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DSB Bank
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・ DSB Class MY 1201-1202
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DSB Bank : ウィキペディア英語版
DSB Bank

DSB Bank (''DSB: Dirk Scheringa Beheer'') was a Dutch bank and insurer that failed in 2009. The company was founded in 1975 by Dirk Scheringa, the sole shareholder. It was originally called ''Buro Frisia'', but in 1998 the DSB Groep ((英語: DSB Group)) was founded which included Buro Frisia. The bank made the news several times, due to, among numerous things, overpriced mortgages and deferred annuities. On 19 October 2009, the Amsterdam court declared DSB Bank to be in bankruptcy.〔(Faillissement DSB uitgesproken (in Dutch) )〕
==History==
Dirk Scheringa, a former police officer, founded DSB BANK as Buro Frisia in 1975. In 1977 the company had capital worth € 25 million and a balance of € 300 million, due to stable growth and acquisitions. During the end of the 90s, Scheringa wanted to take his company to the market, the company was estimated to be worth 400 million at the time. However, right before the IPO, Scheringa decided not to through with it, since he supposedly did not agree with the introduction price.
He thus remained sole shareholder and found new ways to attract capital. He did so by creating subordinated debt to add to his capital. Such a debt is a loan which ranks after other debts should a company fall into liquidation or bankruptcy. Such debt is referred to as subordinate, because the debt providers (the lenders) have subordinate status in relationship to the normal debt. DSB bank went through some structural changes and changed its name to DSB Bank NV in 2006. Unlike most other banks, DSB bank’s main source of profit was provision revenues from premiums and term life insurance, which were sold simultaneously with the loans. This form of combined sale is prohibited in the Netherlands, but no action was taken until 200912.
〔12. http://www.rtl.nl/components/actueel/rtlnieuws/2009/10_oktober/01/verrijkingsonderdelen/1001_1700_geschiedenis_dsb_bank.xml〕

抄文引用元・出典: フリー百科事典『 ウィキペディア(Wikipedia)
ウィキペディアで「DSB Bank」の詳細全文を読む



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