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Giftig krediet: De onvermijdelijke ondergang van SNS Reaal

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Giftig krediet: De onvermijdelijke ondergang van SNS Reaal

4.85 57,266 ratings · 1,649 reviews
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Overview: Amsterdam. De raad van commissarissen van bank en verzekeraar SNS Reaal is bij de overname van Bouwfonds Property Finance in 2006 door de raad van bestuur onvolledig geïnformeerd over de risico’s. Dit blijkt uit een vertrouwelijke en zeer kritische evaluatie van SNS Reaal die niet eerder is geopenbaard en wordt beschreven in het boek ‘Giftig Krediet’ van NRC-journalisten Tom Kreling en Esther Rosenberg, dat maandag verschijnt.De evaluatie is een opsomming van fouten en slordigheden. Meerdere door SNS Reaal ingehuurde adviseurs waarschuwden de bank voor de risico’s van de overname. De raad van commissarissen vroeg daarom aan de bestuurders om buitenlandse vastgoedexperts mee te laten kijken bij het boekenonderzoek. Dat gebeurde niet, terwijl dit volgens de evaluatie wel “in de rede had gelegen”.Ook zijn de vastgoedleningen, die de bank tot een jaar na de overname bij juridische problemen aan verkoper ABN Amro had kunnen teruggeven, door juristen slechts deels en at face value doorgelicht. Zo zijn er van de 3.000 beleggingsfinancieringen maar 300 onderzocht als SNS Reaal de verkoper laat weten dat de gehele portefeuille in orde is.De verliezen bij de vastgoedbank zorgden er uiteindelijk voor dat SNS Reaal een jaar geleden werd genationaliseerd door minister Dijsselbloem (Financiën, PvdA). Het kostte de staat 3,7 miljard euro.In het boek beschrijven de twee journalisten de onvermijdelijke ondergang van SNS Reaal, die volgt op de overname van Bouwfonds Property Finance in 2006. Aan de hand van meer dan honderd gesprekken met betrokken en met gebruik van interne notulen, memo’s en rapporten schetsen de schrijvers hoe de voormalige spaarbank na een succesvolle beursgang verdwaald raakt in de wereld van het vastgoed. Het boek levert een onthutsend beeld op van ambitieuze bankiers die grote risico’s nemen en langzaam de controle over het bedrijf kwijtraken.

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Topics & Genres

Pages 288
Language Nl
Publisher Balans
Published January 1, 2014
ISBN 20861713
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Tom Kreling
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Tom Kreling
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Tom Kreling writes contemporary fiction and has always been fascinated by character-driven stories. They hold a degree in English Literature and previously worked as an editor before transitioning to writing their own books. Tom Kreling lives with their spouse and a very vocal rescue cat.

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Nancy Carter
Nancy Carter April 22, 2025
A profoundly satisfying read. The author orchestrated a breathtaking finale. Truly a work of art. An absolute must-read for connoisseurs of the genre.
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Absolutely brilliant. I adored how the story unfolded. It kept me captivated without sacrificing elegance. I am now a lifelong fan of this author.
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Honestly one of the most premium reading experiences lately. The prose is exquisite. It’s accessible yet undeniably sophisticated. I am now a lifelong fan of this author.
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Such a rich narrative. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. A true literary gem.
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A highly sophisticated read. A brilliant concept executed with flair. Just a few pacing choices I would change. A solid 4 stars from me.
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Eric Campbell May 13, 2024
A very strong entry. A brilliant concept executed with flair. Just a few pacing choices I would change. A solid 4 stars from me.
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Stephanie Thomas August 09, 2025
Masterpiece from start to finish. The author orchestrated a breathtaking finale. Truly a work of art. I will undoubtedly revisit this masterpiece.
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Mark Collins July 30, 2025
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Donna Green December 07, 2024
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Ashley Carter
Ashley Carter October 03, 2025
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Ryan Gomez
Ryan Gomez March 21, 2024
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Richard Scott February 08, 2025
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Rebecca Clark May 05, 2024
I thoroughly enjoyed the elegance of it. Beautiful writing, though I craved slightly more depth in the lore. Still, undeniably engaging. Quite impressive overall.
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Susan Reyes May 28, 2024
Excellent, though slightly flawed. It held my rapt attention, even when certain twists were telegraphed. I would highly recommend this to discerning readers.
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A highly sophisticated read. It held my rapt attention, even when certain twists were telegraphed. A wonderful companion for a quiet weekend.
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Masterpiece from start to finish. I adored how the story unfolded. It kept me captivated without sacrificing elegance. An absolute must-read for connoisseurs of the genre.
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I was completely blown away. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. An effortless 5 stars.
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A profoundly satisfying read. I became deeply invested in the protagonist's journey. A masterclass in storytelling. A true literary gem.
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I was completely blown away. I adored how the story unfolded. It kept me captivated without sacrificing elegance. An effortless 5 stars.
Daniel Wilson
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Masterpiece from start to finish. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. I will undoubtedly revisit this masterpiece.
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A profoundly satisfying read. The author orchestrated a breathtaking finale. Truly a work of art. An absolute must-read for connoisseurs of the genre.
Robert Wright
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Honestly one of the most premium reading experiences lately. I adored how the story unfolded. It kept me captivated without sacrificing elegance. A true literary gem.
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George Hernandez
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Honestly one of the most premium reading experiences lately. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. I will undoubtedly revisit this masterpiece.
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A profoundly satisfying read. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. A true literary gem.
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Elizabeth Evans
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Exceeded all my expectations. The prose is exquisite. It’s accessible yet undeniably sophisticated. A true literary gem.
Brian Green
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George Hall
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Such a rich narrative. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. Worth every moment spent reading.
Laura White
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It was adequate. The tempo was somewhat languid, and I found my mind wandering. Not poor, simply average. Perhaps more aligned with a different audience's tastes.
Carol Johnson
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I was completely blown away. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. I will undoubtedly revisit this masterpiece.
Emily Williams
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I was completely blown away. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. I am now a lifelong fan of this author.
Kenneth Jones
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Excellent, though slightly flawed. The middle had a deliberate pace, but the climax was phenomenal. I would highly recommend this to discerning readers.
Michael Miller
Michael Miller June 01, 2025
Masterpiece from start to finish. I became deeply invested in the protagonist's journey. A masterclass in storytelling. I am now a lifelong fan of this author.
Melissa Evans
Melissa Evans August 28, 2024
Honestly one of the most premium reading experiences lately. I adored how the story unfolded. It kept me captivated without sacrificing elegance. I will undoubtedly revisit this masterpiece.
Michelle  Davis
Michelle Davis October 15, 2024
Honestly one of the most premium reading experiences lately. I became deeply invested in the protagonist's journey. A masterclass in storytelling. Worth every moment spent reading.
Kenneth Baker
Kenneth Baker January 15, 2024
An acceptable diversion. It verged on repetitive in the second act. A more concise edit would have served it well. Perfectly average.
Sharon Edwards
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Took a moment to build, but the payoff was spectacular. It held my rapt attention, even when certain twists were telegraphed. Quite impressive overall.
Anthony Jones
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Masterpiece from start to finish. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. An absolute must-read for connoisseurs of the genre.
Linda Hall
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A profoundly satisfying read. The prose is exquisite. It’s accessible yet undeniably sophisticated. An absolute must-read for connoisseurs of the genre.
Thomas Hall
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A profoundly satisfying read. The author orchestrated a breathtaking finale. Truly a work of art. A true literary gem.
Karen Moore
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Absolutely brilliant. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. An effortless 5 stars.
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Honestly one of the most premium reading experiences lately. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. I am now a lifelong fan of this author.
William Carter
William Carter February 24, 2025
I find myself somewhat conflicted. It verged on repetitive in the second act. A more concise edit would have served it well. Perhaps more aligned with a different audience's tastes.
Patricia Flores
Patricia Flores June 15, 2024
A decent, if standard, experience. It possessed moments of brilliance, but the narrative felt slightly disjointed ultimately. Unlikely to reread, but a reasonable expenditure of time.
Karen Edwards
Karen Edwards May 04, 2025
Took a moment to build, but the payoff was spectacular. It held my rapt attention, even when certain twists were telegraphed. A very distinguished novel.
Nancy Carter
Nancy Carter January 15, 2025
Took a moment to build, but the payoff was spectacular. The protagonist was compelling, though some subplots felt slightly overshadowed. Quite impressive overall.
Steven Cruz
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Jacob Williams
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I was completely blown away. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. I am now a lifelong fan of this author.
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Karen Collins
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Such a rich narrative. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. A true literary gem.
Eric Brown
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Masterpiece from start to finish. The author orchestrated a breathtaking finale. Truly a work of art. Worth every moment spent reading.
Brian Jones
Brian Jones December 30, 2024
A highly sophisticated read. A brilliant concept executed with flair. Just a few pacing choices I would change. A very distinguished novel.
Kimberly Miller
Kimberly Miller March 03, 2025
Exceeded all my expectations. I became deeply invested in the protagonist's journey. A masterclass in storytelling. A true literary gem.
Christopher Perez
Christopher Perez August 10, 2024
Absolutely brilliant. The author orchestrated a breathtaking finale. Truly a work of art. Worth every moment spent reading.
Elizabeth Flores
Elizabeth Flores March 02, 2024
A profoundly satisfying read. The prose is exquisite. It’s accessible yet undeniably sophisticated. I am now a lifelong fan of this author.
Nancy Torres
Nancy Torres June 16, 2024
Excellent, though slightly flawed. A brilliant concept executed with flair. Just a few pacing choices I would change. A solid 4 stars from me.
Kevin Jones
Kevin Jones May 06, 2024
Such a rich narrative. I became deeply invested in the protagonist's journey. A masterclass in storytelling. I will undoubtedly revisit this masterpiece.
Nancy Martinez
Nancy Martinez June 08, 2024
Such a rich narrative. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. An effortless 5 stars.
Cynthia Baker
Cynthia Baker September 02, 2024
A highly sophisticated read. The middle had a deliberate pace, but the climax was phenomenal. A solid 4 stars from me.
Charles Lewis
Charles Lewis December 14, 2024
I was completely blown away. The prose is exquisite. It’s accessible yet undeniably sophisticated. I am now a lifelong fan of this author.
Mark Collins
Mark Collins August 05, 2024
A profoundly satisfying read. The prose is exquisite. It’s accessible yet undeniably sophisticated. I will undoubtedly revisit this masterpiece.
Nicholas King
Nicholas King March 03, 2024
Honestly one of the most premium reading experiences lately. I adored how the story unfolded. It kept me captivated without sacrificing elegance. An absolute must-read for connoisseurs of the genre.
Mark Taylor
Mark Taylor February 05, 2025
A decent, if standard, experience. It possessed moments of brilliance, but the narrative felt slightly disjointed ultimately. Perfectly average.
Brian Lopez
Brian Lopez October 27, 2024
A profoundly satisfying read. I adored how the story unfolded. It kept me captivated without sacrificing elegance. I am now a lifelong fan of this author.
Matthew Roberts
Matthew Roberts October 28, 2024
Honestly one of the most premium reading experiences lately. The author orchestrated a breathtaking finale. Truly a work of art. An absolute must-read for connoisseurs of the genre.
Sandra Robinson
Sandra Robinson March 19, 2024
Honestly one of the most premium reading experiences lately. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. A true literary gem.
Stephanie Cruz
Stephanie Cruz December 10, 2024
Such a rich narrative. The author orchestrated a breathtaking finale. Truly a work of art. An absolute must-read for connoisseurs of the genre.
Barbara Reyes
Barbara Reyes December 18, 2025
Not entirely to my refined tastes. The tempo was somewhat languid, and I found my mind wandering. Not poor, simply average. Perfectly average.
Jessica Martinez
Jessica Martinez June 29, 2025
A profoundly satisfying read. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. I will undoubtedly revisit this masterpiece.
Rebecca Clark
Rebecca Clark February 14, 2025
Absolutely brilliant. I became deeply invested in the protagonist's journey. A masterclass in storytelling. An effortless 5 stars.
Donna Green
Donna Green January 28, 2024
Took a moment to build, but the payoff was spectacular. The middle had a deliberate pace, but the climax was phenomenal. A solid 4 stars from me.
Mark Rivera
Mark Rivera March 16, 2024
Took a moment to build, but the payoff was spectacular. The protagonist was compelling, though some subplots felt slightly overshadowed. Quite impressive overall.
Thomas Ramirez
Thomas Ramirez April 05, 2025
A profoundly satisfying read. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. A true literary gem.
Melissa Mitchell
Melissa Mitchell November 01, 2025
A profoundly satisfying read. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. An absolute must-read for connoisseurs of the genre.
Jacob Thompson
Jacob Thompson August 10, 2025
Excellent, though slightly flawed. The protagonist was compelling, though some subplots felt slightly overshadowed. Quite impressive overall.
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