Bank of and for the public sector

Nederlandse Waterschapsbank N.V. (NWB Bank) is a leading financial services provider for the public sector. The bank arranges short-term and long-term loans for municipal authorities, provinces, public housing, healthcare, educational institutions, Public-Private-Projects ("PPP") and activities in the field of water and the environment.

NWB Bank funds its activities on the international money and capital markets on the back of a very strong financial position and ratings from Moody’s (Aaa) and Standard & Poor’s (Aa+). Since the bank was founded in 1954, its shares have been held by public authorities.

The bank’s objective is to provide the required funding subject to the most favourable terms and tailored specifically to the individual customer. Social relevance, high quality and a strong financial position and integrity are the cornerstones of the bank’s policy.

Annual Report 2012

The Annual Report of 2012 is available through the special website.


In our Annual report we presented a few interesting interviews in which the past, present and future of Dutch social housing is discussed. Did the system fail and should we do things differently? The interviews present various views from different angles.


Besides a strong financial position and efficient business operations, we attach great value to social responsibility. NWB Bank seeks to contribute to a stable and robust financial sector that, in turn, contributes to an economy that serves mankind while harming the environment to the least possible extent.

Read more