CONSUMER CLIENT? GO TO NIBC DIRECT MENU Home About NIBC MiFID II MiFID II The Markets in Financial Instruments Directive, MiFID has been applicable across the European Union since November 2007. It is a cornerstone of the EU's regulation of financial markets seeking to improve the competitiveness of EU financial markets by creating a single market for investment services and activities and to ensure a high degree of harmonised protection for investors in financial instruments. Following the financial crisis of 2008, the European legislators have adopted an amendment to MiFID I, including a revised Directive and a new Regulation, together referred to as MiFID II. MiFID II takes into account the evolution of financial markets and addresses the weakness revealed by the implementation of MiFID I. MiFID II further extends the requirements of MiFID I, with the aim of making financial markets more efficient, resilient as well as transparent and to enhance investor protection. MiFID II results in a large number of requirements, both for NIBC Group (hereafter “NIBC”) as well as for the external contacts of NIBC with its clients. What does it mean for NIBC clients? MiFID II affects the way that NIBC does business with its clients. Where MiFID I already required the categorisation of clients reflecting the various investor profiles; MiFID II has extended most of the investor protection requirements to apply to all categories of clients. MiFID II also requires NIBC to ensure that all information, including marketing communications provided to clients or potential clients – is fair, clear and not misleading and that marketing communications are clearly Identified as such, therefore ensuring better client protection. Please find in the "download" section of this page, NIBC’s main MiFID II related compliance documents and policies, including the MiFID II brochure which provides more detail on the various topics in which MiFID II impacts clients. Cost Disclosure MiFID II and the Delegated Regulation require NIBC Bank N.V. (NIBC) to provide appropriate information in good time to clients or potential clients with regard to all costs and related charges. The obligation applies “ex-ante” (pre-transaction) and “ex-post” (post-transaction, on at least an annual basis). Please note that NIBC has prepared an annual overview of the “ex-post” costs in relation to the transactions carried out by you in 2019. Should you wish to obtain a copy of said overview, please let us know by contacting your NIBC Relationship Manager or to send a request thereto to the following address: MiFIDII@nibc.com. Please also indicate the (email) address to which the overview should be sent. PLEASE CONTACT Support MiFID II +31 (0)70 342 5054 compliance.office@nibc.com DOWNLOADS MiFID II Brochure 435 kB NIBC Cost disclosure MiFID-II 208 kB Terms & Conditions for Investment Services 470 kB Client Categorisation Information 277 kB MiFID II Opt Up Request Letter Professional Clients 59 kB MiFID II Opt Up Request Letter Retail Clients 77 kB MiFID II Opt Down Request Letter ECP-Professional Clients 57 kB Best Execution Policy 648 kB Conflicts of Interest Summary 588 kB Complaints Procedure 134 kB Welcome to NIBC.com We, NIBC Bank N.V., use functional cookies to ensure that this website works properly. We’d also like to place optional analytical cookies on your device which enable us to collect information about the use of this website, so that we can offer you an optimised website experience. You can choose not to provide your consent for the use of analytical cookies. If you do consent, you can withdraw your consent at any time. You can find more information in our Cookie Policy and our Privacy Statement. REJECT ANALYTICAL COOKIES ACCEPT ANALYTICAL COOKIES Headquarters NIBC Bank N.V. Carnegieplein 4 2517 KJ Den Haag Nederland +31 (0)70 342 5425 info@nibc.com +31 (0)800 409 409 4 (Savings and Mortgages) info@nibcdirect.nl Quick links NIBC Direct NIBC Vastgoedhypotheek Disclaimer Cookie Policy Privacy Statement SFDR Modern Slavery Statement Social follow us on: