placements with financial institutions. Retail offerings are limited to deposit products rather than full-service day-to-day banking; current accounts, cards, and mortgages for consumers are not core features. Account opening and servicing are conducted online with standard identity verification under Dutch anti-money laundering requirements, and funding typically occurs via a designated linked account; early withdrawal from term deposits is generally not permitted outside statutory or product-specific exceptions. Deposits are covered by the Dutch Deposit Guarantee Scheme up to €100,000 per person, per bank, subject to eligibility conditions set by the scheme. Interest rates on savings and term deposits are set by the bank and can change for variable products; fixed rates apply for the agreed term. Fees for maintaining savings and term deposit accounts are uncommon, but customers should review product terms for any applicable charges, notice conditions, or limitations. Financial statements, Pillar 3 disclosures, and key regulatory ratios are published annually in line with Dutch and EU prudential requirements, and product availability or onboarding eligibility may vary by residency and regulatory permissions.