These relate to the total liabilities in respect of irrevocable undertakings, which may lead to a further loan.

in thousands of EUR

2019

2018

Undrawn debit limits on current accounts and credit cards

252,564

213,008

Accepted loans not yet paid out

1,120,627

1,165,538

Valid loan offers not yet accepted

28,972

84,434

Other facilities

287

1,009

 

1,402,450

1,463,989

Other off-balance sheet liabilities

In addition to the contingent liabilities and irrevocable facilities reported on the balance sheet the deposit guarantee scheme and the investor compensation scheme is applicable as stated in Article 3:259 of the Financial Supervision Act in The Netherlands. From May 2019 the funds entrusted from the United Kingdom are insured under the Financial Services Compensation Scheme as defined by the Financial Services and Markets Act 2000 in the United Kingdom. The funds entrusted insured under the deposit guarantee scheme in The Netherlands amounts to € 7,211 million (2018: € 7,512 million) and in the United Kingdom € 990 million (£ 838 million, 2018: nil). In 2016 the annually ex-ante contribution to the Deposit Guarantee Fund started in The Netherlands in order to reach a target level of 0.8% of the insured funds entrusted in The Netherlands in 2024. The contribution to the Deposit Guarantee Fund amount to EUR 10.5 million in 2019 (2018: EUR 8.4 million).

Rental commitments

in thousands of EUR

Location

Amount per annum

Residual term

Berlin, Germany

27

47 months

Brussels, Belgium

837

48 months

Edinburgh, United Kingdom

23

57 months

Albacete, Spain

10

2 months

Badajoz, Spain

8

3 months

Barcelona, Spain

61

1 month

Bilbao, Spain

14

3 months

Gerona, Spain

20

1 month

Granada, Spain

37

6 months

La Coruña, Spain

15

3 months

Las Palmas, Spain

10

3 months

Madrid, Spain

40

3 months

Malaga, Spain

44

6 months

Murcia, Spain

27

3 months

Oviedo, Spain

18

3 months

Palma de Mallorca, Spain

23

3 months

Pamplona, Spain

17

3 months

Santa Cruz de Tenerife, Spain

14

3 months

Sevilla, Spain

25

3 months

Valencia, Spain

16

3 months

Valladolid, Spain

23

3 months

Zaragoza, Spain

15

6 months

Frankfurt, Germany

199

117 months

Lease commitments

in thousands of EUR

Lease commitments relates primarily to cars have been entered between 1 and 48 months with an annual charge of EUR 727.

Commitments for software use

in thousands of EUR

The following commitments have been entered for software use:

  • For a period of at least 1 year a fixed annual payment of EUR 140 regarding a mortgage tool.
  • For a period of at least 1 year a variable annual charge of approximately EUR 529 regarding the use of a banking system.
  • For a period of at least 4 year a fixed annual payment of EUR 396 regarding a regulatory reporting tool.
  • For a period of at least 1 year a variable annual charge of approximately EUR 90 regarding an application and database server.
  • For a period of at least 1 year a variable annual charge of approximately EUR 30 regarding the support of a customer engagement tool.
  • For a period of at least 1 year an annual charge of EUR 78 regarding the support of a securities administration tool.
  • For a period of at least 5 years a variable annual charge of approximately EUR 2,052 regarding the use of a banking system.
  • For a period of at least 2 years a variable annual charge of approximately EUR 60 regarding the use of an asset management tool.

Other Commitments

in thousands of EUR

The following commitments have been entered:

  • Services relating managing of mortgages for a period of at least 1 year with an annual charge of EUR 1,740.
  • Services relating payment transactions for a period of at least 2 years with an variable annual charge of approximately EUR 4,400.
  • Services relating managing of investment accountsmortgages for a period of at least 1 year with an annual charge of approximately EUR 257.
  • Services relating payment transactions for a period of at least 1 year with an variable annual charge of approximately EUR 95.
  • Services relating payment transactions for a period of at least 1 year with an variable annual charge of approximately EUR 175.
  • Services relating payment transactions for a period of at least 1 years with an annual charge of approximately EUR 400.
  • Services relating payment transactions for a period of at least 1 year with an annual charge of approximately EUR 34.
  • Services relating to credit checks with an estimated annual charge of at least EUR 120.
  • Services relating to provision of debit cards of around EUR 295.
  • Services relating payment transactions for a period of at least 2 years with an annual charge of approximately EUR 35.
  • Services relating protection of payment systems for a period of at least 0.5 years with an variable annual charge of approximately EUR 510.
  • Services relating to crowdfunding platforms for at least 2 years with an annual charge of EUR 56.
  • Services relating providing temporary co-workers for the customer contact centre for a period of at least 3 months with an variable annual charge of approximately EUR 740.
  • Services relating to an engagement dialogues program for a period of at least two years with an annual charge of approximately EUR 88.

Triodos Bank has an obligation for a perpetually renewable ground lease as of 2017 for an annual amount of EUR 0.2 million.