DOCSLIB.ORG

Harmonising and Implementing a Carbon Accounting Approach for the Financial Sector

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text
Harmonising and Implementing a Carbon Accounting Approach for the Financial Sector Harmonising and implementing a carbon accounting approach for the financial sector Platform Carbon Accounting Financials (PCAF) report 2018 Harmonising and implementing a carbon accounting approach for the financial sector The Platform Carbon Accounting Financials, or PCAF, was created by a group of Dutch financial institutions which have joined forces to improve carbon accounting in the financial sector and to create a harmonised carbon accounting approach. At COP21 in Paris, these members co-authored the Dutch Carbon Pledge, urging global leaders to take effective measures to keep global warming within safe levels. The group shares its findings with other interested parties to encourage others to adopt carbon accounting as a positive step towards a low carbon economy. Today, PCAF consists of the following members: ABN AMRO Achmea Investment ACTIAM ROBECO Management ASN Bank1 FMO MN Rabobank Van Lanschot Kempen a.s.r. Triodos Bank de Volksbank Stichting Pensioenfonds Stichting Pensioenfonds van Metaal en Techniek (PMT) de Metalektro (PME) Please cite as: PCAF, Harmonising and implementing a carbon accounting approach for the financial sector, November 2018 This report was commissioned by PCAF and compiled, edited and reviewed by Navigant Main authors at Navigant: Giel Linthorst and Mark Schenkel November 2018, The Netherlands 1 ASN Bank is part of de Volksbank N.V. 2 Harmonising and implementing a carbon accounting approach for the financial sector Table of content Executive summary7 1. Introduction 8 11 Foreword ........................................................................................................................................................................................................................................8 12 PCAF Governance......................................................................................................................................................................................................................9 13 Purpose, scope and structure of this document 9 2. The PCAF journey: viewpoints on carbon footprinting for financials 10 21 The role for sustainable finance in the transition to a carbon neutral economy 10 22 Our journey from footprinting investments to reducing financed emissions 10 23 Carbon disclosure for financials: ahead of EU legislation? 11 24 Carbon disclosure for financials: an international perspective 11 3. Technical report 15 31 State of implementation: refinement and lessons learned 15 32 Business goals............................................................................................................................................................................................................................17 33 Principles of carbon accounting for financials 18 34 Asset class methodologies 21 341 Sovereign bonds .....................................................................................................................................................................................................22 342 Listed equity .............................................................................................................................................................................................................27 343 Project finance ........................................................................................................................................................................................................32 344 Mortgages .................................................................................................................................................................................................................36 345 Commercial real estate 42 346 Corporate debt .......................................................................................................................................................................................................45 347 Corporate/ SME Loans 48 348 Indirect investments 54 4. Next steps 58 41 Continuation of implementing carbon accounting and sharing best practices 58 42 Avoided emissions...................................................................................................................................................................................................................58 43 Target setting.............................................................................................................................................................................................................................58 44 Steering towards low-carbon portfolio 58 5. Glossary 59 Appendix A: Dutch Carbon Pledge 60 Appendix B: Accounting principles 61 Existing accounting principles 61 Organisational boundaries and consolidation approach 61 3 Harmonising and implementing a carbon accounting approach for the financial sector The latest IPCC report is a stark reminder of the role we all The earth’s ecosystem is on the brink of catastrophe and we have to play in the rapid transition of the global economy in need to radically alter the way we consume, produce, grow, order to keep global warming to 15 degrees Financial insti- generate energy and conserve our resources Because cli- tutions play an instrumental role in achieving this global mate change affects all but developing countries most, FMO warming goal, since they control the capital needed for this set itself the ambition of aligning our total portfolio with a transition Defining effective metrics and target setting ap- 15°C emissions pathway To that end, we developed a meth- proaches for financial institutions is a critical step The Sci- odology to establish a 15°C emissions reduction pathway, as ence Based Targets Initiative is working towards a platform well as a GHG accounting approach for absolute emissions for financial sector targets aligned with the Paris Agree- Common measurement standards like PCAF and globally ac- ment’s goals, and collaborations such as PCAF are an import- cepted reporting rules and definitions are essential in the ant way for institutions to get started fight against climate change They allow us to work together - Chris Weber, Global Climate & Energy Lead Scientist WWF to bring the world to a solution on this topic - Pieter van Mierlo, CEO FMO The proverb ‘measuring is knowing’ applies to the financial sector too And this can be fairly simple One who sets goals, The transition to a low carbon society matters now more than needs to know where one actually stands today An adequate ever Like governments, business and civil society, the finan- plan-do-check-act-cycle is of crucial importance for the suc- cial industry needs to take responsibility for what its deci- cess of climate action sions mean for the climate we depend on Every financial de- During the past decades organisations became more trans- cision we make has impact There are no neutral investments parent about a variety of non-financial information, including We have to act to avoid and reduce greenhouse gas emis- carbon emission disclosure Only reliable information is rele- sions vant information From that perspective, many organisations To do this, we need to understand the carbon footprint of our ask their auditors to add assurance to the sustainability and/ loans and investments so we can monitor portfolios over time or integrated reports Auditors are independent experts in and steer on the basis of credible data The PCAF initiative verification and familiar with the organisation’s internal con- helps to do just that It provides an effective approach to as- trol and information systems Therefore it is obvious to start sessing the carbon footprint of loans and investments that’s including carbon emission disclosure in the mandatory annual built from an open, collaborative partnership We believe reporting cycle, making this information publicly available and PCAF can play an important role helping to change finance It subject to verification of external auditors can help shift the industry so it’s fit for a positive, low carbon If this process is implemented well, governments will be able future We’re delighted to be a part of it to collect tangible and reliable information on emissions - - Jellie Banga, COO, Triodos Bank providing insight in the emission profiles of sectors, indus- tries as well as tracking progress towards climate goals This, The strength of PCAF lies in the number of parties that have then, will provide useful input for governments for further cli- committed and the fact that they use scientific methods to mate policy refinement provide insight into the climate impact of their financing and - Dick de Waard, professor Auditing, University of Groningen and investments Insights are needed to take the necessary steps professor Sustainability at University of Curaçao to action The financial sector is capable of making a big dif- ference and thus contribute greatly to the Dutch climate For us, as an asset manager, we see great added value for our goals At ASN Bank we’ve discovered that big and ambitious clients from the harmonized methodology proposed by PCAF goals are achievable Every person and organization can make It serves as an important next step for Robeco to operational- a difference Combined these actions will make a difference ize the TCFD recommendations and enhance our and our cli- We owe it to future generations to take action, so let’s get ents’ awareness of our investments’ resilience to climate started change-related risks - Arie Koornneef,
Load more

Recommended publications
  • De Volksbank N.V. Annual Report 2020
    2020 Annual Report REPORT OF THE BOARD GOVERNANCE RISK FINANCIAL STATEMENTS OTHER INFORMATION ADDITIONAL 2 de Volksbank N.V. Annual Report 2020 BETTER FOR EACH OTHER 4 OTHER INFORMATION 192 Key figures 6 Provisions regarding profit or loss appropriation 192 Foreword of the CEO 8 Independent auditor's report 194 1 STRATEGY AND PROGRESS 10 ADDITIONAL INFORMATION 204 1.1 Economic developments 11 Definitions and abbreviations 204 1.2 Our Strategy 13 Disclaimer 210 1.3 Developments in our shared value ambition 15 1.4 Options for the future 18 1.5 Commercial developments 19 1.6 Financial results 20 1.7 Compliance and de Volksbank 24 1.8 Responsible tax policy 26 2 GOVERNANCE 28 2.1 Supervisory Board and Board of Directors 29 2.2 Report of the Supervisory Board 33 2.3 Banking Code 37 2.4 Dutch Corporate Governance Code 37 2.5 Legal structure of de Volksbank 38 2.6 Remuneration Report 38 3 RISK MANAGEMENT 44 3.1 Risk management structure 45 3.2 Strategic risks 52 3.3 Credit risk 54 3.4 Market risk 86 3.5 Non-financial risks 90 3.6 Liquidity management and funding strategy 94 3.7 Credit ratings 103 3.8 Capital management 104 3.9 Sustainability risk 115 3.10 Management statement 123 FINANCIAL STATEMENTS 126 Consolidated financial statements 128 Notes to the consolidated financial statements 132 Company financial statements 178 Notes to the company financial statements 181 REPORT OF THE BOARD GOVERNANCE RISK FINANCIAL STATEMENTS OTHER INFORMATION ADDITIONAL de Volksbank N.V. Annual Report 2020 3 Presentation of information This 2020 Annual Report consists of: • The Report of the Board of Directors, comprising: This is our 2020 Annual Report.
    [Show full text]
  • Annual Report SNS Bank NV 2015
    Banking with a human The original financial statements were drafted in Dutch. This document is an English translation of the original. In the touch case of any discrepancies between the English and the Dutch text, the latter will prevail. Annual report 2015 2 SNS Bank NV Annual report 2015 > 86 168 192 268 30 286 1 SNS BANK AT A GLANCE 8 5 SNS BANK PERFORMANCE 50 1.1 Mission and vision 9 5.1 Financial and commercial developments 51 1.2 Strategy 9 5.2 Our strategic themes 58 1.3 History 10 5.3 Brand performance 67 1.4 Value creation 11 5.4 Our People 76 5.5 The importance of information technology 81 5.6 Tax policy 83 2 FOREWORD 14 3 REPORT OF THE 20 6 RISK, CAPITAL & LIQUIDITY 88 SUPERVISORY BOARD MANAGEMENT 6.1 Summary 90 4 SNS BANK AND ITS STRATEGY 32 6.2 Risk management organisation 91 6.3 Risk profile and risk appetite 96 4.1 Developments 33 6.4 Capital management 104 4.2 Developments in the regulatory environment 39 6.5 Credit risk 116 4.3 Stakeholder engagement 42 6.6 Market risk 143 4.4 SWOT Analysis 45 6.7 Liquidity management and funding 149 4.5 Mission and strategy 46 6.8 Credit ratings 159 6.9 Key non-financial risks 161 SNS Bank NV Annual report 2015 > Table of contents 3 86 168 192 268 30 286 7 CORPORATE GOVERNANCE 170 Independent auditor's report 272 Independent Auditor's Assurance Report 282 7.1 Composition, appointment and duties of the 171 Board of Directors 7.2 Composition, appointment and duties of the 173 Supervisory Board ADDITIONAL INFORMATION 286 7.3 Bank and society 175 Composition of the Board of Directors 288
    [Show full text]
  • Framework February 2021 Table of Contents
    Green Bond Framework February 2021 Table of contents 1. Introduction ������������������������������������������������������������������������������������ 3 1.1 Sustainable Milestones ASN Bank & de Volksbank ���������������������������� 5 2. A future based on sustainability ������������������������������������ 6 2.1 Climate �������������������������������������������������������������������������������������������������� 7 2.2 Human Rights ������������������������������������������������������������������������������������� 12 2.3 Biodiversity ������������������������������������������������������������������������������������������ 13 2.4 Alignment with United Nations’ Sustainable Development Goals (UN SDGs) and the EU Environmental Objectives ������������������������ 15 3. Green Bond Framework ���������������������������������������������������� 17 3.1 de Volksbank Green Bond Framework ��������������������������������������������� 18 3.2 Use of Proceeds ��������������������������������������������������������������������������������� 18 3.3 Process for Project Evaluation and Selection ����������������������������������� 19 3.4 Management of Proceeds ������������������������������������������������������������������ 21 3.5 Reporting �������������������������������������������������������������������������������������������� 21 3.6 External review ����������������������������������������������������������������������������������� 22 Green Bond Framework 2 Focus on Dutch retail customers 3 core services: Mortgages Four distinctive Profile
    [Show full text]
  • ING Group Sustainability Report 2013
    ING Group Sustainability Report 2013 Simpler, stronger, sustainable 1 Contents Contents in this report ABOUT THis REPORT 2 6 Improving environmental performance 60 I Our approach to sustainability reporting 3 6.1 Improving environmental performance: at a glance 61 II Performance data 4 6.2 Driving efficiency 62 III Q&A CEO 5 6.3 Sustainable procurement 64 IV Q&A Global Head of Sustainability 7 6.4 Monitoring and reporting environmental performance 66 OVERVIEW 8 6.5 Progress report 70 1.1 Company overview 9 7 Engaging our employees 71 2 Our strategic approach to sustainability 11 7.1 Engaging our employees: at a glance 72 2.1 Sustainability at ING 12 7.2 Being a responsible employer 73 2.2 What matters most to us: materiality 14 7.3 Building a professional and accountable culture 75 2.3 Stakeholder engagement 17 7.4 Promoting an inclusive and balanced culture 77 2.4 Our sustainability roadmap 22 7.5 Measuring our performance as an employer 79 DELIVERING ON OUR COMMITMENTS 23 7.6 Progress report 80 3 Our sustainability performance 24 8 Creating positive change in communities 84 3.1 Progress report 25 8.1 Creating positive change in communities: at a glance 86 3.2 External review of ING’s sustainability performance 27 8.2 Educating children 87 4 Enhancing customer centricity 28 8.3 Promoting financial empowerment 4.1 Enhancing customer centricity: at a glance 29 and entrepreneurship 89 4.2 Putting customers’ interest first 30 8.4 Support for local themes 91 4.3 Helping customers manage their financial future 32 8.5 Progress report 93 4.4
    [Show full text]
  • Climate Statement Banks Update 2019
    ABN AMRO, BNG Bank, ING, NIBC, NWB Triodos Bank are energy positive and both Climate Statement Banks In addition to the earlier Standard Contract Mission 2030, the bank aims for an average Bank, Rabobank, Triodos Bank and de designs received the highest sustainability Solar Panels, the NVB will soon publish energy label A for real estate. Triodos Bank Volksbank are climate neutral in their business certification: BREEAM Outstanding. When the Update 2019 two other versions for lease arrangements provides mortgage loans to the residents operations. ABN AMRO aims to have all of its NIBC head office was renovated, the building and for companies on leasehold land of Schoon schip - the most sustainable own buildings meet the Paris Proof norm (a went from energy label G to A. BNG Bank subject to ground rent. This will simplify residential district in Europe. De Volksbank maximum energy consumption of 50 kWh per significantly reduced its own CO2 footprint in We, the banks in the Netherlands, united in the Dutch the financing of solar panels on the roofs of brands formulated a common vision on m²) by 2030. The new head offices of ING and 2018 by 12%. Banking Association (NVB): commercial property. ABN AMRO introduced sustainable housing, as a contribution to the Sustainable Home Mortgage. In its green living in the Netherlands. are transparent regarding the climate impact of our business operations and are working on constantly improving energy ASN Bank and ASN Investment Funds are in the Dutch province of Zeeland, which efficiency 118% climate neutral. In addition, ASN will provide energy to 825,000 households ABN AMRO, Rabobank and de Volksbank level in setting up energy cooperatives for Bank is probably the first bank in the world in 2021.
    [Show full text]
  • Climate Statement Banks Update 2017
    Climate Statement Banks Update 2017 Before the Climate Summit in Paris in 2015, the Climate Statement Banks was signed on 5 November 2015 by the Dutch Banking Association and various banks. Dutch banks take climate change seriously and are taking further steps together. The climate issue demands an effort from everyone. Therefore, the banks call on the Dutch government and other stakeholders to continue to work on solutions together. This document contains an update of the latest initiatives of the banks in 2017. We, the banks in the Netherlands, united in the Dutch Banking Association (NVB): 1 are transparent ABN AMRO opened its circular pavilion Circl on the Zuidas business regarding the climate district in Amsterdam in 2017 and will bring all its own and leased offices impact of our business to energy label A in 2023. operations and we are ING, de Volksbank, Rabobank, Van Lanschot, Triodos Bank and NIBC are working on constantly climate neutral in their business operations. improving energy efficiency 2 weigh sustainability, ABN AMRO has tightened its policy for the financing of electricity climate impact and companies, whereby the bank intends to phase out coal from its lending environmental damage portfolio according to the '450 scenario’ of the International Energy in our financing and Agency (IEA). investment decisions and Rabobank participates in the TCFD pilot project and TCFD Working Group we are working towards (Task Force on Climate-related Financial Disclosures). transparency about the ING reported the amount of coal in its portfolio for the first time in its (positive and negative) annual report 2016.
    [Show full text]
  • Building Highways to SDG Investing Report
    Building Highways to SDG Invesing Invitation to collaborate on a Dutch susainable development invesing agenda December, 2016 ABBREVIATIONS “We invite the Dutch government and DNB to 2015 Agreements The 2030 Agenda for Susainable Development, the Addis Ababa Acion Agenda and the Paris Agreement on Climate Change collaborate with the undersigned to continue 2030 Agenda The 2030 Agenda for Susainable Development by the United Nations to take acion in support of the 2030 Agenda ACM Authority Consumer and Market AFM Autoriteit Financiële Markten DNB De Nederlandsche Bank / Dutch Central Bank for Susainable Development.” ECI Export Credit Insurance EMIR European Market Infrasrucure Regulation ESG Environmental, Social, Governance FIN Financial secor FTK Financieel Toetsingskader SDGI Signatories GIIN Global Impac Invesing Network GOV Government HLPF High-Level Political Forum I&M Infrasrucure and Environment OECD Organization for Economic Cooperation and Development REG Regulator SDG(s) Susainable Development Goal(s) / Global Goal(s) for Susainable Development SDGI initiative Susainable Development Goals Invesing Initiative SME Small-Medium Sized Enterprises TOSSD Total Ofcial Support for Susainable Development WG Working Group DISCLAIMER All information provided in this document is for information purposes only and is not, and does not consitute or intend to consitute, invesment advice or any invesment service as referred to in the Ac on Financial Supervision. 3 In 2015, world leaders from all secors signed of on three major susainability mandates - the 2030 Susainable Development Agenda, the Addis Ababa Acion Agenda, and the Paris Agreement on Climate Change. The 2015 Agreements provide a comprehensive, global srategy towards a fair, sable and susainable society. 4 5 INVITATION INVITATION Our Invitation Our world is in flux.
    [Show full text]
  • Banks' Climate Commitment 2020
    Banks’ climate commitment 2020 Insight into measurement methods and climate actions of the banking sector The Dutch financial sector (banks, pension funds, insurers and asset managers) contributes extensively to the government’s climate objectives. These climate objectives were drawn up to reduce greenhouse gas emission by 49% in 2030 compared to 1990 in a cost-effective way. More than 50 financial institutions have committed themselves to report on the climate impact of their relevant financing and investments activities from the 2020 financial year onwards. Moreover, financial institutions will announce their action plans and reduction targets that contribute to the Paris Agreement by no later than 2022. Banks have taken up the challenge energetically, both individually and as a sector. This overview presents examples of joint initiatives from the banking sector. The overview also provides examples of how different banks are already utilising measurement methods. As recently demonstrated, more than half of the financial institutions that signed the Climate Commitment already (partially) report CO2 emissions. Finally, the overview presents examples of the efforts of individual banks. 2021 will see the publication of a sector report that will provide more insight into the financial sector as a whole. Examples of joint initiatives in the banking sector • With the Sustainable Housing Sector Collective, mortgage advisers are offered a Sustainable Housing Adviser training course to better promote the importance of making people's homes sustainable. • The Climate Risk Working Group, united under the Sustainable Finance Platform, published an anthology in which they describe how they manage climate risks in their portfolios and the major insights and challenges involved.
    [Show full text]
  • Biodiversity Opportunities and Risks for the Financial Sector
    Biodiversity Opportunities and Risks for the Financial Sector Working Group Biodiversity June 2020 The Sustainable Finance Platform This report is a reflection of the deliberations of the Biodiversity Working Group set up under the auspices of the Sustainable Finance Platform. The working group consists of Actiam, APG, ASN Bank, a.s.r., FMO, Rabobank, Robeco, Ministry of Agriculture, Nature and Food Quality, Erasmus University Rotterdam and is sponsored by NWB Bank. The Sustainable Finance Platform is a cooperative venture of De Nederlandsche Bank (chair), the Dutch Banking Association, the Dutch Association of Insurers, the Federation of the Dutch Pension Funds, the Dutch Fund and Asset Management Association, Invest-NL, the Netherlands Authority for the Financial Markets, the Ministry of Finance, the Ministry of Economic Affairs and Climate, and the Sustainable Finance Lab. Platform members meet twice a year to forge cross-sectoral links, to find ways to prevent or overcome obstacles to sustainable funding and to encourage sustainability by working together on specific topics. The Sustainable Finance Platform fully supports this paper. However, the practices and advice described herein are in no way binding for the individual financial institutions comprising the industry organizations which are members of the Platform, nor are they committed to take any specific follow-up actions. Furthermore, this paper outlines private sector initiatives and as such does not contain any supervisory requirements. 2 Index Executive Summary 4 Foreword 5 Introduction 6 1 The Value of Biodiversity 7 2 Why is Biodiversity Relevant for Financial Institutions? 9 3 Humanity’s Negative Impact on Biodiversity 14 4 Opportunities for People, Planet and Profit 16 5 What Steps Can Financial Institutions Take? 19 6 Partner Best Practices 21 6.1 Case Study Actiam 22 6.2 Case Study APG 24 6.3 Case Study ASN Bank 26 6.4 Case Study a.s.r.
    [Show full text]
  • Press Release the Netherlands, Utrecht, 11 March 2021
    Press release The Netherlands, Utrecht, 11 March 2021 Jan van Rutte steps down early as Chairman of the Supervisory Board of de Volksbank De Volksbank announces that Jan van Rutte has decided to step down early as Chairman of the Supervisory Board of de Volksbank. He will stay on until a successor has been appointed. The Supervisory Board has started the search for a successor. Jan van Rutte has been a member of the Supervisory Board of SNS REAAL N.V. and SNS Bank N.V. (predecessor in title of de Volksbank) since 1 November 2013. On 1 October 2015, he was appointed Chairman of the Supervisory Board of de Volksbank and in April 2018, he was reappointed for a period of four years. Jan van Rutte: “De Volksbank is entering a new phase in its development. The solid financial position and strong social mission are a sound basis for the recently formulated strategy for the period 2021-2025, which is fully supported by the Supervisory Board. The proposals for a new senior management structure also came about in close consultation with the Supervisory Board. The bank went through a difficult period. The recently disclosed findings of the survey of the functioning of the Board of Directors and the interaction between the (members of) Board of Directors and the Supervisory Board confirm the unrest in the senior management of the bank over the past year. The researchers’ findings are critical and clear. I hold the Supervisory Board and myself as Chairman of the Supervisory Board accountable for this too. Measures have since been taken to help restore healthy board dynamics.
    [Show full text]
  • Achmea B.V. (Incorporated with Limited Liability in the Netherlands with Its Statutory Seat in Zeist) €5,000,000,000 Programme for the Issuance of Debt Instruments
    Achmea B.V. (incorporated with limited liability in the Netherlands with its statutory seat in Zeist) €5,000,000,000 Programme for the Issuance of Debt Instruments Under the Programme described in this Base Prospectus (the “Programme”), Achmea B.V. (the “Issuer”), subject to compliance with all relevant laws, regulations and directives, may from time to time issue notes (the “Notes”) and capital securities (the “Capital Securities” and, together with the Notes, the “Instruments”). The Notes may be issued as subordinated notes (the “Subordinated Notes”) or senior notes (the “Senior Notes”). The aggregate nominal amount of Instruments outstanding will not at any time exceed €5,000,000,000 (or the equivalent in other currencies). Application has been made to the Irish Stock Exchange for the Instruments issued under the Programme to be admitted to the Official List and trading on its regulated market. References in this Base Prospectus to Instruments being “listed” (and all related references) shall mean that such Instruments have been listed and admitted to trading on the regulated market of the Irish Stock Exchange (or any other stock exchange). The regulated market of the Irish Stock Exchange is a regulated market for the purposes of the Markets in Financial Instruments Directive 2004/39/EC. However, unlisted Instruments may be issued as well pursuant to the Programme. The relevant Final Terms in respect of the issue of any Instruments will specify whether or not such Instruments will be listed and admitted to trading on the regulated market of the Irish Stock Exchange (or any other stock exchange). This Base Prospectus has been approved by the Central Bank of Ireland, as competent authority under Directive 2003/71/EC, as amended and implemented (the “Prospectus Directive”).
    [Show full text]
  • Manual Ideal Professional
    Manual iDEAL Professional Version August 2018 Rabobank Nederland Manual iDEAL Professional August 2018 | Version 1.1 1 Table of Contents Table of Contents ............................................................... 2 Introduction ........................................................................... 4 Module 1. Description of Rabobank iDEAL Professional 5 What is Rabobank iDEAL Professional? ................................................................................................................................... 5 How to create a link to Rabobank iDEAL? ............................................................................................................................. 5 Rabobank iDEAL Professional .................................................................................................................................................. 5 Other integration methods ....................................................................................................................................................... 6 Application process .............................................................................................................................................................................. 6 Activation ..................................................................................................................................................................................................... 6 Rabobank iDEAL Dashboard .........................................................................................................................................................
    [Show full text]