RaboResearch - Economic Research

Economic Report Dutch version

Macroeconomic developments in Europe

We expect growth in Europe to accelerate gradually, although the economy has far from fully recovered from the Global Financial Crisis. Substantial deterioration in the Greek situation and/or the geopolitical conflicts remain downside risks.

Economic Report

Dutch Budget 2015

With the deficit falling in line with expectations, the Dutch 2015 Budget contained only limited new policy measures. 2015 will be yet another year of austerity, and major reforms in health care and the labour market will be implemented.

Economic Report Dutch version

The new pension contract: still work in progress

The government is currently working on a new regulatory framework for pension funds. The present rules, set out in the Financial Assessment Framework, will be revised due to the introduction of a new pension contract in 2015.

Economic Report Dutch version

Budget Day: a repetition of moves

Over the past few years the wide variety of headgear – whether making or refraining from political statements – has seemed to have a permanent hold on the headlines on Budget Day.

Economic Report

Coalition agreement: the housing market

First we had the Spring Agreement, and now we have a coalition agreement. In addition to decisions about all kinds of other areas, measures have been taken for the further reform of the housing market.

Economic Report

A slice of Danish: the Danish mortgage model

Although the traditional Danish mortgage model offers interesting points for consideration, it would be undesirable to copy it directly. It is more important to explore ways to induce institutional investors to invest in the domestic mortgage market.

Economic Report

Overview of options for the housing market

This document maps out the effects of the respective election platforms for the economy as published by the Netherlands Bureau for Economic Policy Analysis. We conclude with our view of the likely and most desirable outcome of the coalition talks.

Economic Report

A realistic discount rate

Dutch Minister Kamp of Social Affairs recently announced plans to artificially increase the discount rate used by pension funds to value their liabilities. This Special Report looks at the desirability of the proposed changes.

Economic Report

Is the credit tap on or off?

Consumers and businesses often need credit for large expenditures. Small- and medium-sized enterprises (SME) are highly dependent on banks for financing and continuity in lending is crucially important to them.