The operational and financial pressure resulting from the COVID-19 pandemic is especially strong among care institutions and municipalities, though for local authorities, the financial consequences of COVID-19 have been alleviated by financial compensation from the Dutch government. Thanks to the safety net established by the government and the health insurance companies, the financial impact for the healthcare sector has been limited. While the pandemic is affecting the creditworthiness of many clients, this did not lead to additional individual impairments in 2020.
The annual report and the financial statements are published in English and together they form the Annual Report BNG Bank 2021. For our shareholders and customers we have made a Dutch version. In case of discrepancies, the English version is leading.

The Annual General Meeting of Shareholders took place on Thursday, 22 April 2021, at 11:00 a.m. via an online connection. On 31 March, the annual report, the invitation and the documents for the shareholders' meeting were sent to the shareholders.
