DSB Bank stands for Dirk Scheringa Beheer Bank after its founder and owner Dirk Scheringa, a former policeman who set up his first (tax consultancy) firm in 1975. DSB grew rapidly by focussing on consumer credit and has in the past been under fire for dubious sales techniques. But by 2008 it had built up a 17% market share. The bank’s logo features an ice-skater, reflecting Scheringa’s other passion – he has twice completed the famous Elfstedentocht skating race.