Ronald Latenstein (1964) has been chairman and CEO since 15 April 2009. He is also charged with supervising the Group staff departments Group Audit, Group Communications, Compliance & Operational Risk Management and Corporate Strategy. After graduating in economics, Ronald Latenstein specialised in business administration. Following several national and international financial management positions, he joined SNS REAAL in 1995. After a brief intermezzo as CFO at Bank Insinger de Beaufort, he became CFO at SNS REAAL in 2002.
Other positions: member of the Supervisory Board of Sligro Food Group N.V., chairman of the Supervisory Committee of Stichting Kinderopvang Humanitas, board member of Climate Change Capital Holdings Ltd., board member of Verbond van Verzekeraars, board member Vereniging VNO-NCW (since 25 June 2009), board member of Duisenberg School of Finance (until 1 July 2009) and board member Oranje Fonds (since 1 July 2009).

Rien Hinssen (1956) has been a member of the Executive Board since 1999 and, as COO focuses on the business operations of SNS Retail Bank and SNS Property Finance. In addition, he is responsible for the Group staff departments Legal Affairs and Human Resource Management. Rien Hinssen is a legal expert and specialised in financial and business management. Previously he held various positions at Rabobank before joining SNS Bank in 1982 as District Director for North and Central Limburg.
Other positions: member of the Executive Board of the Netherlands Bankers' Association (NVB), board member of the Stichting Bevorderen Efficiënt Betalen, member of the European Savings Banks Group and board member of the World Savings Banks Institute.

Ference Lamp (1971) has been CFO on the Executive Board since 15 April 2009. In addition, he supervises the Group staff departments Group Risk Management, Investor Relations, Group Finance and Fiscal Affairs. Ference Lamp has extensive experience in the financial services industry. He worked in various positions, including as Managing Director of the Financial Insti­tutions Group at Lehman Brothers and as Associate Corporate Finance & Capital Markets at Fortis Investment Bank in Amsterdam.
Other positions: board member of Stichting Radio Nederland Werel­domroep, board member Duisenberg School of Finance.

Dick Okhuijsen (1965) joined SNS REAAL on 1 September 2009 and has been a member of the Executive Board as of 3 December 2009. As COO, he focuses on the business operations of REAAL and Zwitserleven, and is also responsible for SNS Asset Management, IT and Facility Management. Dick Okhuijsen's studies included applied mathematics, an MBA and the Advanced Management Program at Harvard School of Business. He held several positions at Nationale-Nederlanden and ING Group, including that of CEO of ING Life Insurance Company Ltd. Japan.
Other position: board member Stichting Management Studies.