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var ArticleObjects = [[1558,'Chairman’s foreword','Solid earnings at a time of modest economic recovery.\nIn the first six months of 2011, the global economic recovery was modest. ','Source: Interim Report 2011, chapter Chairman\'s foreword, page 2','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1002,1009],[1002,1010],[1003,1012],[1003,1013],[1003,1014],[1003,1015],[1005,1023],[1005,1024],[1007,1042],[1009,1066],[1009,1069],[1009,1080]],'',''],[1559,'Key figures Rabobank Group','141 local Rabobanks. 892 foreign places of business. 1.8 million members. Total assets: 664,953 millions. Net profit: 1,854 millions. Tier-1 ratio: 16,2%.','Source: Interim Report 2011, chapter Key figures','mj',1,0,[[1000,1000],[1000,1001],[1001,1005],[1010,1081],[1002,1008],[1005,1022],[1009,1068]],'',''],[1560,'Key figures (graphs)','Loan portfolio, amounts due to customers, net profit, return on equity, tier 1 ratio (graphs).','Source: Interim Report 2011, chapter Key figures','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1022],[1009,1067]],'',''],[1561,'Profile of Rabobank Group','Rabobank Group is an international financial services provider operating on the basis of cooperative principles.','Source: Interim Report 2011, chapter Pofile of Rabobank Group, page 4','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1010],[1007,1040],[1007,1046],[1007,1047],[1008,1048],[1008,1049],[1008,1050],[1008,1070],[1008,1071],[1009,1066]],'',''],[1562,'Rabobank Group Organisation chart','Organisation chart of the Rabobank Group.','Source: Interim Report 2011, chapter Pofile of Rabobank Group, page 5','mj',1,0,[[1000,1000],[1000,1001],[1001,1005],[1010,1081],[1002,1010],[1007,1040],[1007,1046],[1007,1047],[1008,1048],[1008,1049],[1008,1050],[1008,1070],[1008,1071],[1008,1051],[1008,1052],[1008,1053],[1008,1055],[1008,1056],[1008,1079],[1008,1059],[1008,1061],[1008,1062],[1008,1063],[1008,1064],[1009,1067]],'',''],[1563,'Rabobank Group at a glance','Rabobank Group is an international financial services provider operating on the basis of cooperative principles.','Source: Interim Report 2011, chapter Rabobank Group at a glance, page 6','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1002,1011],[1005,1022],[1007,1046],[1009,1066],[1009,1067]],'',''],[1564,'Domestic retail banking at a glance','Rabobank Group is the largest mortgage lender, savings bank and insurance broker in the Netherlands.','Source: Interim Report 2011, chapter Rabobank Group at a glance, page 6','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1004,1016],[1004,1017],[1004,1021],[1005,1022],[1007,1046],[1007,1047],[1008,1048],[1008,1059],[1009,1066],[1009,1067]],'',''],[1565,'Wholesale banking and international retail banking at a glance','Rabobank International is Rabobank Group’s wholesale banking and international retail banking division.','Source: Interim Report 2011, chapter Rabobank Group at a glance, page 6','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1002,1011],[1004,1016],[1004,1017],[1005,1022],[1007,1046],[1007,1047],[1008,1050],[1008,1070],[1008,1071],[1008,1052],[1008,1053],[1009,1066],[1009,1067]],'',''],[1566,'Asset management at a glance','Rabobank Group’s asset management business is carried out by Robeco, Sarasin and Schretlen & Co.','Source: Interim Report 2011, chapter Rabobank Group at a glance, page 7','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1004,1018],[1005,1022],[1005,1026],[1007,1046],[1007,1047],[1008,1062],[1008,1063],[1008,1064],[1009,1066],[1009,1067]],'',''],[1567,'Leasing at a glance','De Lage Landen runs Rabobank Group’s leasing activities.','Source: Interim Report 2011, chapter Rabobank Group at a glance, page 7','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1002,1011],[1004,1020],[1005,1022],[1007,1046],[1007,1047],[1008,1055],[1009,1066],[1009,1067]],'',''],[1568,'Rabo Real Estate Group at a glance','Rabo Real Estate Group is responsible for Rabobank Group’s retail and corporate real estate operations.','Source: Interim Report 2011, chapter Rabobank Group at a glance, page 7','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1004,1019],[1005,1022],[1007,1046],[1007,1047],[1008,1051],[1009,1066],[1009,1067]],'',''],[1569,'Financial developments','Net profit growth and improved capital ratios.\nAlthough there was more uncertainty about the debts of several countries, the first half of 2011 was characterised by ongoing economic recovery in the Netherlands.','Source: Interim Report 2011, chapter Financial developments, page 8','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1002,1010],[1003,1012],[1003,1013],[1003,1014],[1005,1023],[1005,1024],[1005,1026],[1009,1066]],'',''],[1570,'Growth in lending at local Rabobanks in particular','Economic growth resulted in an improved investment climate in the Netherlands.','Source: Interim Report 2011, chapter Financial developments, page 8','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1002,1010],[1002,1011],[1003,1013],[1004,1017],[1004,1074],[1005,1023],[1005,1024],[1008,1048],[1008,1050],[1008,1055],[1008,1059],[1009,1066],[1009,1067]],'',''],[1571,'Increase in amounts due to customers','Amounts due to customers have always been an important source of funding for lending at Rabobank.','Source: Interim Report 2011, chapter Financial developments, page 9','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1003,1013],[1004,1016],[1005,1023],[1005,1026],[1008,1048],[1008,1050],[1009,1066],[1009,1067]],'',''],[1572,'Increase in equity thanks to retained earnings','Rabobank Group’s equity increased by 4%, reaching EUR 42.5 (40.8) billion in the first half of 2011.','Source: Interim Report 2011, chapter Financial developments, page 10','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1023],[1005,1026],[1009,1066],[1009,1067]],'',''],[1573,'External capital requirement','Rabobank Group’s external capital requirement amounted to EUR 18.4 (17.6) billion at 30 June 2011.','Source: Interim Report 2011, chapter Financial developments, page 10','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1023],[1005,1025],[1005,1026],[1009,1066],[1009,1067]],'',''],[1574,'Economic capital as an internal capital requirement','Over and above the external capital requirement, Rabobank Group calculates the internal capital requirement based on an economic capital framework.','Source: Interim Report 2011, chapter Financial developments, page 11','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1023],[1005,1025],[1005,1026],[1009,1066],[1009,1067]],'',''],[1575,'Financial results of Rabobank Group','Financial results of Rabobank Group (table).','Source: Interim Report 2011, chapter Financial developments, page 12','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1022],[1005,1023],[1005,1024],[1005,1026],[1005,1027],[1009,1068]],'',''],[1576,'Notes to financial results of Rabobank Group','Income up 14%. Operating expenses up 12%. Bad debt costs at 29 basis points. Net profit up 13%. RAROC up 2 percentage points.','Source: Interim Report 2011, chapter Financial developments, page 12','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1023],[1005,1024],[1005,1025],[1005,1026],[1005,1027],[1009,1066]],'',''],[1577,'Domestic retail banking','Robust performance driven by economic recovery.\nAn increase in global demand powered moderate economic recovery in the first six months of 2011. ','Source: Interim Report 2011, chapter Domestic retail banking, page 14','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1002,1009],[1002,1010],[1002,1011],[1003,1012],[1003,1013],[1003,1014],[1004,1016],[1004,1017],[1005,1022],[1005,1023],[1005,1024],[1005,1025],[1005,1026],[1007,1047],[1008,1048],[1008,1079],[1008,1059],[1009,1066],[1009,1067]],'',''],[1578,'Appeal to reform the housing market','In June 2011, Rabobank made an appeal for a full-scale reform of the Dutch housing market, which has stagnated because of the credit crunch and stricter mortgage rules, among other factors.','Source: Interim Report 2011, chapter Domestic retail banking, page 14','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1009],[1002,1010],[1004,1017],[1007,1047],[1008,1048],[1009,1066]],'',''],[1579,'Employer of choice for highly educated people','Intermediair, a Dutch weekly, has named Rabobank as the employer of choice in the Netherlands.','Source: Interim Report 2011, chapter Domestic retail banking, page 15','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1006,1031],[1007,1045],[1009,1066]],'',''],[1580,'Fighting for mortgage customers','Competition in the mortgage market is heating up.','Source: Interim Report 2011, chapter Domestic retail banking, page 15','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1002,1009],[1002,1010],[1004,1017],[1006,1031],[1007,1047],[1008,1048],[1008,1059],[1009,1066]],'',''],[1581,'Stable market shares','Two of the focus areas of the domestic retail banking division in 2011 are better client services and profitable market leadership.','Source: Interim Report 2011, chapter Domestic retail banking, page 15','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1002,1010],[1002,1011],[1004,1016],[1004,1017],[1007,1047],[1008,1048],[1008,1059],[1009,1066],[1009,1067]],'',''],[1582,'Teaching financial literacy to children','Rabobank wants to help children become financially literate.','Source: Interim Report 2011, chapter Domestic retail banking, page 15','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1009],[1002,1010],[1006,1031],[1007,1047],[1008,1048],[1009,1066]],'',''],[1583,'Sharper customer focus at mortgage lender Obvion','Obvion is increasingly gearing its products and services to the needs of consumers and customers.','Source: Interim Report 2011, chapter Domestic retail banking, page 16','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1009],[1002,1010],[1004,1017],[1006,1032],[1007,1047],[1008,1059],[1009,1066]],'',''],[1584,'Reduction in tax relief for socially responsible investments','Rabo Groen Bank has not issued any loans since October 2010 because of the Cabinet’s decision to scale down the tax relief for private investors from 2.5% in 2010 to 1.2% in 2015.','Source: Interim Report 2011, chapter Domestic retail banking, page 16','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1009],[1006,1078],[1009,1066]],'',''],[1585,'Dutch greenhouse horticulture struck by EHEC','A few sectors, including greenhouse horticulture, are still suffering heavily. In dialogue with these sectors, Rabobank stepped up – and will step up – to its responsibility to help businesses that were affected by the crisis.','Source: Interim Report 2011, chapter Domestic retail banking, page 16','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1009],[1002,1011],[1006,1032],[1006,1033],[1006,1078],[1007,1047],[1008,1048],[1009,1066]],'',''],[1586,'Supporting corporate clients','To help corporate clients realise their plans, the local Rabobanks used Rabo Stimuleringskapitaal (incentive capital), which was introduced late in 2010.','Source: Interim Report 2011, chapter Domestic retail banking, page 16','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1009],[1009,1066]],'',''],[1587,'Data submission via SBR','By fulfilling an active, pioneering and driving role in the Standard Business Reporting (SBR) project, Rabobank helped shape the standard submission of business data to banks and government bodies.','Source: Interim Report 2011, chapter Domestic retail banking, page 17','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1009],[1009,1066]],'',''],[1588,'Focus on the customer','Customer focus has been a key area of attention over the past six months.','Source: Interim Report 2011, chapter Domestic retail banking, page 17','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1009],[1002,1010],[1006,1032],[1009,1066]],'',''],[1589,'Food security and sustainability in value chains','The Dutch food and agribusiness is not only important to the Netherlands and production capacity in North-West Europe, but it also plays an important role in spreading knowledge and base products across the globe.','Source: Interim Report 2011, chapter Domestic retail banking, page 17','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1009],[1002,1011],[1006,1078],[1009,1066]],'',''],[1590,'Better labour relations in the mushroom sector','On Rabobank’s initiative and in dialogue with the mushroom sector, an agreement was reached with all stakeholders in the chain about introducing responsible labour relations and working conditions.','Source: Interim Report 2011, chapter Domestic retail banking, page 17','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1009],[1002,1011],[1006,1078],[1009,1066]],'',''],[1591,'Policy for livestock farming','Based, in part, on its own Food & Agribusiness Principles, Rabobank formulated a new policy for livestock farming in the Livestock Farming Position Paper.','Source: Interim Report 2011, chapter Domestic retail banking, page 17','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1009],[1002,1011],[1006,1036],[1006,1078],[1009,1066]],'',''],[1592,'Up-to-date CSR expertise available to account managers','Starting this year, the bank’s account managers have had access to specific, up-to-date CSR expertise about all SME sectors and 25 sub-sectors.','Source: Interim Report 2011, chapter Domestic retail banking, page 17','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1009],[1006,1078],[1009,1066]],'',''],[1593,'Tentative growth in lending','Total private sector lending at domestic retail banking increased by 2% in the first half of the year, rising to EUR 291.3 (286.9) billion, which kept growth at about the same level as in the first six months of 2010.','Source: Interim Report 2011, chapter Domestic retail banking, page 18','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1004,1074],[1005,1023],[1005,1024],[1007,1047],[1008,1048],[1009,1066],[1009,1067]],'',''],[1594,'Simplification of savings products and introduction of Rabo SpaarWijzer','Early in 2010, it was decided to change the range of personal savings products to meet customer needs for simplicity, convenience and transparency.','Source: Interim Report 2011, chapter Domestic retail banking, page 18','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1002,1010],[1003,1013],[1004,1016],[1007,1047],[1008,1048],[1009,1066]],'',''],[1595,'Introduction of new current accounts','In 2010, Rabobank started to introduce four new current accounts.','Source: Interim Report 2011, chapter Domestic retail banking, page 18','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1010],[1003,1013],[1004,1016],[1007,1047],[1008,1048],[1009,1066]],'',''],[1596,'Transparent insurance commissions and change in calculation method','Interpolis, a leading insurer in the Netherlands, is a subsidiary of Eureko. Rabobank Group has a 31% equity interest in Eureko.','Source: Interim Report 2011, chapter Domestic retail banking, page 18','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1009],[1002,1010],[1004,1021],[1006,1032],[1007,1047],[1008,1079],[1009,1066]],'',''],[1597,'Reduction in paper consumption','In tandem with Interpolis and other insurers, Rabobank is working towards reducing its paper flows.','Source: Interim Report 2011, chapter Domestic retail banking, page 19','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1009],[1004,1021],[1006,1031],[1006,1033],[1006,1037],[1007,1047],[1008,1079],[1009,1066]],'',''],[1598,'Increase in number of Interpolis insurance policies','Interpolis operates in different markets, offering a broad range of products, including Alles in één Polis package insurance for private individuals, ZorgActief Polis health insurance, and the ZekerVanJeZaak Polis and Bedrijven Compact Polis business insurance policies.','Source: Interim Report 2011, chapter Domestic retail banking, page 19','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1003,1013],[1005,1024],[1007,1047],[1008,1079],[1009,1066]],'',''],[1599,'Financial results domestic retail banking','Financial results of domestic retail banking (table).','Source: Interim Report 2011, chapter Domestic retail banking, page 19','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1022],[1005,1023],[1005,1024],[1005,1025],[1005,1026],[1005,1027],[1007,1047],[1008,1048],[1008,1059],[1009,1068]],'',''],[1600,'Notes to financial results of domestic retail banking','Income up 8%. Operating expenses up 3%. Bad debt costs at 15 basis points. External capital requirement down 1%. ','Source: Interim Report 2011, chapter Domestic retail banking, page 20','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1023],[1005,1024],[1005,1025],[1005,1026],[1005,1027],[1007,1047],[1008,1048],[1008,1059],[1009,1066]],'',''],[1601,'Wholesale banking and international retail banking','Leading position in the Netherlands and handsome growth in savings on international scale.\nPrivate sector lending at Rabobank International saw a marginal drop to EUR 97.8 billion in the first six months of 2011, due, in part, to the depreciation of the US dollar.','Source: Interim Report 2011, chapter Wholesale banking and international retail banking, page  21','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1002,1011],[1003,1012],[1003,1013],[1003,1014],[1005,1023],[1005,1024],[1005,1025],[1005,1026],[1007,1043],[1007,1047],[1008,1050],[1008,1070],[1009,1066],[1009,1067]],'',''],[1602,'Rabobank: the leading Dutch wholesale bank','In collaboration with the local Rabobanks, the Dutch wholesale banking division provides services to wholesale clients.','Source: Interim Report 2011, chapter Wholesale banking and international retail banking, page  21','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1002,1010],[1003,1013],[1004,1074],[1004,1076],[1007,1047],[1008,1050],[1009,1066]],'',''],[1603,'Winner of Incompany 500 survey','For the third consecutive year, Rabobank came first in the independent Incompany 500 survey, which ranks the reputation and customer satisfaction scores of businesses.','Source: Interim Report 2011, chapter Wholesale banking and international retail banking, page  21','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1002,1010],[1006,1031],[1007,1047],[1008,1050],[1009,1066]],'',''],[1604,'Sharing knowledge with the food and agri sector','Rabobank plays a role in serving and connecting the entire food chain from primary production to the marketing of products by large multinationals.','Source: Interim Report 2011, chapter Wholesale banking and international retail banking, page  22','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1002,1011],[1007,1047],[1008,1050],[1009,1066]],'',''],[1605,'Banking licence in India and office opening in Germany','India’s Central Bank has granted Rabobank a licence to open an office in Mumbai.','Source: Interim Report 2011, chapter Wholesale banking and international retail banking, page  22','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1004,1075],[1007,1047],[1008,1050],[1008,1071],[1009,1066]],'',''],[1606,'Best soft commodities bank','In the first half of 2011, more customers yet again made use of our Trade & Commodity Finance services.','Source: Interim Report 2011, chapter Wholesale banking and international retail banking, page  22','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1002,1011],[1006,1031],[1007,1047],[1008,1050],[1009,1066]],'',''],[1607,'Partial IPO for Bank BGZ','Poland is another key food and agri market with excellent growth perspectives, which is why Rabobank has a 59% equity interest in Bank BGZ.','Source: Interim Report 2011, chapter Wholesale banking and international retail banking, page  22','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1002,1011],[1003,1013],[1007,1047],[1008,1053],[1009,1066]],'',''],[1608,'Further increase in savings deposits at foreign direct banks','The volume of savings deposits generated by Direct Banking activities continued to grow in the first half of 2011.','Source: Interim Report 2011, chapter Wholesale banking and international retail banking, page  22','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1003,1013],[1004,1016],[1005,1023],[1005,1026],[1007,1047],[1008,1050],[1009,1066]],'',''],[1609,'Limited drop in retail loans due to currency effects','Although the international retail activities grew in volume because we opened many new retail branches, the portfolio contracted due to currency effects.','Source: Interim Report 2011, chapter Wholesale banking and international retail banking, page  23','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1003,1013],[1004,1074],[1005,1023],[1006,1036],[1007,1047],[1008,1050],[1008,1052],[1008,1053],[1009,1066]],'',''],[1610,'Focus on sustainability in food and agri chains','In the first half of 2011, Rabobank International again placed much emphasis on creating more sustainable food and agri chains by entering into a direct dialogue with customers.','Source: Interim Report 2011, chapter Wholesale banking and international retail banking, page  23','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1009],[1002,1011],[1006,1078],[1007,1047],[1008,1050],[1009,1066]],'',''],[1611,'Supporting rural banks in developing countries','Rabo Development helps existing banks with a rural orientation in developing countries to grow into professional, modern-day financial institutions.','Source: Interim Report 2011, chapter Wholesale banking and international retail banking, page  23','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1002,1009],[1002,1010],[1002,1011],[1004,1016],[1004,1074],[1006,1031],[1006,1038],[1006,1078],[1007,1047],[1008,1050],[1008,1070],[1009,1066]],'',''],[1612,'Increase in food and agri share of lending','Total private sector lending at Rabobank International showed a marginal 1% drop in the first half of the year, falling to EUR 97.8 (99.1) billion.','Source: Interim Report 2011, chapter Wholesale banking and international retail banking, page  24','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1002,1011],[1004,1074],[1005,1023],[1005,1024],[1007,1047],[1008,1050],[1009,1066],[1009,1067]],'',''],[1613,'Financial results of wholesale banking and international retail banking','Financial results of wholesale banking and international retail banking (table).','Source: Interim Report 2011, chapter Wholesale banking and international retail banking, page  25','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1022],[1005,1023],[1005,1024],[1005,1025],[1005,1026],[1005,1027],[1007,1047],[1008,1050],[1009,1068]],'',''],[1614,'Notes to financial results of wholesale banking and international retail banking','Income up 5%. Operating expenses up 20%. Bad debt costs at 66 basis points. External capital requirement up 8%.','Source: Interim Report 2011, chapter Wholesale banking and international retail banking, page  25','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1023],[1005,1024],[1005,1025],[1005,1026],[1005,1027],[1007,1047],[1008,1050],[1009,1066]],'',''],[1615,'Asset management','Stability in assets under management and held in custody for clients.','Source: Interim Report 2011, chapter Asset management, page 27','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1003,1013],[1003,1014],[1004,1018],[1005,1023],[1005,1024],[1005,1026],[1005,1027],[1007,1043],[1007,1047],[1008,1062],[1008,1063],[1008,1064],[1009,1066],[1009,1067]],'',''],[1616,'New strategy prompting organisational changes at Robeco','Robeco defined its strategy for the period 2010-2014 in 2010.','Source: Interim Report 2011, chapter Asset management, page 27','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1003,1012],[1004,1018],[1007,1047],[1008,1062],[1009,1066]],'',''],[1617,'Rabobank Private Banking and Schretlen & Co','Collaborative ties between Rabobank Private Banking and Schretlen & Co have been substantially strengthened over the past period.','Source: Interim Report 2011, chapter Asset management, page 27','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1002,1010],[1003,1012],[1003,1013],[1004,1018],[1007,1047],[1008,1064],[1009,1066]],'',''],[1618,'Targeted investments in growth initiatives at Sarasin','Sarasin continues to reap the benefits of the broad geographical spread of its operations across global growth markets.','Source: Interim Report 2011, chapter Asset management, page 28','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1003,1012],[1003,1013],[1004,1018],[1007,1047],[1008,1063]],'',''],[1619,'Robeco and Sarasin investment funds: positive returns despite mixed picture at stock exchange','Many stock exchanges dropped slightly in the first half of 2011 and bond yields showed a moderately positive picture on average despite the public debt crisis.','Source: Interim Report 2011, chapter Asset management, page 28','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1004,1018],[1005,1024],[1005,1026],[1005,1027],[1007,1047],[1008,1062],[1008,1063],[1009,1066]],'',''],[1620,'Integrating responsible investments into Rabobank Group service offering','Rabobank, Robeco, Bank Sarasin and Schretlen & Co have taken important steps over the past two years towards achieving two joint objectives: aligning their investment services to the UN Principles for Responsible Investment and integrating responsible investment practices across the full investment product offering.','Source: Interim Report 2011, chapter Asset management, page 28','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1009],[1004,1018],[1005,1026],[1006,1031],[1006,1033],[1006,1036],[1006,1078],[1008,1062],[1008,1063],[1008,1064],[1009,1066]],'',''],[1621,'Robeco’s responsible investment practices','In the reporting period, Robeco continued on the chosen path where responsible investments were concerned.','Source: Interim Report 2011, chapter Asset management, page 28','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1009],[1002,1011],[1004,1018],[1005,1024],[1006,1031],[1006,1033],[1006,1036],[1006,1078],[1008,1062],[1009,1066],[1009,1068]],'',''],[1622,'Robeco actively involved in dialogue with businesses and exercising voting rights','Robeco introduced new topics to include in the active dialogue with businesses and to vote on in shareholders’ meetings.','Source: Interim Report 2011, chapter Asset management, page 29','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1009],[1004,1018],[1006,1031],[1006,1033],[1006,1034],[1006,1036],[1006,1078],[1008,1062],[1009,1066]],'',''],[1623,'Boost in Sarasin’s reputation for sustainable and responsible asset management','With a market share of 27%, Bank Sarasin is the market leader in sustainable asset management in Switzerland. In 2011, it was awarded the title of Best Cross-Regional Sustainable Bank of the Year in the Sustainable Finance Awards 2011 of the Financial Times and the International Finance Corporation.','Source: Interim Report 2011, chapter Asset management, page 29','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1009],[1004,1018],[1006,1031],[1006,1033],[1006,1036],[1006,1078],[1007,1043],[1008,1063],[1009,1066],[1009,1067]],'',''],[1624,'Stability in assets under management','Positive cash flows, currency losses and negative investment returns more or less balanced out to keep assets managed and held in custody for clients virtually stable at EUR 269.4 (270.4) billion in the first half of 2011. ','Source: Interim Report 2011, chapter Asset management, page 29','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1004,1018],[1005,1023],[1007,1047],[1008,1062],[1008,1063],[1008,1064],[1009,1066],[1009,1067]],'',''],[1625,'Financial results of asset management','Financial results of asset management (table).','Source: Interim Report 2011, chapter Asset management, page 30','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1004,1018],[1005,1022],[1005,1023],[1005,1024],[1005,1025],[1005,1026],[1005,1027],[1007,1047],[1008,1048],[1008,1062],[1008,1063],[1008,1064],[1009,1068]],'',''],[1626,'Notes to financial results of asset management','Income up 46%. Operating expenses up 11%.','Source: Interim Report 2011, chapter Asset management, page 30','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1004,1018],[1005,1023],[1005,1024],[1005,1025],[1005,1026],[1005,1027],[1007,1047],[1008,1048],[1008,1062],[1008,1063],[1008,1064],[1009,1066]],'',''],[1627,'Leasing','Strong increase in net profit thanks to higher interest income and lower bad debt costs.\nIn the first half of 2011, higher interest income and lower bad debt costs fuelled a EUR 53 million increase in net profit at De Lage Landen to EUR 154 million. ','Source: Interim Report 2011, chapter Leasing, page 31','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1003,1013],[1004,1020],[1005,1023],[1005,1024],[1005,1026],[1005,1027],[1007,1047],[1008,1055],[1009,1066],[1009,1067]],'',''],[1628,'Vendor Finance well on course','De Lage Landen’s Vendor Finance division is well on course towards developing its plans.','Source: Interim Report 2011, chapter Leasing, page 31','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1003,1012],[1004,1020],[1007,1047],[1008,1055],[1009,1066]],'',''],[1629,'Acquisition of Achmea consumer credits','In the first half of 2011, De Lage Landen acquired a consumer credit portfolio containing several Achmea labels.','Source: Interim Report 2011, chapter Leasing, page 31','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1003,1013],[1004,1020],[1004,1021],[1004,1074],[1005,1023],[1007,1047],[1008,1055],[1009,1066]],'',''],[1630,'Third Service Centre for Athlon','Athlon Car Lease, an international provider of operating leases for cars with activities in nine European countries, is a division of De Lage Landen.','Source: Interim Report 2011, chapter Leasing, page 32','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1003,1013],[1004,1020],[1007,1047],[1008,1055],[1009,1066]],'',''],[1631,'Four-pillar CSR strategy at De Lage Landen','De Lage Landen’s CSR strategy has four spearheads: sustainable and innovative leasing solutions, ethical and responsible business practices, eco-efficiency, and community involvement.','Source: Interim Report 2011, chapter Leasing, page 32','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1009],[1003,1012],[1004,1020],[1006,1031],[1006,1037],[1006,1078],[1007,1047],[1008,1055],[1009,1066]],'',''],[1632,'Developing sustainable and innovative solutions','De Lage Landen subjected its portfolio of financed clients to a sustainability review.','Source: Interim Report 2011, chapter Leasing, page 32','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1009],[1003,1013],[1004,1020],[1006,1031],[1006,1033],[1006,1037],[1006,1078],[1007,1047],[1008,1055],[1009,1066]],'',''],[1633,'Community involvement through sponsoring','De Lage Landen will again be sponsoring the Eindhoven Marathon for the next five years and plans to develop its sponsoring into a partnership between both parties so as to make the Eindhoven Marathon a grand event with record-breaking performances.','Source: Interim Report 2011, chapter Leasing, page 32','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1009],[1004,1020],[1006,1039],[1007,1047],[1008,1055],[1009,1066]],'',''],[1634,'Moderate growth in lending','On a global level, De Lage Landen endeavours to further increase the share of food and agri in its portfolio. This underpins Rabobank Group’s international strategy.','Source: Interim Report 2011, chapter Leasing, page 32','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1002,1011],[1003,1014],[1004,1020],[1004,1074],[1005,1023],[1005,1024],[1007,1047],[1008,1055],[1009,1066],[1009,1067]],'',''],[1635,'Financial results of leasing','Financial results of leasing (table).','Source: Interim Report 2011, chapter Leasing, page 33','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1004,1020],[1005,1022],[1005,1023],[1005,1024],[1005,1025],[1005,1026],[1005,1027],[1007,1047],[1008,1055],[1009,1068]],'',''],[1636,'Notes to financial results of leasing','Income up 13%. Operating expenses up 24%. Bad debt costs at 44 basis points. Stability in external capital requirement.','Source: Interim Report 2011, chapter Leasing, page 34','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1004,1020],[1005,1023],[1005,1024],[1005,1025],[1005,1027],[1007,1047],[1008,1055],[1009,1066]],'',''],[1637,'Real estate','Increase in residential property transactions, lending and managed assets.\nDespite the continually poor market for Rabo Real Estate Group, Bouwfonds Property Development managed to achieve 9% growth in the number of homes sold to 3,567.','Source: Interim Report 2011, chapter Real estate, page 35','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1003,1013],[1003,1014],[1004,1019],[1005,1023],[1005,1024],[1005,1026],[1005,1027],[1006,1039],[1007,1047],[1008,1051],[1009,1066],[1009,1067]],'',''],[1638,'Hearings in Klimop case','In the spring of 2011, the first hearings were held in the criminal proceedings against a network suspected by the Public Prosecutor of large-scale property fraud at the legacy Bouwfonds organisation and the Philips Pension Fund.','Source: Interim Report 2011, chapter Real estate, page 35','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1002,1009],[1003,1013],[1004,1019],[1006,1032],[1007,1047],[1008,1051],[1009,1066]],'',''],[1639,'Dutch Central Bank policy rule incorporated into integrity procedure','In the spring of 2011, the Dutch Central Bank (DNB) published the Policy Rule on Integrity in Commercial Real Estate Operations.','Source: Interim Report 2011, chapter Real estate, page 35','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1004,1019],[1007,1047],[1008,1051],[1009,1066]],'',''],[1640,'Group-wide principles for sustainable building','In addition to integrity in business, responsible business practices and community involvement, sustainable building is one of the four building blocks of Rabo Real Estate Group’s CSR Statute.','Source: Interim Report 2011, chapter Real estate, page 36','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1009],[1003,1013],[1004,1019],[1006,1031],[1006,1033],[1006,1037],[1006,1078],[1007,1047],[1008,1051],[1009,1066]],'',''],[1641,'Increase in residential property transactions at Bouwfonds Property Development','Bouwfonds Property Development sold 3,567 (3,280) homes in the first half of 2011, which corresponds to a 9% increase on the same period in 2010.','Source: Interim Report 2011, chapter Real estate, page 36','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1003,1013],[1004,1019],[1007,1047],[1008,1051],[1009,1066],[1009,1067]],'',''],[1642,'Drop in construction of commercial real estate at MAB Development','MAB Development developed commercial properties for an amount of EUR 126 (131) million in the first half of 2011.','Source: Interim Report 2011, chapter Real estate, page 36','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1003,1013],[1004,1019],[1005,1024],[1007,1047],[1008,1051],[1009,1066]],'',''],[1643,'Limited increase in lending at FGH Bank','There were no material changes in the commercial real estate market in the period under review compared with the first half of 2010.','Source: Interim Report 2011, chapter Real estate, page 37','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1004,1019],[1004,1074],[1005,1023],[1007,1047],[1008,1051],[1009,1066],[1009,1067]],'',''],[1644,'Limited increase in assets managed by Bouwfonds REIM','As investors continued to be hesitant to invest in unlisted property funds, Bouwfonds REIM introduced only few new funds in the first half of 2011.','Source: Interim Report 2011, chapter Real estate, page 37','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1004,1019],[1005,1023],[1005,1024],[1005,1026],[1007,1047],[1008,1051],[1009,1066]],'',''],[1645,'Financial results of real estate','Financial results of real estate (table).','Source: Interim Report 2011, chapter Real estate, page 37','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1003,1013],[1003,1014],[1004,1019],[1005,1022],[1005,1023],[1005,1024],[1005,1026],[1005,1027],[1007,1047],[1008,1051],[1009,1068]],'',''],[1646,'Notes to financial results of real estate','Income up 18%. Operating expenses up 7%. Bad debt costs at 49 basis points.','Source: Interim Report 2011, chapter Real estate, page 38','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1004,1019],[1005,1023],[1005,1024],[1005,1025],[1005,1026],[1007,1047],[1008,1051],[1009,1066]],'',''],[1647,'Risk management','Rabobank Group pursues a prudent risk policy aimed at maintaining a moderate risk profile.','Source: Interim Report 2011, chapter Risk management, page 39','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1003,1012],[1003,1013],[1005,1023],[1005,1024],[1005,1025],[1009,1066]],'',''],[1648,'Stress testing','Stress tests form an essential part of the risk management framework.','Source: Interim Report 2011, chapter Risk management, page 39','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1025],[1007,1042],[1009,1066]],'',''],[1649,'Credit risk','Credit risk management at Rabobank Group is robust and organised so as to ensure an acceptable risk profile even in less favourable economic circumstances.','Source: Interim Report 2011, chapter Risk management, page 39','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1002,1010],[1004,1017],[1004,1074],[1005,1023],[1005,1024],[1005,1025],[1007,1042],[1009,1066]],'',''],[1650,'Allowance for loan losses','The economic recovery will continue into 2011, and growth in the Netherlands will be around a moderate 2%.','Source: Interim Report 2011, chapter Risk management, page 40','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1002,1010],[1004,1017],[1004,1018],[1004,1019],[1004,1020],[1004,1074],[1005,1025],[1007,1042],[1009,1066],[1009,1068]],'',''],[1651,'Sovereigns','In its investment and trading portfolios, Rabobank Group has very only limited exposure to European government bonds.','Source: Interim Report 2011, chapter Risk management, page 40','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1023],[1005,1024],[1005,1025],[1009,1066],[1009,1068]],'',''],[1652,'Structured credit','Structured credit exposure in the trading and investment portfolios at 30 June 2011 stood at EUR 5.1 (5.8) billion.','Source: Interim Report 2011, chapter Risk management, page 41','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1023],[1005,1024],[1005,1025],[1009,1066],[1009,1067]],'',''],[1653,'Funding and liquidity risk','Rabobank Group manages its funding and liquidity risk by strictly limiting outgoing cash flows within the wholesale banking business, by maintaining a large liquidity buffer and by raising sufficient long-term funding in the international capital market.','Source: Interim Report 2011, chapter Risk management, page 41','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1023],[1005,1025],[1005,1077],[1009,1066]],'',''],[1654,'Disclosures as required by Section 5:25d of the Dutch Financial Supervision Act','This interim report includes not only a summary of key events in the first six months of 2011, including any related effects on the interim financial statements, but also contains a description of the principal risks and uncertainties in the remaining six months of 2011.','Source: Interim Report 2011, chapter Risk management, page 42','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1003,1015],[1005,1025],[1009,1066]],'',''],[1655,'Principal risks and uncertainties in the six months ahead','Rabobank Group expects to see moderate growth in lending and amounts due to customers in the second half of 2011.','Source: Interim Report 2011, chapter Risk management, page 42','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1003,1015],[1005,1025],[1009,1066]],'',''],[1656,'Working together towards a sustainable future','Rabobank Group places high demands on its service provision and its corporate social responsibility (CSR) policy.','Source: Interim Report 2011, chapter Working together towards a sustainable future, page 43','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1009],[1002,1010],[1003,1012],[1003,1014],[1006,1031],[1009,1066]],'',''],[1657,'Strategy based on central CSR themes and objectives','Pursuing a sound CSR policy forms part of the Rabobank Group’s strategy.','Source: Interim Report 2011, chapter Working together towards a sustainable future, page 43','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1009],[1003,1012],[1006,1031],[1006,1033],[1006,1035],[1006,1037],[1006,1038],[1006,1078],[1006,1039],[1009,1066]],'',''],[1658,'Integration of CSR into core business','In 2010, the CSR KPIs were transposed by the various entities of Rabobank Group into performance indicators.','Source: Interim Report 2011, chapter Working together towards a sustainable future, page 44','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1009],[1003,1012],[1004,1018],[1004,1019],[1004,1020],[1006,1031],[1006,1032],[1006,1078],[1007,1047],[1009,1066]],'',''],[1659,'Rabobank in dialogue on animal welfare and the weapons industry','In the period under review, policies were developed on how to deal with biodiversity.','Source: Interim Report 2011, chapter Working together towards a sustainable future, page 44','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1009],[1003,1012],[1006,1034],[1006,1036],[1009,1066]],'',''],[1660,'Partnership agreement with WWF','In March this year, Rabobank and the World Wildlife Fund (WWF) signed a four-year global partnership agreement.','Source: Interim Report 2011, chapter Working together towards a sustainable future, page 44','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1009],[1003,1012],[1006,1033],[1006,1034],[1009,1066]],'',''],[1661,'Reducing the bank’s climate footprint','Efforts towards frugal and efficient use of energy and a reduction in our impact on the climate are visible in all aspects of our operations.','Source: Interim Report 2011, chapter Working together towards a sustainable future, page 44','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1009],[1003,1012],[1006,1033],[1006,1037],[1006,1078],[1009,1066]],'',''],[1662,'Greener working, greener living','In 2011, the Work and Sustainability study into ways of making Rabobank’s human resources policies more sustainable was completed.','Source: Interim Report 2011, chapter Working together towards a sustainable future, page 45','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1009],[1006,1031],[1006,1033],[1006,1037],[1006,1078],[1009,1066]],'',''],[1663,'Responsible procurement','Rabobank discussed sustainability in the procurement process with its suppliers. In this connection, Rabobank was one of the initiators of the FIRA Rating System, which tells procurement officers about the CSR profile of suppliers.','Source: Interim Report 2011, chapter Working together towards a sustainable future, page 45','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1009],[1006,1031],[1006,1033],[1006,1036],[1006,1037],[1006,1078],[1007,1047],[1008,1049],[1009,1066]],'',''],[1664,'Condensed statement of financial position','Total assets in millions of euros: 664,953.','Source: Interim Report 2011, chapter Interim financial information, page 46','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1022],[1005,1023],[1009,1068]],'',''],[1665,'Condensed consolidated statement of income','Net profit in millions of euros: 1,854.','Source: Interim Report 2011, chapter Interim financial information, page 48','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1022],[1005,1024],[1009,1068]],'',''],[1666,'Consolidated statement of comprehensive income','Total comprehensive income in millions of euros: 1,614.','Source: Interim Report 2011, chapter Interim financial information, page 49','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1024],[1009,1068]],'',''],[1667,'Condensed consolidated statement of changes in equity','Total equity in millions of euros: 42,513.','Source: Interim Report 2011, chapter Interim financial information, page 50','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1024],[1005,1026],[1005,1027],[1009,1068],[1001,1005]],'',''],[1668,'Condensed consolidated statement of cash flows','Cash and cash equivalents in millions of euros:  26,088.','Source: Interim Report 2011, chapter Interim financial information, page 50','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1024],[1009,1068]],'',''],[1669,'Notes to the interim financial information','The consolidated interim financial information of Rabobank Group has been prepared in accordance with International Financial Reporting Standards as adopted by the European Union, and is presented in conformity with IAS 34 Interim Financial Reporting.','Source: Interim Report 2011, chapter Notes to the interim financial information, page 51','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1029],[1009,1066]],'',''],[1670,'Accounting policies','Taking due account of the new and amended IFRSs, the significant accounting policies used in preparing the consolidated 2010 financial statements and the present interim financial information have been summarised below.','Source: Interim Report 2011, chapter Notes to the interim financial information, page 51','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1671,'New and amended IFRSs','In 2011, Rabobank applied Interpretation IFRIC 19, amended Interpretation IFRIC 14, as well as amended Standards IAS 24 and IAS 32.','Source: Interim Report 2011, chapter Notes to the interim financial information, page 51','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1672,'Changes in accounting policies and presentation','The disclosure below was also presented in the consolidated financial statements for 2010.','Source: Interim Report 2011, chapter Notes to the interim financial information, page 52','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1673,'Judgments and estimates','The preparation of the interim financial statements requires management to make estimates and assumptions that affect the amounts reported for assets and liabilities, the reporting of contingent assets and liabilities at the date of the interim financial statements, as well as the amounts reported for income and expenses during the reporting period.','Source: Interim Report 2011, chapter Notes to the interim financial information, page 53','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1674,'Group interim financial statements','Subsidiaries','Source: Interim Report 2011, chapter Notes to the interim financial information, page 53','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1675,'Derivative financial instruments and hedging','Derivative financial instruments generally comprise foreign exchange contracts, currency and interest rate futures, forward rate agreements, currency and interest rate swaps, and currency and interest rate options (written as well as acquired).','Source: Interim Report 2011, chapter Notes to the interim financial information, page 54','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1676,'Trade liabilities and other liabilities at fair value through profit or loss','Trade liabilities are mainly negative fair values of derivative financial instruments and delivery obligations arising on short selling of securities.','Source: Interim Report 2011, chapter Notes to the interim financial information, page 55','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1677,'Trading financial assets','Trading financial assets are acquired to realise gains from short-term fluctuations in the prices or margins of traders, or form part of a portfolio that regularly generates short-term gains.','Source: Interim Report 2011, chapter Notes to the interim financial information, page 55','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1678,'Other financial assets and liabilities at fair value through profit or loss','Rabobank has opted to classify financial instruments not acquired or entered into for realising gains from short-term fluctuations in traders’ prices or margins at fair value through profit or loss.','Source: Interim Report 2011, chapter Notes to the interim financial information, page 55','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1679,'Day 1 profit','Discrepancies between the transaction price and fair value may arise if valuation techniques are applied at the time of the transaction.','Source: Interim Report 2011, chapter Notes to the interim financial information, page 55','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1680,'Available-for-sale financial assets','Available-for-sale financial assets are initially recognised at fair value based on quoted bid prices or values derived from cash flow models. ','Source: Interim Report 2011, chapter Notes to the interim financial information, page 56','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1681,'Held-to-maturity financial assets','Financial assets with fixed terms and cash flows are classified as held-to-maturity financial assets, provided management intends to keep them for their full terms and is in a position to do so.','Source: Interim Report 2011, chapter Notes to the interim financial information, page 56','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1682,'Repurchase agreements and reverse repurchase agreements','Financial assets that are sold subject to related sale and repurchase agreements are included in the financial statements under ‘Trading financial assets’ or ‘Available-for-sale financial assets’.','Source: Interim Report 2011, chapter Notes to the interim financial information, page 56','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1683,'Securitisations and other derecognition constructions','Rabobank securitises, sells and carries various financial assets.','Source: Interim Report 2011, chapter Notes to the interim financial information, page 57','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1684,'Cash and cash equivalents','Financial assets and liabilities are set off and the net amount is transferred to the statement of financial position if a legal right to set off the recognised amounts exists.','Source: Interim Report 2011, chapter Notes to the interim financial information, page 57','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1685,'Netting of financial assets and liabilities','Financial assets and liabilities are set off and the net amount is transferred to the statement of financial position if a legal right to set off the recognised amounts exists.','Source: Interim Report 2011, chapter Notes to the interim financial information, page 57','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1686,'Foreign currencies','The consolidated  interim financial statements are presented in euros, which is the parent company’s functional currency.','Source: Interim Report 2011, chapter Notes to the interim financial information, page 57','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1687,'Interest','Interest income and expense for all interest-bearing instruments is recognised in profit or loss on an accrual basis, with the effective interest method being applied.','Source: Interim Report 2011, chapter Notes to the interim financial information, page 58','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1688,'Commission','Income from asset management activities consists mainly of unit trust, fund management commission and administration.','Source: Interim Report 2011, chapter Notes to the interim financial information, page 58','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1689,'Loans to customers and Due from other banks','Loans to customers and due from other banks are non-derivative financial instruments with fixed or defined payments, not listed on an active market.','Source: Interim Report 2011, chapter Notes to the interim financial information, page 58','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1690,'Intangible assets','Goodwill is the amount by which the acquisition price paid for a subsidiary or associate exceeds the fair value on the acquisition date of Rabobank’s share of the net assets','Source: Interim Report 2011, chapter Notes to the interim financial information, page 59','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1691,'Property and equipment','Equipment (for own use) is recognised at historical cost net of accumulated depreciation and impairments if applicable.','Source: Interim Report 2011, chapter Notes to the interim financial information, page 60','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1028],[1005,1029],[1009,1066],[1009,1068]],'',''],[1692,'Investment properties','Investment properties, mainly office buildings, are held for their long-term rental income and are not used by Rabobank or its subsidiaries.','Source: Interim Report 2011, chapter Notes to the interim financial information, page 60','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1693,'Work in progress','Work in progress is included in ‘Other assets’.','Source: Interim Report 2011, chapter Notes to the interim financial information, page 61','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1694,'Leasing','Leases relating to property and equipment under which virtually all risks and benefits of ownership are transferred to Rabobank are classified as finance leases.','Source: Interim Report 2011, chapter Notes to the interim financial information, page 61','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1695,'Provisions','Provisions are recognised if Rabobank has a present obligation (legal or constructive) as a result of a past event, if it is probable that an outflow of resources will be required to settle the obligation and if a reliable estimate can be made of the amount of the obligation.','Source: Interim Report 2011, chapter Notes to the interim financial information, page 61','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1696,'Employee benefits','Rabobank has various pension plans in place based on the local conditions and practices of the countries in which it operates.','Source: Interim Report 2011, chapter Notes to the interim financial information, page 62','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1697,'Tax','Current tax receivables and payables are set off if there is a legally enforceable right to set off such items and if simultaneous treatment or settlement is intended.','Source: Interim Report 2011, chapter Notes to the interim financial information, page 62','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1698,'Due to other banks, due to customers and debt securities in issue','These borrowings are initially recognised at fair value, i.e. the issue price less directly attributable and non-recurring transaction costs.','Source: Interim Report 2011, chapter Notes to the interim financial information, page 63','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1699,'Rabobank Member Certificates','These are the certificates for shares in the capital of Rabobank Ledencertificaten N.','Source: Interim Report 2011, chapter Notes to the interim financial information, page 63','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1700,'Trust Preferred Securities and Capital Securities','Trust Preferred Securities are classified as financial liabilities and included under ‘Subordinated debt’.','Source: Interim Report 2011, chapter Notes to the interim financial information, page 63','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1701,'Financial guarantees','Financial guarantees are measured at fair value.','Source: Interim Report 2011, chapter Notes to the interim financial information, page 63','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1702,'Segment information','A segment is a distinguishable component of Rabobank that engages in providing products or services and is subject to risks and returns that are different from those of other segments.','Source: Interim Report 2011, chapter Notes to the interim financial information, page 64','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1703,'Statement of cash flows','Cash and cash equivalents comprises cash resources, money market deposits and deposits at central banks.','Source: Interim Report 2011, chapter Notes to the interim financial information, page 64','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1704,'Capital Securities issue in first half of 2011','Rabobank Nederland issued USD 2 billion in Capital Securities in the first six months of 2011.','Source: Interim Report 2011, chapter Notes to the interim financial information, page 64','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1705,'Planned exchange of Rabobank Member Certificates','In October 2011, the Rabobank Member Certificates are expected to be exchanged.','Source: Interim Report 2011, chapter Notes to the interim financial information, page 64','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1706,'Disclosures required under IAS 34.15, 15B and 16A','Besides the issue of Capital Securities referred to above and the planned exchange of Rabo Member Certificates, no significant events and transactions occurred in the first six months of 2011.','Source: Interim Report 2011, chapter Notes to the interim financial information, page 65','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1707,'Notes to the primary financial statements','These notes contain the condensed consolidated statement of income, consolidated statement of comprehensive income, condensed consolidated statement of changes in equity and the condensed consolidated statement of cash flows.','Source: Interim Report 2011, chapter Notes to the interim financial information, page 65','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1708,'Business segments','The business segments Rabobank uses in its reporting are defined from a management viewpoint.','Source: Interim Report 2011, chapter Notes to the interim financial information, page 66','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1022],[1005,1023],[1005,1024],[1005,1027],[1005,1029],[1009,1066]],'',''],[1709,'Business segments (results)','Total assets in millions of euros: 664,953. Total liabilities in millions of euros: 622,440.','Source: Interim Report 2011, chapter Notes to the interim financial information, page 67','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1022],[1005,1023],[1005,1024],[1005,1027],[1005,1029],[1009,1068],[1001,1005]],'',''],[1710,'Review report','Review Report Ernst & Young LLP.','Source: Interim Report 2011, chapter Statements, page 68','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1029],[1009,1066]],'',''],[1711,'Executive Board responsibility statement','The Executive Board of Rabobank Nederland declares that the interim financial information and the interim report give a true and fair view.','Source: Interim Report 2011, chapter Statements, page 69','mj',1,0,[[1000,1000],[1000,1001],[1010,1081],[1002,1008],[1005,1029],[1009,1066]],'',''],[1065,'Chairman’s foreword','2010 saw a fragile economic recovery. Following the deep recession of 2009, the Dutch economy started to grow again in 2010, albeit very slowly.','Source: Annual Report 2010, chapter Chairman\'s foreword, page 2','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1002,1009],[1002,1010],[1003,1012],[1003,1013],[1003,1014],[1003,1015],[1005,1024],[1007,1042],[1009,1066],[1009,1069]],'',''],[1066,'Key figures','141 local Rabobanks. 911 foreign places of business. 1.8 million members. Total assets: 652,536 millions. Net profit : 2,772 millions. Tier-1 ratio: 15,7%.','Source: Annual Report 2010, chapter Key figures, page 4','aj',1,0,[[1000,1000],[1001,1005],[1000,1001],[1010,1072],[1002,1008],[1002,1009],[1005,1022],[1006,1030],[1009,1068]],'',''],[1067,'Key figures graphs','Loan portfolio, amounts due to customers, net profit, return on equity, tier 1 ratio (graphs).','Source: Annual Report 2010, chapter Key figures, page 4','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1005,1022],[1009,1067]],'',''],[1068,'Profile of Rabobank Group','Rabobank Group is an international financial services provider operating on the basis of cooperative principles.','Source: Annual Report 2010, chapter Profile of Rabobank Group, page 6','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1007,1046],[1007,1047],[1008,1048],[1008,1049],[1008,1050],[1008,1070],[1008,1071],[1009,1066]],'',''],[1069,'Rabobank Group Organisation chart','Organisation chart of the Rabobank Group.','Source: Annual Report 2010, chapter Profile of Rabobank Group, page 7','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1010],[1007,1040],[1007,1046],[1007,1047],[1008,1048],[1008,1049],[1008,1050],[1008,1070],[1008,1071],[1008,1051],[1008,1052],[1008,1053],[1008,1055],[1008,1056],[1008,1079],[1008,1057],[1008,1058],[1008,1059],[1008,1060],[1008,1061],[1008,1062],[1009,1067]],'',''],[1070,'Rabobank Group global presence','With Rabobank and its subsidiaries, Rabobank Group operates in 48 countries, including the Netherlands. Rabobank International has a presence in 30 countries, boasting 593 foreign places of business.','Source: Annual Report 2010, chapter Rabobank Group global presence, page 8','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1007,1046],[1007,1047],[1008,1048],[1008,1049],[1008,1050],[1008,1070],[1008,1071],[1008,1051],[1008,1052],[1008,1053],[1008,1055],[1008,1056],[1008,1079],[1008,1059],[1008,1060],[1008,1061],[1008,1062],[1009,1067],[1008,1063],[1008,1064],[1001,1005],[1000,1002]],'',''],[1071,'Strategy','Rabobank Group’s objectives and strategy are set out in the Strategic Framework. The updated Strategic Framework for the period 2009-2012 was adopted by the Central Delegates Assembly in 2009.','Source: Annual Report 2010, chapter Strategy, page 10','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1002,1010],[1002,1011],[1003,1012],[1003,1013],[1003,1014],[1003,1015],[1009,1066]],'',''],[1072,'Strategic starting points','Since its foundation in 1898, Rabobank Group has grown from a collection of small rural cooperative banks into the leading provider of all-finance services in the Netherlands and one of the top international food and agri banks.','Source: Annual Report 2010, chapter Strategy, page 10','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1002,1009],[1002,1010],[1002,1011],[1003,1012],[1003,1014],[1007,1040],[1009,1066]],'',''],[1073,'Guidelines and service provision principles','The principles of the CSR policy have been formalised in the Rabobank Group Code of Conduct, which defines sustainability as one of the core values.','Source: Annual Report 2010, chapter Strategy, page 11','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1002,1010],[1003,1012],[1003,1014],[1006,1033],[1009,1066],[1000,1002]],'',''],[1074,'Four central CSR themes','Pursuing a sound Corporate Social Responsibility policy is a strategic choice for Rabobank Group.','Source: Annual Report 2010, chapter Strategy, page 11','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1003,1012],[1003,1014],[1004,1018],[1006,1033],[1006,1035],[1006,1038],[1006,1039],[1007,1043],[1009,1066],[1000,1002]],'',''],[1075,'Key performance indicators for CSR','In 2009, Rabobank Group formulated the following four key performance indicators relating to CSR.','Source: Annual Report 2010, chapter Strategy, page 12','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1003,1014],[1006,1031],[1006,1033],[1006,1035],[1006,1038],[1006,1039],[1009,1066],[1000,1002]],'',''],[1076,'Organisation and management of CSR','Pertinent action was taken in the year under review by having the management communicate the importance of CSR and developing key performance indicators for CSR linked to the CSR central themes.','Source: Annual Report 2010, chapter Strategy, page 12','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1008,1049],[1009,1066],[1000,1002]],'',''],[1077,'Decisions made when updating strategy','Greater focus on funding, greater emphasis on corporate market, better customer service, reduced costs, internationaal: focus op food en agri, greater focus at subsidiaries and employees make the difference.','Source: Annual Report 2010, chapter Strategy, page 12','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1002,1010],[1002,1011],[1003,1012],[1003,1013],[1003,1014],[1003,1015],[1005,1077],[1007,1045],[1009,1066]],'',''],[1078,'Focusing on the customer','Rabobank’s Customer Care programme was launched in an effort to improve services further, thus helping to serve the interests of clients.','Source: Annual Report 2010, chapter Focusing on the customer, page 14','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1002,1010],[1006,1032],[1007,1043],[1009,1066],[1009,1067]],'',''],[1079,'Good products','Rabobank strives to only develop and sell products and services that meet the requirements and needs of clients.','Source: Annual Report 2010, chapter Focusing on the customer, page 14','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1002,1010],[1006,1032],[1007,1043],[1009,1066]],'',''],[1080,'Appropriate advice','At Rabobank, we want to tailor our services as much as possible to the knowledge, experience, financial position, objective and risk appetite of our clients.','Source: Annual Report 2010, chapter Focusing on the customer, page 15','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1002,1010],[1006,1032],[1007,1043],[1009,1066]],'',''],[1081,'Good service','Rabobank does its best to provide good services that meet the needs of clients. Rabobank is keen on working with clients on finding solutions for complains. Rabobank had adjusted its procedures in respect to the complains of the AFM.','Source: Annual Report 2010, chapter Focusing on the customer, page 15','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1002,1010],[1006,1032],[1007,1043],[1009,1066]],'',''],[1082,'Balanced advisory model','With regard to charges and fees for services provided to clients, Rabobank aims to charge amounts that are appropriate to the service provided.','Source: Annual Report 2010, chapter Focusing on the customer, page 16','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1002,1010],[1006,1032],[1007,1043],[1009,1066]],'',''],[1083,'Secure banking','Rabobank gives high priority to the safety, security and privacy of clients and employees. Rabobank pays constant attention to cyber crime and skimming. And measures are also being taken to prevent blowing open ATMs.','Source: Annual Report 2010, chapter Focusing on the customer, page 16','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1002,1010],[1006,1032],[1007,1043],[1009,1066],[1000,1002]],'',''],[1084,'Financial developments','Recovery of earnings leads to further improvement in capital ratios. Group financial targets achieved.','Source: Annual Report 2010, chapter Financial developments, page 18','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1002,1010],[1003,1013],[1003,1014],[1005,1023],[1005,1024],[1005,1026],[1009,1066],[1009,1068]],'',''],[1085,'Increase in lending at local Rabobanks in particular','Rabobank Group’s private sector loan portfolio saw a moderate increase in 2010 as a result of the moderate economic recovery. ','Source: Annual Report 2010, chapter Financial developments, page 18','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1002,1010],[1002,1011],[1003,1013],[1004,1017],[1004,1074],[1005,1023],[1005,1024],[1005,1025],[1008,1048],[1008,1050],[1008,1051],[1009,1066],[1009,1067],[1008,1059]],'',''],[1086,'Increase in amounts due to customers','Amounts due to customers saw a 4% increase at Rabobank Group in 2010, rising to EUR 298.8 billion.','Source: Annual Report 2010, chapter Financial developments, page 19','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1003,1013],[1004,1016],[1005,1023],[1005,1026],[1008,1048],[1008,1050],[1009,1066],[1009,1067]],'',''],[1087,'Increase in equity due to retained earnings','Rabobank Group’s equity was up 8% in 2010, rising to EUR 40.8 billion. This was due in particular to retained earnings for 2010.','Source: Annual Report 2010, chapter Financial developments, page 20','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1005,1023],[1005,1026],[1009,1066],[1009,1067]],'',''],[1088,'Rabobank and Eureko strengthen ties','The commercial alliance between Rabobank and Eureko, insurer Achmea’s parent company, has been strengthened.','Source: Annual Report 2010, chapter Financial developments, page 20','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1004,1074],[1005,1023],[1008,1049],[1008,1056],[1009,1066],[1000,1002]],'',''],[1089,'External capital requirement','Rabobank Group’s external capital requirement amounted to EUR 17.6 billion at year-end 2010.\n\n','Source: Annual Report 2010, chapter Financial developments, page 20','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1005,1023],[1005,1025],[1005,1026],[1009,1066],[1009,1067]],'',''],[1090,'Economic capital as an internal capital requirement','Over and above the external capital requirement, Rabobank Group uses an internal capital requirement based on an economic capital framework.','Source: Annual Report 2010, chapter Financial developments, page 21','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1005,1023],[1005,1025],[1005,1026],[1009,1066],[1009,1067],[1009,1068]],'',''],[1091,'Financial results of Rabobank Group','Financial results of Rabobank Group (table).','Source: Annual Report 2010, chapter Financial developments, page 22','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1005,1022],[1005,1023],[1005,1024],[1005,1025],[1005,1026],[1005,1027],[1009,1068]],'',''],[1092,'Notes to the financial results of Rabobank Group','Income up 2%. Operating expenses up 2%. Bad debt costs at 29 basis points. Net profit at EUR 2,772 million. RAROC at 12.5%.','Source: Annual Report 2010, chapter Financial developments, page 22','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1005,1023],[1005,1024],[1005,1025],[1005,1026],[1005,1027],[1009,1066]],'',''],[1093,'Domestic retail banking','The Dutch economy recovered in 2010, bringing about an improvement in outlook for our clients.','Source: Annual Report 2010, chapter Domestic retail banking, page 24','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1002,1009],[1002,1010],[1002,1011],[1003,1012],[1003,1013],[1003,1014],[1004,1016],[1004,1017],[1005,1023],[1005,1024],[1005,1025],[1005,1026],[1007,1047],[1008,1048],[1009,1066],[1009,1067],[1008,1059],[1000,1002]],'',''],[1094,'Strategy for domestic retail banking','Rabobank Group’s ambition is to achieve financial market leadership in all segments of the Dutch market.','Source: Annual Report 2010, chapter Domestic retail banking, page 24','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1002,1010],[1002,1011],[1003,1012],[1003,1014],[1008,1048],[1008,1056],[1008,1079],[1009,1066],[1009,1067],[1000,1002]],'',''],[1095,'Moderate economic recovery','The year 2010 was characterised by moderate economic recovery.','Source: Annual Report 2010, chapter Domestic retail banking, page 25','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1002,1010],[1003,1013],[1004,1074],[1008,1048],[1009,1066],[1000,1002]],'',''],[1096,'Near stability in corporate and mortgage markets','Rabobank Group occupies a leading position in several segments of the Dutch market, i.e. the mortgage market, the savings market, the trade, industry and services market, and the agricultural sector.','Source: Annual Report 2010, chapter Domestic retail banking, page 25','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1002,1010],[1002,1011],[1003,1013],[1004,1016],[1004,1017],[1004,1074],[1008,1048],[1009,1066]],'',''],[1097,'Putting customers’ interests first','A 2010 survey by Forrester Research shows that Rabobank proudly ranks among the top three European banks that deliver the most value to their customers.','Source: Annual Report 2010, chapter Domestic retail banking, page 26','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1010],[1008,1048],[1009,1066],[1000,1002]],'',''],[1098,'Margin on mortgages','The Dutch Competition Authority (NMa) published a report in November 2010, in which it argues that margins on mortgages are high from a historical perspective.','Source: Annual Report 2010, chapter Domestic retail banking, page 26','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1004,1017],[1008,1048],[1009,1066]],'',''],[1099,'Broader and personal services via direct channels','Rabobank wants to excel as a multi-channel bank, offering customers services via the channel that best suits them irrespective of the time or place.','Source: Annual Report 2010, chapter Domestic retail banking, page 26','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1010],[1003,1013],[1008,1048],[1009,1066],[1000,1002]],'',''],[1100,'A knowledge-driven bank','Half of the Dutch corporate sector has Rabobank as its company bank. Businesses choose Rabobank because of its financial services, but also because we serve as a knowledge bank for our clients.','Source: Annual Report 2010, chapter Domestic retail banking, page 26','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1010],[1003,1013],[1008,1048],[1009,1066],[1000,1002]],'',''],[1101,'Best Dutch merchant bank','The annual survey conducted by Management Team magazine ranks Rabobank as the best Dutch financial institution in the categories asset management, cash management, finance, investment banking, private equity and risk management.','Source: Annual Report 2010, chapter Domestic retail banking, page 26','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1010],[1003,1013],[1008,1048],[1009,1066],[1000,1002]],'',''],[1102,'Successful new Rabobank products','Consumers increasingly opt for bank savings products such as the RaboOpbouwHypotheek and SpaarGerusthypotheek mortgages to accumulate assets. 2010 saw the introduction of Rabo Stimuleringskapitaal (incentive loan), which is intended for small and medium-sized agricultural and other businesses. Obvion named was the mortage lender of the year.','Source: Annual Report 2010, chapter Domestic retail banking, page 27','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1010],[1002,1011],[1003,1013],[1004,1074],[1008,1048],[1009,1066],[1008,1059],[1000,1002]],'',''],[1104,'Rabobank: a bank for the agricultural sector','Rabobank has a unique connection with the agricultural sector, serving this sector as a financier, sparring partner and centre of expertise.','Source: Annual Report 2010, chapter Domestic retail banking, page 27','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1002,1010],[1002,1011],[1003,1013],[1004,1074],[1008,1048],[1008,1049],[1009,1066],[1000,1002]],'',''],[1105,'Food and agribusiness, and value chain policy at Rabobank','Rabobank further fleshed out the implementation of the Food and Agribusiness Principles and value chain policy in the financing process.','Source: Annual Report 2010, chapter Domestic retail banking, page 27','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1002,1011],[1004,1074],[1006,1031],[1006,1078],[1007,1043],[1008,1048],[1009,1066],[1000,1002]],'',''],[1106,'Vision and strategy in the food and agribusiness','Rabobank makes investments for its clients in vision and knowledge development in the food and agribusiness.','Source: Annual Report 2010, chapter Domestic retail banking, page 27','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1002,1010],[1002,1011],[1003,1012],[1003,1013],[1006,1031],[1007,1043],[1008,1048],[1009,1066],[1000,1002]],'',''],[1107,'Project Fund supports renewable energy projects','The Rabobank Project Fund helped promote several innovative applications of renewable energy in the food and agribusiness.','Source: Annual Report 2010, chapter Domestic retail banking, page 28','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1006,1031],[1006,1033],[1008,1048],[1009,1066],[1000,1002]],'',''],[1108,'Interpolis, main supplier of insurance policies to Rabobank','Interpolis is Rabobank’s main supplier of insurance policies.','Source: Annual Report 2010, chapter Domestic retail banking, page 28','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1010],[1003,1013],[1004,1021],[1008,1048],[1008,1079],[1009,1066],[1000,1002]],'',''],[1109,'Interpolis awarded Customer Focus Quality Mark for Insurers','Interpolis was awarded the Customer Focus Quality Mark for Insurers in 2010. This is a new quality mark established by the Dutch Association of Insurers.','Source: Annual Report 2010, chapter Domestic retail banking, page 28','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1010],[1003,1013],[1004,1021],[1008,1048],[1008,1079],[1009,1066],[1000,1002]],'',''],[1110,'Responsible banking at Rabobank','In its retail services, Rabobank has identified four themes in relation to responsible, sustainable banking; transparency, accessibility for vulnerable groups, prevention of financial problems and sustainable services.','Source: Annual Report 2010, chapter Domestic retail banking, page 28','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1002,1010],[1003,1012],[1003,1014],[1004,1016],[1004,1017],[1006,1031],[1006,1032],[1006,1033],[1006,1037],[1008,1048],[1009,1066],[1008,1059],[1000,1002]],'',''],[1111,'OpMaat compensation scheme','In the year under review, Rabobank implemented the OpMaat compensation scheme for customers with a running or terminated OpMaat Hypotheek-C mortgage. Obvion customers with a Switchhypotheek mortgage were also offered compensation.','Source: Annual Report 2010, chapter Domestic retail banking, page 29','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1002,1010],[1003,1013],[1004,1017],[1006,1032],[1008,1048],[1009,1066],[1000,1002],[1007,1047],[1008,1059]],'',''],[1113,'Microcredits for business start-ups','Together with the Ministry of Economic Affairs, Agriculture and Innovation, among other parties, Rabobank issued a top-up loan of EUR 5 million to Qredits in 2010.','Source: Annual Report 2010, chapter Domestic retail banking, page 30','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1002,1010],[1004,1074],[1006,1031],[1008,1048],[1009,1066],[1000,1002]],'',''],[1114,'Integration of Bizner into Rabobank','The integration is running smoothly. We expect that ultimately about 70% of clients will take up the offer to switch over to Rabobank.','Source: Annual Report 2010, chapter Domestic retail banking, page 30','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1002,1010],[1004,1016],[1008,1054],[1009,1066],[1000,1002]],'',''],[1115,'Promoting efficient payment transactions','Corporate clients can control the cost of their payment transactions by transaction-based fee.','Source: Annual Report 2010, chapter Domestic retail banking, page 30','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1002,1010],[1006,1031],[1008,1048],[1009,1066],[1000,1002]],'',''],[1116,'Serving corporate clients locally','Corporate clients increasingly contact Rabobank via direct channels such as telephone, e-mail and online, rather than meeting with our people face-to-face. Rabobank facilitates this shift by investing in local call centres tailored to businesses. ','Source: Annual Report 2010, chapter Domestic retail banking, page 30','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1002,1010],[1004,1016],[1006,1031],[1008,1048],[1009,1066],[1000,1002]],'',''],[1117,'Lending at domestic retail banking','Despite the modest economic recovery, growth in lending at domestic retail banking was slightly less steep in 2010 than in 2009.','Source: Annual Report 2010, chapter Domestic retail banking, page 30','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1002,1011],[1003,1013],[1004,1074],[1005,1023],[1005,1024],[1008,1048],[1009,1066],[1000,1002]],'',''],[1118,'Increase in amounts due to customers','Domestic retail banking saw its amounts due to customers increase by 4%, rising to EUR 192.8 (185.2) billion in 2010.','Source: Annual Report 2010, chapter Domestic retail banking, page 31','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1003,1013],[1004,1016],[1005,1023],[1005,1024],[1005,1025],[1008,1048],[1009,1066],[1000,1002]],'',''],[1119,'Financial results of domestic retail banking','Overview financial results of domestic retail banking.','Source: Annual Report 2010, chapter Domestic retail banking, page 31','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1005,1022],[1005,1023],[1005,1024],[1005,1025],[1005,1026],[1007,1047],[1008,1048],[1009,1068],[1008,1059],[1000,1002]],'',''],[1120,'Notes to the financial results of domestic retail banking','Income up 6%, operating expenses down 2%, bad debt costs at 13 basis points, the internal capital requirement stood at EUR 8.1 billion and RAROC as up 8.6 percentage points.','Source: Annual Report 2010, chapter Domestic retail banking, page 31','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1005,1023],[1005,1024],[1005,1025],[1005,1026],[1007,1047],[1008,1048],[1009,1066],[1008,1059],[1000,1002]],'',''],[1121,'Outlook for domestic retail banking','World trade is pulling the Dutch economy away from the recession, but growth remains slow. Economic growth is even expected to weaken again in 2011.','Source: Annual Report 2010, chapter Domestic retail banking, page 32','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1003,1015],[1008,1048],[1008,1056],[1008,1079],[1009,1066],[1000,1002]],'',''],[1122,'Wholesale banking and international retail banking','Consistent performance thanks to drop in bad debt costs','Source: Annual Report 2010, chapter Wholesale banking and international retail banking, page 33','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1002,1011],[1003,1012],[1003,1013],[1003,1014],[1005,1023],[1005,1024],[1005,1025],[1005,1026],[1007,1043],[1007,1047],[1008,1050],[1008,1070],[1009,1066],[1009,1067],[1000,1002]],'',''],[1123,'Strategy for Rabobank International','Rabobank International’s strategy focuses on maintaining and building on our market leadership position in the Netherlands and on the food and agri sector internationally.','Source: Annual Report 2010, chapter Wholesale banking and international retail banking, page 33','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1002,1011],[1003,1012],[1003,1013],[1003,1014],[1007,1043],[1008,1050],[1009,1066],[1009,1067],[1000,1002]],'',''],[1124,'Wholesale banking for Dutch clients','Rabobank’s Dutch wholesale banking division seeks to achieve a leading position in the Dutch wholesale market.','Source: Annual Report 2010, chapter Wholesale banking and international retail banking, page 34','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1002,1010],[1003,1013],[1004,1074],[1004,1075],[1004,1076],[1008,1048],[1008,1050],[1009,1066],[1009,1067],[1008,1062],[1000,1002]],'',''],[1125,'International wholesale banking with focus on food and agri','At international wholesale banking, the focus lies on food and agri in the world’s key agricultural countries.','Source: Annual Report 2010, chapter Wholesale banking and international retail banking, page 34','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1002,1010],[1002,1011],[1003,1013],[1004,1018],[1004,1020],[1004,1074],[1004,1075],[1004,1076],[1005,1025],[1008,1050],[1008,1056],[1009,1066],[1008,1062],[1000,1002]],'',''],[1126,'International retail banking','The international retail banking division focuses on offering financial services to corporate food and agri clients and to private individuals around the world.','Source: Annual Report 2010, chapter Wholesale banking and international retail banking, page 35','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1002,1010],[1002,1011],[1007,1047],[1008,1050],[1008,1053],[1009,1066],[1000,1002]],'',''],[1127,'Recovery of private equity market','Rabo Private Equity, Rabobank’s investment division, uses specialist labels to invest in private equity based on its sector knowledge.','Source: Annual Report 2010, chapter Wholesale banking and international retail banking, page 35','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1002,1009],[1002,1011],[1004,1018],[1004,1074],[1006,1033],[1007,1047],[1008,1050],[1009,1066],[1000,1002]],'',''],[1128,'Rabo Development supports banks in developing countries','Rabo Development helps existing banks with a rural orientation in developing countries to grow into professional, modern-day financial institutions.','Source: Annual Report 2010, chapter Wholesale banking and international retail banking, page 35','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1002,1009],[1002,1010],[1002,1011],[1004,1016],[1004,1074],[1006,1031],[1006,1038],[1006,1078],[1008,1050],[1008,1070],[1009,1066],[1009,1068],[1000,1002]],'',''],[1129,'Improving sustainability of value chains at Rabo Development','In 2010, Rabo Development was actively involved in making value chains in the food and agri sector more sustainable.','Source: Annual Report 2010, chapter Wholesale banking and international retail banking, page 36','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1002,1009],[1002,1010],[1002,1011],[1004,1074],[1006,1031],[1006,1038],[1006,1078],[1008,1050],[1008,1070],[1008,1071],[1009,1066],[1000,1002]],'',''],[1130,'Sicredi now new partner bank and additional investments in URCB','Rabo Development acquired a 30% equity interest in Banco Cooperativo Sicredi S.A. In addition, Rabobank injected additional capital into the Chinese-based United Rural Cooperative Bank of Hangzhou.','Source: Annual Report 2010, chapter Wholesale banking and international retail banking, page 36','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1002,1009],[1002,1011],[1004,1016],[1004,1074],[1006,1031],[1008,1050],[1008,1070],[1009,1066],[1000,1002]],'',''],[1131,'Implementation of sustainability at Rabobank International','During the year under review, sustainability was further integrated into the core activities of the different entities of Rabobank International.','Source: Annual Report 2010, chapter Wholesale banking and international retail banking, page 36','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1002,1010],[1006,1031],[1006,1034],[1006,1078],[1008,1050],[1009,1066],[1000,1002]],'',''],[1132,'Engagement in practice','Rabobank chooses an engagement approach in its dialogue with clients. This means that we speak with the client about the opportunities and threats associated with their operations, and address sustainability issues.','Source: Annual Report 2010, chapter Wholesale banking and international retail banking, page 37','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1002,1010],[1006,1031],[1006,1034],[1006,1078],[1008,1050],[1008,1070],[1008,1071],[1009,1066],[1000,1002]],'',''],[1133,'Sustainable Agri Guarantee Fund (Rabo Agri Fund)','The Rabo Agri Fund issues credit guarantees to local banks as security for loans to cooperatives and relatively small commodities producers in the food and agribusiness sector that do not yet qualify for commercial bank loans.','Source: Annual Report 2010, chapter Wholesale banking and international retail banking, page 37','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1002,1011],[1004,1074],[1006,1031],[1006,1033],[1006,1078],[1008,1050],[1008,1070],[1008,1071],[1009,1066],[1000,1002]],'',''],[1134,'Rabobank finances renewable energy','Renewable Energy and Infrastructure Finance is Rabobank International’s project finance department; it funds projects that apply proven technology in the renewable energy and infrastructure sector.','Source: Annual Report 2010, chapter Wholesale banking and international retail banking, page 37','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1002,1011],[1004,1074],[1006,1031],[1006,1033],[1008,1050],[1009,1066],[1000,1002]],'',''],[1135,'Better Cotton Programme','In 2009, Rabobank launched the innovative Fast Track Better Cotton Programme in collaboration with IDH, ICCO, IKEA, Levi’s, M&S, H&M, ECOM, Solidaridad and the Worldwide Fund for Nature (WWF).','Source: Annual Report 2010, chapter Wholesale banking and international retail banking, page 38','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1002,1011],[1004,1074],[1006,1031],[1006,1034],[1006,1078],[1008,1050],[1008,1071],[1009,1066],[1000,1002]],'',''],[1136,'Growth in Rabobank International’s food and agri portfolio','Total private sector lending at Rabobank International increased by 6% in 2010, rising to EUR 99.1 (93.4) billion.','Source: Annual Report 2010, chapter Wholesale banking and international retail banking, page 38','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1002,1011],[1004,1074],[1005,1023],[1005,1024],[1008,1050],[1008,1052],[1008,1053],[1009,1066],[1000,1002]],'',''],[1137,'Direct banking: sharp increase in savings deposits','Savings deposits and number of customers reased by the direct banking activities in Belgium, Ireland, New Zealand and Australia.','Source: Annual Report 2010, chapter Wholesale banking and international retail banking, page 39','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1003,1013],[1004,1016],[1005,1023],[1005,1024],[1005,1026],[1008,1050],[1009,1066],[1000,1002]],'',''],[1138,'Financial results of wholesale banking and international retail banking','Overview financial results of wholesale banking and international retail banking (table).','Source: Annual Report 2010, chapter Wholesale banking and international retail banking, page 39','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1005,1022],[1005,1023],[1005,1024],[1005,1025],[1005,1026],[1008,1050],[1009,1068],[1000,1002]],'',''],[1139,'Notes to the financial results of wholesale banking and international retail banking','Income up 6%, operating expenses up 9%, bad debt costs at 64 basis points and RAROC increased by 1.3 percentage points to 10.1%.','Source: Annual Report 2010, chapter Wholesale banking and international retail banking, page 40','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1005,1023],[1005,1024],[1005,1025],[1005,1026],[1005,1027],[1008,1050],[1009,1066],[1000,1002]],'',''],[1140,'Outlook for wholesale banking and international retail banking','The economic recovery will vary by country and remain fragile in 2011 as well. Rabobank International will continue full steam ahead on the chosen course.','Source: Annual Report 2010, chapter Wholesale banking and international retail banking, page 40','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1005,1023],[1005,1024],[1005,1025],[1005,1026],[1005,1027],[1008,1050],[1009,1066],[1000,1002]],'',''],[1141,'Asset management','2010 was a good year for investments on average. Investment returns stood at EUR 15.3 billion.','Source: Annual Report 2010, chapter Asset management, page 41','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1003,1013],[1003,1014],[1004,1018],[1005,1023],[1005,1024],[1005,1026],[1005,1027],[1007,1043],[1008,1062],[1009,1066],[1009,1067],[1008,1063],[1008,1064],[1000,1002]],'',''],[1142,'Strategy for asset management','Robeco, Sarasin and Schretlen & Co are leading national and international asset managers and private banks. With their broad product range and specialised investment teams, they offer tailored investment and asset management services to investors of every kind.','Source: Annual Report 2010, chapter Asset management, page 41','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1003,1012],[1004,1018],[1007,1043],[1008,1049],[1008,1062],[1009,1066],[1009,1067],[1008,1063],[1008,1064],[1000,1002]],'',''],[1143,'Robeco strategy revised','When, early in 2010, Robeco decided on its strategy for the period to 2014, it made a number of clear choices.','Source: Annual Report 2010, chapter Asset management, page 41','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1002,1010],[1002,1011],[1003,1012],[1003,1014],[1004,1018],[1006,1031],[1008,1050],[1008,1055],[1009,1066],[1008,1063],[1000,1002]],'',''],[1144,'Sarasin expanding in growth markets','Sarasin pursues an international growth strategy.','Source: Annual Report 2010, chapter Asset management, page 42','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1003,1012],[1003,1013],[1004,1018],[1009,1066],[1008,1063],[1000,1002]],'',''],[1145,'Rabobank Private Banking and Schretlen & Co: shift from products to advice','The strategy of Rabobank Private Banking is aimed at deepening its services further and at expanding its natural market share in the top end of the market.','Source: Annual Report 2010, chapter Asset management, page 42','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1010],[1003,1012],[1003,1013],[1004,1018],[1008,1050],[1009,1066],[1008,1064],[1000,1002]],'',''],[1146,'Handsome returns at Robeco and Sarasin investment funds','Robeco and Sarasin investment funds generally achieved handsome returns in 2010.','Source: Annual Report 2010, chapter Asset management, page 42','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1004,1018],[1005,1024],[1005,1026],[1005,1027],[1009,1066],[1009,1068],[1008,1062],[1008,1063],[1000,1002]],'',''],[1147,'Sarasin’s service offering expanded','Sarasin expanded its services to private clients in 2010 to include illiquid assets in its investment advice and solutions.','Source: Annual Report 2010, chapter Asset management, page 43','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1004,1018],[1009,1066],[1008,1063],[1000,1002]],'',''],[1148,'Sarasin - a tradition of sustainability in asset management','Sarasin has pioneered sustainable investments and asset management. This is reflected in a systematic approach to assessing businesses and countries, combined with environmental and social criteria.','Source: Annual Report 2010, chapter Asset management, page 43','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1004,1018],[1005,1026],[1006,1031],[1006,1033],[1006,1036],[1007,1042],[1007,1043],[1007,1047],[1009,1066],[1008,1063],[1000,1002]],'',''],[1149,'Sarasin: leading private bank for socially responsible investing','Sarasin received the several major awards for social responsible investing.','Source: Annual Report 2010, chapter Asset management, page 43','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1003,1013],[1004,1018],[1006,1031],[1009,1066],[1008,1063],[1000,1002]],'',''],[1150,'Intensified collaboration between Schretlen & Co and Rabobank Private Banking','In 2010, Schretlen & Co and Rabobank Private Banking intensified their collaboration.','Source: Annual Report 2010, chapter Asset management, page 43','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1010],[1003,1013],[1004,1018],[1008,1049],[1009,1066],[1008,1064],[1000,1002]],'',''],[1151,'Responsible Investing implemented at Rabobank Private Bank and Schretlen & Co','In the year under review, Rabobank Private Banking and Schretlen & Co paid a great deal of attention to sustainable and socially responsible investing.','Source: Annual Report 2010, chapter Asset management, page 44','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1003,1013],[1004,1018],[1006,1031],[1006,1033],[1006,1036],[1007,1042],[1007,1043],[1008,1048],[1008,1049],[1009,1066],[1008,1064],[1000,1002]],'',''],[1152,'Robeco responsible investments','To Robeco, embedding environmental, social and good governance factors in the investment analysis and investment decision process is a key element in responsible investing.','Source: Annual Report 2010, chapter Asset management, page 44','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1003,1012],[1004,1018],[1006,1031],[1006,1033],[1006,1034],[1006,1036],[1007,1042],[1007,1043],[1007,1047],[1009,1066],[1008,1062],[1000,1002]],'',''],[1153,'Assets managed, by instruments for responsible investing','Overview Assets managed, by instruments for responsible investing (table).','Source: Annual Report 2010, chapter Asset management, page 44','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1002,1009],[1004,1018],[1005,1026],[1006,1030],[1006,1031],[1007,1043],[1007,1047],[1009,1068],[1008,1062],[1000,1002]],'',''],[1154,'Enhanced engagement for active ownership','At the end of 2009, Robeco announced its desire to add ‘enhanced engagement’ to its active ownership strategies.','Source: Annual Report 2010, chapter Asset management, page 44','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1003,1013],[1004,1018],[1006,1031],[1006,1034],[1009,1066],[1008,1062],[1000,1002]],'',''],[1155,'New sustainable investments launched by Robeco and Sarasin','On 18 May 2010, Robeco introduced its first sustainable fixed-income product: Robeco Euro Sustainable Credits. Sarasin added several products to its sustainable services. SAM won the SRI/Sustainable Investment Manager of the Year Award.','Source: Annual Report 2010, chapter Asset management, page 45','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1003,1013],[1004,1018],[1006,1031],[1007,1047],[1009,1066],[1008,1062],[1008,1063],[1000,1002]],'',''],[1157,'Charity Desk','The Charity Desk, which was introduced in 2008, is proving to be highly successful among high net-worth clients.','Source: Annual Report 2010, chapter Asset management, page 45','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1002,1010],[1003,1013],[1004,1018],[1006,1031],[1008,1048],[1008,1071],[1009,1066],[1000,1002]],'',''],[1158,'Growth in assets managed due to currency effects and positive cash flows','Assets managed and held in custody for clients grew to EUR 270.4 (230.4) billion in 2010 as a result of currency effects, the inflow of assets at Sarasin and an upward stock exchange trend. ','Source: Annual Report 2010, chapter Asset management, page 45','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1004,1018],[1005,1023],[1005,1024],[1005,1026],[1005,1027],[1008,1048],[1008,1051],[1008,1062],[1009,1066],[1009,1067],[1008,1063],[1008,1064],[1000,1002]],'',''],[1159,'Financial results of asset management','Overview financial results of asset management (table).','Source: Annual Report 2010, chapter Asset management, page 46','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1004,1018],[1005,1022],[1005,1023],[1005,1024],[1005,1025],[1005,1026],[1007,1047],[1008,1048],[1008,1062],[1009,1068],[1008,1063],[1008,1064],[1000,1002]],'',''],[1160,'Notes to the financial results of asset management','Income up 23%, operating expenses up 2%, value adjustments stood at EUR 2 million.','Source: Annual Report 2010, chapter Asset management, page 46','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1004,1018],[1005,1023],[1005,1024],[1005,1025],[1005,1026],[1007,1047],[1008,1048],[1008,1062],[1009,1066],[1008,1063],[1008,1064],[1000,1002]],'',''],[1161,'Outlook for asset management','The outlook for 2011 for the asset management business is relatively favourable, with managed assets expected to grow further, thanks to positive cash flows and favourable investment returns on average.','Source: Annual Report 2010, chapter Asset management, page 46','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1003,1015],[1004,1018],[1007,1047],[1008,1050],[1008,1062],[1009,1066],[1008,1063],[1008,1064],[1000,1002]],'',''],[1162,'Leasing','Recovery of earnings thanks to higher residual value gains and improved margins.','Source: Annual Report 2010, chapter Leasing, page 47','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1003,1013],[1004,1020],[1005,1023],[1005,1024],[1005,1026],[1005,1027],[1007,1047],[1008,1055],[1009,1066],[1009,1067],[1000,1002]],'',''],[1163,'Strategy for De Lage Landen','De Lage Landen helps Rabobank achieve market leadership in the Netherlands by offering leasing and factoring products as well as consumer loans. On a global level, De Lage Landen endeavours to increase the share of food and agri in its leasing portfolio.','Source: Annual Report 2010, chapter Leasing, page 47','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1002,1010],[1003,1012],[1003,1014],[1004,1017],[1004,1020],[1008,1055],[1009,1066],[1009,1067],[1000,1002]],'',''],[1164,'Partnership with Agricultural Bank of China','In 2010, Rabobank acquired a minor interest in the Agricultural Bank of China (ABC). In light of this participation, De Lage Landen China and ABC Financial Leasing signed a letter of intent to form a partnership.','Source: Annual Report 2010, chapter Leasing, page 48','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1011],[1003,1013],[1003,1014],[1004,1020],[1006,1033],[1008,1050],[1008,1055],[1009,1066],[1000,1002]],'',''],[1165,'De Lage Landen’s service offering rated','Forum survey: 65% of factoring clients were happy or very happy with the services offered by De Lage Landen and no less than 92% of clients said that they were happy or very happy with their contact person.','Source: Annual Report 2010, chapter Leasing, page 48','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1010],[1004,1020],[1004,1074],[1008,1055],[1009,1066],[1000,1002]],'',''],[1166,'Corporate social responsibility in leasing','De Lage Landen’s CSR strategy has four spearheads: sustainable and innovative leasing solutions, ethical and responsible procedures, eco-efficiency, and community involvement.','Source: Annual Report 2010, chapter Leasing, page 48','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1003,1013],[1003,1014],[1004,1020],[1006,1031],[1006,1033],[1006,1037],[1008,1055],[1009,1066],[1000,1002]],'',''],[1167,'Sustainable and innovative leasing solutions','De Lage Landen develops sustainable and innovative solutions as a commercial proposition, for instance in the areas of solar energy, combined heat and power and sustainable lighting.','Source: Annual Report 2010, chapter Leasing, page 48','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1003,1013],[1004,1020],[1006,1031],[1006,1033],[1006,1037],[1008,1055],[1009,1066],[1000,1002]],'',''],[1168,'Ethical and responsible procedures at De Lage Landen','De Lage Landen developed new policy for the business ethics of its activities. De Lage Landen also took steps to increase the sustainability awareness of its employees.','Source: Annual Report 2010, chapter Leasing, page 49','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1002,1010],[1004,1020],[1005,1025],[1006,1036],[1007,1043],[1008,1055],[1009,1066],[1000,1002]],'',''],[1169,'Eco-efficiency at De Lage Landen','De Lage Landen made sustainable investments in 2010 in its two largest office buildings in Wayne (US) and Eindhoven (the Netherlands), one of the objectives being to qualify for LEED and BREEAM certification for green buildings, building operation and building management.','Source: Annual Report 2010, chapter Leasing, page 49','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1004,1020],[1006,1033],[1006,1037],[1007,1042],[1008,1055],[1009,1066],[1000,1002]],'',''],[1170,'Community involvement at De Lage Landen','De Lage Landen endeavours to link up its community involvement with its business operations.','Source: Annual Report 2010, chapter Leasing, page 49','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1004,1020],[1004,1076],[1006,1038],[1008,1055],[1009,1066],[1000,1002]],'',''],[1171,'Increase in lease portfolio, with share of food and agri on the rise','Lending at De Lage Landen was up 7% in 2010, rising to EUR 25.7 (24.1) billion.','Source: Annual Report 2010, chapter Leasing, page 49','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1002,1011],[1003,1014],[1004,1020],[1005,1023],[1005,1024],[1008,1055],[1009,1066],[1009,1067],[1000,1002]],'',''],[1172,'Financial results of leasing','Overview financial results of leasing (table).','Source: Annual Report 2010, chapter Leasing, page 50','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1004,1020],[1005,1022],[1005,1023],[1005,1024],[1005,1025],[1005,1026],[1008,1055],[1009,1068],[1000,1002]],'',''],[1173,'Notes to the financial results of leasing','Income up 15%, operating expenses up 14%, bad debt costs at 90 basis points, RAROC increased to 18.3%.','Source: Annual Report 2010, chapter Leasing, page 50','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1004,1020],[1005,1023],[1005,1024],[1005,1025],[1008,1055],[1009,1066],[1000,1002]],'',''],[1174,'Outlook for leasing','In 2011, De Lage Landen will concentrate on further growth of the portfolio in line with the strategic plan.','Source: Annual Report 2010, chapter Leasing, page 51','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1002,1011],[1003,1015],[1004,1020],[1008,1055],[1009,1066],[1000,1002]],'',''],[1175,'Real estate','Increase in earnings at Real Estate Group despite late market recovery.','Source: Annual Report 2010, chapter Real estate, page 52','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1003,1013],[1003,1014],[1004,1019],[1005,1023],[1005,1024],[1005,1026],[1005,1027],[1006,1039],[1008,1051],[1009,1066],[1009,1067],[1000,1002]],'',''],[1176,'Strategy for Rabo Real Estate Group','Rabo Real Estate Group is Rabobank Group’s centre of expertise in real estate; it is active in the areas of property development, property finance and investment management.','Source: Annual Report 2010,chapter Real estate, page 52','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1003,1012],[1003,1013],[1003,1014],[1004,1019],[1008,1051],[1009,1066],[1009,1067],[1000,1002]],'',''],[1177,'Settlements in real estate fraud case','The enquiry into the real estate fraud continued in 2010.','Source: Annual Report 2010, chapter Real estate, page 53','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1002,1009],[1002,1010],[1003,1013],[1004,1019],[1006,1032],[1008,1051],[1009,1066],[1000,1002]],'',''],[1178,'Tentative recovery of the property market','Rabo Real Estate Group was still suffering the consequences of the credit crunch in 2010. Demand for homes, property finance and property investment funds was significantly lower in 2009 and 2010 than before the recession.','Source: Annual Report 2010, chapter Real estate, page 53','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1003,1013],[1004,1019],[1008,1051],[1009,1066],[1000,1002]],'',''],[1179,'Partnership between Rabo Real Estate Group and Rabobank','Rabo Real Estate Group and various other divisions of Rabobank Group worked in close collaboration in 2010.','Source: Annual Report 2010, chapter Real estate, page 53','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1003,1013],[1004,1019],[1008,1048],[1008,1049],[1008,1051],[1009,1066],[1000,1002]],'',''],[1180,'Corporate social responsibility at Rabo Real Estate Group','Rabo Real Estate Group aspires to a leading position in sustainability in the property sector. All divisions of Rabo Real Estate Group seek to contribute to sustainable property and area development and show some sustainable examples.','Source: Annual Report 2010, chapter Real estate, page 53','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1004,1019],[1006,1033],[1006,1035],[1006,1037],[1007,1043],[1008,1051],[1009,1066],[1000,1002],[1002,1010],[1004,1074],[1003,1013],[1006,1031]],'',''],[1183,'Ethical business practices','Rabo Real Estate Group has its own employee code of conduct for integrity and ethics. This code is aligned to Rabobank Group’s code of conduct as much as possible and incorporates a whistleblower regulation.','Source: Annual Report 2010, chapter Real estate, page 54','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1004,1019],[1007,1043],[1008,1051],[1009,1066],[1000,1002]],'',''],[1184,'Responsible business practices','Rabo Real Estate Group has agreed to introduce some new terms of employment that will advance staff employability in the long term.','Source: Annual Report 2010, chapter Real estate, page 54','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1003,1012],[1004,1019],[1006,1037],[1007,1044],[1007,1045],[1008,1051],[1009,1066],[1000,1002]],'',''],[1185,'Community involvement','Rabo Real Estate Group showed their community involvement in several ways.','Source: Annual Report 2010, chapter Real estate, page 54','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1004,1019],[1006,1031],[1006,1033],[1006,1035],[1006,1039],[1008,1051],[1009,1066],[1000,1002]],'',''],[1186,'Number of homes sold up 26%','Bouwfonds Property Development builds housing developments and small-scale multi-functional developments.','Source: Annual Report 2010, chapter Real estate, page 55','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1003,1013],[1004,1019],[1005,1024],[1008,1051],[1009,1066],[1009,1067],[1000,1002]],'',''],[1187,'Commercial real estate: from expansion to redevelopment','MAB Development develops commercial real estate in Europe and has branches in the Netherlands, Germany and France.','Source: Annual Report 2010, chapter Real estate, page 55','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1003,1013],[1004,1019],[1005,1024],[1008,1051],[1009,1066],[1000,1002]],'',''],[1188,'Moderate growth in lending at FGH Bank','FGH Bank specialises in financing commercial real estate.','Source: Annual Report 2010, chapter Real estate, page 55','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1004,1019],[1004,1074],[1005,1023],[1008,1051],[1009,1066],[1000,1002]],'',''],[1189,'Stability in assets managed by Bouwfonds REIM','Bouwfonds REIM’s new activities were still at a low level in 2010 because the property markets did not recover very well.','Source: Annual Report 2010, chapter Real estate, page 55','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1004,1019],[1005,1023],[1005,1024],[1005,1026],[1008,1051],[1009,1066],[1000,1002]],'',''],[1190,'Financial results of real estate','Overview financial results of real estate (table).','Source: Annual Report 2010, chapter Real estate, page 56','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1004,1019],[1005,1022],[1005,1023],[1005,1024],[1005,1025],[1005,1026],[1008,1051],[1008,1055],[1009,1068],[1000,1002]],'',''],[1191,'Notes to the financial results of real estate','Income up 7%. Operating expenses down 13%. Bad debt costs at 36 basis points. Value adjustments stood at EUR 57 million.','Source: Annual Report 2010, chapter Real estate, page 56','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1004,1019],[1005,1023],[1005,1024],[1005,1025],[1005,1026],[1008,1051],[1008,1055],[1009,1066],[1000,1002]],'',''],[1192,'Outlook for real estate','Although Rabo Real Estate Group is expected to feel the pinch of the harsh economic climate in 2011 as well, the major uncertainties in the markets are likely to fade. There are signs that a true recovery of the property market will take longer than expected.','Source: Annual Report 2010, chapter Real estate, page 57','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1002,1010],[1003,1012],[1003,1015],[1004,1019],[1008,1051],[1009,1066],[1000,1002]],'',''],[1193,'Risk management','Rabobank Group pursues a prudent risk policy with an emphasis on a moderate risk profile. The legal and regulatory requirements form Rabobank Group’s framework for the design of the organisation and control of its activities.','Source: Annual Report 2010, chapter Risk management, page 58','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1003,1012],[1003,1013],[1005,1023],[1005,1024],[1005,1025],[1005,1026],[1007,1042],[1009,1066],[1000,1002]],'',''],[1195,'Risk management organisation','Risk management is performed at various levels within Rabobank Group.','Source: Annual Report 2010, chapter Risk management, page 58','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1005,1025],[1007,1042],[1009,1066],[1009,1067],[1000,1002]],'',''],[1196,'Risk management principles','Within Rabobank Group, an extensive system of limits and controls has been put in place to manage risk.','Source: Annual Report 2010, chapter Risk management, page 58','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1003,1012],[1003,1014],[1005,1025],[1007,1042],[1009,1066],[1000,1002]],'',''],[1197,'Risk appetite','Rabobank has formulated a bank-wide risk appetite. This describes the overall risk that Rabobank believes is acceptable for its operations.','Source: Annual Report 2010, chapter Risk management, page 59','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1003,1012],[1003,1014],[1005,1025],[1009,1066],[1000,1002]],'',''],[1198,'Stress tests','Stress tests are an essential part of the risk management framework. They are used to determine the impact that extreme but plausible events could have on Rabobank. ','Source: Annual Report 2010, chapter Risk management, page 59','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1005,1025],[1007,1042],[1009,1066],[1000,1002]],'',''],[1199,'Credit risk','Rabobank Group has a robust framework of policies and processes in place to measure, manage and mitigate credit risks.','Source: Annual Report 2010, chapter Risk management, page 60','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1002,1010],[1004,1017],[1004,1074],[1005,1023],[1005,1025],[1007,1042],[1009,1066],[1009,1068],[1000,1002]],'',''],[1200,'Credit risk and Basel II','Rabobank Group uses the Advanced Internal Rating Based (Advanced IRB) approach for credit risk. This is the most risk-sensitive of the Basel II Credit Risk approaches.','Source: Annual Report 2010, chapter Risk management, page 61','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1002,1010],[1004,1017],[1004,1074],[1005,1023],[1005,1025],[1007,1042],[1009,1066],[1000,1002]],'',''],[1201,'Impaired loans and allowance for loan losses','If it is probable that the debtor will be unable to fulfil all its contractual obligations, this is a matter of impairment and an allowance is made which is charged to income.','Source: Annual Report 2010, chapter Risk management, page 61','aj',1,0,[[1000,1000],[1000,1001],[1001,1005],[1010,1072],[1002,1008],[1002,1010],[1004,1017],[1004,1018],[1004,1019],[1004,1020],[1004,1074],[1005,1023],[1005,1025],[1007,1042],[1009,1066],[1009,1068],[1000,1002]],'',''],[1202,'Country risk','With respect to country risk, a distinction is made between transfer risk and collective debtor risk. Rabobank Group uses a country limit system to manage transfer risk and collective debtor risk.','Source: Annual Report 2010, chapter Risk management, page 62','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1005,1023],[1005,1025],[1009,1066],[1009,1068],[1000,1002]],'',''],[1203,'Structured credit, monoline insurers and governments','Rabobank Group has a limited exposure to more structured investments in its trading and investment portfolios.','Source: Annual Report 2010, chapter Risk management, page 63','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1005,1023],[1005,1024],[1005,1025],[1009,1066],[1009,1067],[1009,1068],[1000,1002]],'',''],[1204,'Interest rate risk','Interest rate risk is the risk that the bank’s financial results and/or economic value - given the structure of its statement of financial position - may be adversely affected by developments on the money and capital markets.','Source: Annual Report 2010, chapter Risk management, page 63','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1005,1023],[1005,1025],[1009,1066],[1000,1002]],'',''],[1205,'Liquidity risk and funding','Liquidity risk is the risk that a bank will not be able to fulfil all its payment and repayment obligations on time.','Source: Annual Report 2010, chapter Risk management, page 64','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1004,1016],[1004,1017],[1004,1074],[1005,1023],[1005,1025],[1005,1077],[1009,1066],[1000,1002]],'',''],[1206,'Measuring liquidity risk','Several methods have been developed to measure and manage liquidity risk. Methods used include the CA/CL (core assets/core liabilities) method.','Source: Annual Report 2010, chapter Risk management, page 65','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1005,1023],[1005,1025],[1009,1066],[1000,1002]],'',''],[1207,'Rating and funding','For many years, Rabobank has been awarded the highest possible ratings by leading rating agencies such as Standard & Poor’s and Moody’s.','Source: Annual Report 2010, chapter Risk management, page 65','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1005,1023],[1005,1025],[1005,1077],[1009,1066],[1009,1067],[1000,1002]],'',''],[1208,'Providing information to investors and financiers','Rabobank attaches great importance to high-quality, transparent communication with institutional investors and other financiers and providers of capital. The Investor Relations department is responsible for supplying and explaining all relevant information requested by investors.','Source: Annual Report 2010, chapter Risk management, page 65','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1002,1010],[1003,1013],[1005,1025],[1005,1077],[1008,1049],[1009,1066],[1000,1002]],'',''],[1209,'Market risk','Market risk concerns changes in the value of the trading portfolio as a result of movements in market prices.','Source: Annual Report 2010, chapter Risk management, page 65','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1005,1023],[1005,1025],[1008,1050],[1009,1066],[1009,1067],[1009,1068],[1008,1062],[1000,1002]],'',''],[1210,'Operational risk','Rabobank follows the Basel II definition of operational risk, which is the risk of losses caused by inadequate or failing internal processes, people or systems or by external events. Rabobank Group operates within the frameworks of the Basel II Advanced Measurement Approach as regards measuring and managing operational risk.','Source: Annual Report 2010, chapter Risk management, page 66','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1005,1025],[1007,1042],[1009,1066],[1009,1067],[1009,1068],[1000,1002]],'',''],[1211,'Currency risk','Currency risk is the risk of changes in income or equity as a result of currency exchange movements.','Source: Annual Report 2010, chapter Risk management, page 67','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1005,1025],[1009,1066],[1000,1002]],'',''],[1212,'Financial reporting controls','Rabobank Group constantly seeks to improve its corporate governance and overall internal controls.','Source: Annual Report 2010, chapter Risk management, page 67','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1003,1014],[1005,1025],[1007,1042],[1009,1066],[1000,1002]],'',''],[1213,'Internal controls','Rabobank Group uses internal controls to provide reasonable assurance.','Source: Annual Report 2010, chapter Risk management, page 67','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1005,1025],[1007,1042],[1009,1066],[1000,1002]],'',''],[1214,'Executive Board Responsibility Statement','The Executive Board of Rabobank Nederland Responsibility Statement.','Source: Annual Report 2010, chapter Risk management, page 68','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1005,1025],[1007,1041],[1009,1066],[1000,1002]],'',''],[1215,'Commitment to society','Rabobank Group aims to be a driver and an innovator that contributes to a sustainable increase in prosperity and welfare, as expressed in our mission statement.','Source: Annual Report 2010, chapter Commitment to society, page 69','aj',1,0,[[1000,1000],[1000,1001],[1001,1005],[1010,1072],[1002,1009],[1003,1012],[1005,1022],[1006,1031],[1006,1035],[1006,1039],[1008,1048],[1008,1049],[1008,1050],[1008,1071],[1009,1066],[1009,1068],[1000,1002]],'',''],[1216,'Local cooperative dividend','In 2010, the local Rabobanks spent EUR 28.3 million from their cooperative funds on supporting social projects.','Source: Annual Report 2010, chapter Commitment to society, page 69','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1006,1035],[1006,1039],[1008,1048],[1009,1066],[1000,1002]],'',''],[1217,'Rabobank Foundation','Rabobank Foundation was established in 1973 to help disadvantaged people, both in the Netherlands and elsewhere.','Source: Annual Report 2010, chapter Commitment to society, page 69','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1003,1014],[1006,1031],[1006,1035],[1006,1038],[1006,1039],[1008,1071],[1009,1066],[1000,1002]],'',''],[1218,'Countries targeted by Rabobank Foundation','Overview countries targeted by Rabobank Foundation.','Source: Annual Report 2010, chapter Commitment to society, page 70','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1006,1035],[1006,1038],[1006,1039],[1008,1071],[1009,1067],[1000,1002]],'',''],[1219,'Rabobank Project Fund','The Rabobank Project Fund supports innovative, sustainable projects in the Netherlands.','Source: Annual Report 2010, chapter Commitment to society, page 70','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1006,1033],[1006,1035],[1006,1039],[1007,1040],[1009,1066],[1000,1002]],'',''],[1220,'Herman Wijffels Innovation Award','Rabobank Foundation was established in 1973 to help disadvantaged people, both in the Netherlands and elsewhere.','Source: Annual Report 2010, chapter Commitment to society, page 70','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1006,1033],[1006,1035],[1006,1039],[1009,1066],[1000,1002]],'',''],[1221,'Share4More','Current and retired Rabobank employees can opt to make a monthly donation to the employee fund, Share4More.','Source: Annual Report 2010, chapter Commitment to society, page 71','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1006,1035],[1006,1039],[1007,1045],[1009,1066],[1000,1002],[1009,1069]],'',''],[1222,'Rabobank and volunteering','Another form of cooperative dividend concerns the various kinds of support provided to voluntary activities that lead to social improvements.','Source: Annual Report 2010, chapter Commitment to society, page 71','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1006,1035],[1006,1039],[1007,1045],[1008,1048],[1008,1050],[1008,1071],[1009,1066],[1000,1002]],'',''],[1223,'Community sponsoring','Rabobank’s sponsorship policy is aimed at building sustainable partnerships that promote a vibrant, caring society, focusing on culture and sport.','Source: Annual Report 2010, chapter Commitment to society, page 71','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1006,1035],[1006,1039],[1008,1048],[1009,1066],[1000,1002]],'',''],[1224,'Social ambitions of clients','Interest in contributing to social initiatives is growing among high net-worth individuals. Rabobank provides two services to help such clients; Rabo Charity Desk and Rabobank Foundation Client Fund.','Source: Annual Report 2010, chapter Commitment to society, page 71','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1002,1010],[1004,1018],[1006,1035],[1008,1048],[1008,1071],[1009,1066],[1000,1002]],'',''],[1225,'Dialogue with society','Rabobank is a socially responsible bank that actively enters into dialogues with stakeholders on social trends and issues.','Source: Annual Report 2010, chapter Dialogue with society, page 72','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1002,1010],[1003,1012],[1003,1013],[1003,1014],[1006,1034],[1008,1049],[1009,1066],[1000,1002]],'',''],[1226,'Active involvement in services','Stakeholders such as member councils and youth councils of local Rabobanks are actively involved in the bank’s policy-making and provision of services.','Source: Annual Report 2010, chapter Dialogue with society, page 72','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1002,1010],[1006,1033],[1006,1034],[1006,1036],[1007,1040],[1008,1048],[1009,1066],[1000,1002]],'',''],[1227,'Dialogue, issues and policy development','When developing policy and conducting dialogues with stakeholders, extra attention is paid to topical social issues that are of the greatest relevance for Rabobank.','Source: Annual Report 2010, chapter Dialogue with society, page 72','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1006,1032],[1006,1033],[1006,1034],[1006,1035],[1006,1036],[1006,1037],[1006,1038],[1006,1078],[1007,1044],[1008,1049],[1009,1066],[1009,1067],[1000,1002]],'',''],[1228,'Overview issues sustainable developments','Overview issues that Rabobank discusses with its stakeholders in the context of sustainable developments.\n\n','Source: Annual Report 2010, chapter Dialogue with society, page 73','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1006,1032],[1006,1033],[1006,1034],[1006,1035],[1006,1036],[1006,1037],[1006,1038],[1006,1078],[1008,1049],[1009,1068],[1001,1005],[1000,1002]],'',''],[1229,'Dialogue on introducing sustainability in value chains','In 2010, Rabobank gave further concrete form to its sustainability policy through its involvement with the Schokland Fund and the Corporate Leadership Coalition for Smallholder Farmer Livelihoods.','Source: Annual Report 2010, chapter Dialogue with society, page 73','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1002,1011],[1003,1014],[1006,1034],[1006,1078],[1008,1049],[1009,1066],[1000,1002]],'',''],[1230,'Updating of human rights policy','As result of a study of the UN, Rabobank Group updated its human rights policy to bring it into line with the international framework for businesses.','Source: Annual Report 2010, chapter Dialogue with society, page 73','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1003,1012],[1003,1014],[1006,1034],[1006,1036],[1008,1049],[1009,1066],[1000,1002]],'',''],[1231,'New policy on biodiversity and ecosystem services','Rabobank formulated a new draft policy on biodiversity and ecosystem services during the year under review.','Source: Annual Report 2010, chapter Dialogue with society, page 75','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1003,1014],[1006,1033],[1006,1034],[1008,1049],[1009,1066],[1000,1002]],'',''],[1232,'Signing of memorandum of understanding with WWF','During the year under review, Rabobank Group signed a memorandum of understanding with WWF on a global partnership.','Source: Annual Report 2010, chapter Dialogue with society, page 75','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1003,1014],[1006,1033],[1006,1034],[1006,1078],[1008,1049],[1009,1066],[1000,1002]],'',''],[1233,'Dialogue with external stakeholders','Robeco has stepped up its dialogue with interest groups that call asset managers to account with regard to social issues.','Source: Annual Report 2010, chapter Dialogue with society, page 75','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1004,1018],[1006,1034],[1008,1049],[1009,1066],[1008,1062],[1000,1002]],'',''],[1234,'Dilemmas and ethical issues','At Rabobank Group, dilemmas and ethical issues that arise when providing services can be submitted to the Ethics Committee.','Source: Annual Report 2010, chapter Dialogue with society, page 75','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1006,1034],[1006,1036],[1008,1049],[1009,1066],[1000,1002]],'',''],[1235,'Looking ahead to 2030','During 2010 Rabobank drew up future scenarios regarding the Dutch economy and related social issues.','Source: Annual Report 2010, chapter Dialogue with society, page 76','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1003,1013],[1003,1015],[1006,1034],[1009,1066],[1000,1002]],'',''],[1236,'Environment and operations','In the course of its operations, Rabobank Group takes steps to benefit the environment and limit climate change.','Source: Annual Report 2010, chapter Environment and operations, page 77','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1003,1014],[1006,1033],[1006,1037],[1008,1048],[1008,1049],[1008,1050],[1008,1055],[1009,1066],[1000,1002]],'',''],[1237,'Saving energy','An internal energy programme supports local Rabobanks and other group entities in their efforts to be more energy-efficient.','Source: Annual Report 2010, chapter Environment and operations, page 77','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1003,1014],[1006,1031],[1006,1033],[1006,1037],[1008,1048],[1008,1053],[1009,1066],[1000,1002]],'',''],[1238,'Sustainable mobility','Rabobank promotes sustainable mobility. By the ‘Unplugged’ concept and the use of public transport. Besides that Rabobank has adopted a new lease car policy.','Source: Annual Report 2010, chapter Environment and operations, page 77','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1003,1014],[1006,1031],[1006,1033],[1006,1037],[1007,1045],[1008,1048],[1008,1049],[1009,1066],[1000,1002]],'',''],[1239,'ICT','The uses to which computers can be put keeps on increasing, and this has lead to an increased demand for ICT resources.','Source: Annual Report 2010, chapter Environment and operations, page 78','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1006,1031],[1006,1033],[1006,1037],[1009,1066],[1000,1002]],'',''],[1240,'Sustainable purchasing','In 2010, socially responsible purchasing efforts focused on updating and expanding sustainable purchasing criteria and sustainable chain management.','Source: Annual Report 2010, chapter Environment and operations, page 78','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1006,1031],[1006,1033],[1006,1037],[1008,1049],[1009,1066],[1000,1002]],'',''],[1241,'Paper consumption, organic catering and waste','Management of paper consumption, organic catering and waste.','Source: Annual Report 2010, chapter Environment and operations, page 78','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1006,1031],[1006,1033],[1006,1037],[1009,1066],[1000,1002]],'',''],[1242,'Employees','Employees have a crucial role to play when it comes to achieving Rabobank Group’s ambitions.','Source: Annual Report 2010, chapter Employees, page 79','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1003,1014],[1007,1045],[1009,1066],[1000,1002]],'',''],[1243,'Vision of learning and development','Rabobank’s aim is to offer its employees a flexible, rich learning environment.','Source: Annual Report 2010, chapter Employees, page 79','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1003,1012],[1003,1014],[1007,1045],[1009,1066],[1000,1002]],'',''],[1244,'Management and talent development','One of the four preconditions for achieving Rabobank’s ambitions, as set out in the Strategic Framework, is talent development.','Source: Annual Report 2010, chapter Employees, page 79','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1003,1014],[1006,1031],[1007,1045],[1009,1066],[1000,1002]],'',''],[1245,'Expert employees','Rabobank believes that having competent employees means more than obtaining the certification required by law.','Source: Annual Report 2010, chapter Employees, page 79','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1003,1013],[1006,1031],[1007,1045],[1009,1066],[1000,1002]],'',''],[1246,'The local Rabobank in 2010','2010 saw a variety of developments in the market owing to disappointing growth in the mortgage market combined with major efforts in the area of customer care.','Source: Annual Report 2010, chapter Employees, page 80','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1003,1013],[1007,1045],[1008,1048],[1009,1066],[1000,1002]],'',''],[1247,'The New World of Work','Rabobank has been developing a new style of working based on Rabo Unplugged since 2005.','Source: Annual Report 2010, chapter Employees, page 80','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1006,1031],[1007,1045],[1008,1048],[1008,1049],[1008,1055],[1009,1066],[1000,1002]],'',''],[1248,'Diversity in the workplace','Rabobank Group wants to promote diversity in its workforce.','Source: Annual Report 2010, chapter Employees, page 80','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1003,1014],[1006,1031],[1007,1045],[1009,1066],[1000,1002]],'',''],[1249,'Women at the top','Encouraging more women to reach senior ranks remains an important issue.','Source: Annual Report 2010, chapter Employees, page 81','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1003,1014],[1006,1031],[1007,1045],[1009,1066],[1000,1002]],'',''],[1250,'A good employer','The popularity of working in the financial sector continued to decline in 2010. Rabobank was once again the winner of the Internal Reputation Award presented by Incompany business magazine, gaining the highest scores for reliability, transparency, soundness, modesty and pleasantness.','Source: Annual Report 2010, chapter Employees, page 81','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1003,1014],[1006,1031],[1007,1045],[1009,1066],[1000,1002]],'',''],[1251,'A new collective bargaining agreement','Rabobank concluded a new collective bargaining agreement (CBA) in July 2010, which is valid for 15 months.','Source: Annual Report 2010, chapter Employees, page 81','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1007,1044],[1007,1045],[1008,1048],[1008,1049],[1008,1050],[1008,1051],[1008,1055],[1009,1066],[1000,1002]],'',''],[1252,'Vision on remuneration','Rabobank has set out the principles of its remuneration policy in its group-wide ‘Vision on Remuneration’.','Source: Annual Report 2010, chapter Employees, page 81','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1003,1012],[1007,1040],[1007,1044],[1007,1045],[1009,1066],[1000,1002]],'',''],[1253,'Employability','An organisation that changes as much as Rabobank needs to pay constant attention to the employability of its employees.','Source: Annual Report 2010, chapter Employees, page 81','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1003,1012],[1003,1014],[1006,1031],[1007,1045],[1008,1048],[1008,1049],[1008,1050],[1008,1051],[1009,1066],[1000,1002]],'',''],[1254,'Absenteeism due to illness','At 3.8%, the rate of absenteeism in 2010 was fractionally higher than in 2009 (3.7%).\n\n','Source: Annual Report 2010, chapter Employees, page 82','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1006,1031],[1007,1045],[1009,1066],[1000,1002]],'',''],[1255,'Healthy banking in turbulent times','The Rabobank Group Occupational Health and Safety Service continued to focus on promoting the health of our organisation in 2010.','Source: Annual Report 2010, chapter Employees, page 82','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1003,1013],[1007,1045],[1009,1066],[1000,1002]],'',''],[1256,'Employee satisfaction','A total of 86% of employees of Rabobank Nederland and the local Rabobanks who took part in the periodic satisfaction survey in 2010 said that they were satisfied.','Source: Annual Report 2010, chapter Employees, page 82','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1003,1014],[1006,1031],[1007,1045],[1008,1048],[1008,1049],[1008,1051],[1008,1055],[1009,1066],[1000,1002]],'',''],[1257,'Health at work','The Health and Safety Service launched its ‘Looking at work’ campaign. De Lage Landen achieved better scores than the norm when it came to ability to work, duties, the workplace and attitude to work.','Source: Annual Report 2010, chapter Employees, page 82','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1003,1014],[1007,1045],[1007,1047],[1008,1048],[1008,1049],[1008,1055],[1009,1066],[1000,1002]],'',''],[1258,'Pension funds','Pension provisions for employees of the local Rabobanks, Rabobank Nederland, De Lage Landen, Obvion, Orbay and the Rabo Real Estate Group are administered by the Rabobank pension fund.','Source: Annual Report 2010, chapter Employees, page 83','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1002,1009],[1005,1024],[1007,1045],[1008,1048],[1008,1049],[1008,1051],[1008,1055],[1009,1066],[1008,1059],[1008,1060],[1000,1002]],'',''],[1259,'Employment Disputes Committee','The number of cases handled by the Employment Disputes Committee, which had been rising for years, finally stabilised in 2010, remaining unchanged.','Source: Annual Report 2010, chapter Employees, page 83','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1007,1045],[1008,1048],[1008,1049],[1008,1055],[1009,1066],[1000,1002]],'',''],[1260,'Whistleblower regulation','Rabobank Nederland and the local Rabobanks have a Regulation on the Internal Reporting of Malpractice (whistleblower regulation).','Source: Annual Report 2010, chapter Employees, page 83','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1006,1031],[1007,1045],[1008,1048],[1008,1049],[1009,1066],[1000,1002]],'',''],[1261,'Corporate governance','Owing to its cooperative organisation, Rabobank’s corporate governance is characterised by a unique system of checks and balances, and a high level of transparency.','Source: Annual Report 2010, chapter Corporate governance, page 84','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1006,1039],[1007,1040],[1007,1041],[1007,1042],[1008,1048],[1008,1049],[1009,1066],[1000,1002]],'',''],[1262,'Banking Code','Rabobank Nederland modelled its governance structure on the Banking Code in 2010.','Source: Annual Report 2010, chapter Corporate governance, page 84','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1007,1042],[1008,1049],[1009,1066],[1000,1002]],'',''],[1263,'Rabobank Group Code of Conduct','Our core values and the Rabobank Group Code of Conduct have regularly been brought to our employees’ attention over the past few years.','Source: Annual Report 2010, chapter Corporate governance, page 84','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1007,1042],[1007,1043],[1009,1066],[1000,1002]],'',''],[1264,'Executive Board of Rabobank Nederland','The Executive Board of Rabobank Nederland is responsible for managing Rabobank Nederland and its affiliated entities.','Source: Annual Report 2010, chapter Corporate governance, page 85','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1007,1040],[1007,1041],[1007,1042],[1007,1044],[1008,1049],[1009,1066],[1000,1002]],'',''],[1265,'Supervisory Board of Rabobank Nederland','The Supervisory Board supervises the policies pursued by the Executive Board and the general conduct of affairs at Rabobank Nederland and its affiliated entities.','Source: Annual Report 2010, chapter Corporate governance, page 85','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1007,1040],[1007,1041],[1007,1042],[1007,1044],[1008,1049],[1009,1066],[1000,1002]],'',''],[1266,'Central Delegates Assembly','The local Rabobanks are organised geographically in twelve Regional Delegates Assemblies, each with a Board of six. Together, the Boards of the Regional Delegates Assemblies form the Central Delegates Assembly (CDA), which meets four times a year in the city of Utrecht.','Source: Annual Report 2010, chapter Corporate governance, page 87','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1007,1040],[1007,1041],[1007,1042],[1008,1048],[1008,1049],[1009,1066],[1000,1002]],'',''],[1267,'General Meeting','The General Meeting is the body through which all local Rabobanks, being members of Rabobank Nederland, are able to exercise direct control.','Source: Annual Report 2010, chapter Corporate governance, page 87','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1007,1040],[1007,1041],[1007,1042],[1008,1048],[1008,1049],[1009,1066],[1000,1002]],'',''],[1268,'Relation between Rabobank Nederland and local Rabobanks','Rabobank Nederland was established to support the local Rabobanks’ banking business; in this capacity, it acts as a bankers’ bank. In addition, Rabobank Nederland oversees the local Rabobanks, partly on behalf of the Dutch regulators.','Source: Annual Report 2010, chapter Corporate governance, page 88','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1007,1040],[1007,1041],[1007,1042],[1008,1048],[1008,1049],[1009,1066],[1000,1002]],'',''],[1269,'Local Rabobanks','The General Meeting of Rabobank Nederland decided mid-2010 to replace the different governance models that were optional for the local Rabobanks by a single new governance model: the Rabo Model.','Source: Annual Report 2010, chapter Corporate governance, page 88','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1007,1040],[1007,1041],[1007,1042],[1008,1048],[1009,1066],[1000,1002]],'',''],[1270,'Employee participation at Rabobank Group','Rabobank attaches great value to consultations with the various employee representative bodies. Employee participation has been enabled at different levels within Rabobank Group.','Source: Annual Report 2010, chapter Corporate governance, page 89','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1007,1042],[1008,1048],[1008,1049],[1008,1051],[1008,1055],[1008,1060],[1009,1066],[1008,1062],[1000,1002]],'',''],[1271,'Banking Code','The Advisory Committee on the Future of Banks published, in the Netherlands, the report ‘Restoring Trust’ (Naar herstel van vertrouwen).The banking industry held follow-up talks on this matter, which led to the publication of the Dutch Banking Code.','Source: Annual Report 2010, chapter Banking Code, page 90','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1005,1025],[1006,1032],[1007,1042],[1007,1044],[1009,1066],[1000,1002]],'',''],[1272,'Scope Banking Code','A policy is in place at Rabobank Group to ensure the group-wide application of the Banking Code.','Source: Annual Report 2010, chapter Banking Code, page 90','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1007,1042],[1008,1048],[1008,1049],[1008,1051],[1008,1055],[1009,1066],[1008,1062],[1000,1002]],'',''],[1273,'Rabobank: customer interests and risk management as guiding principles','The way in which Rabobank generally deals with the subject matter covered in the Banking Code is described below, after which consideration is given to the specific steps taken by Rabobank in relation to the Banking Code in 2009 and 2010.','Source: Annual Report 2010, chapter Banking Code, page 91','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1010],[1005,1025],[1006,1032],[1007,1042],[1007,1044],[1009,1066],[1000,1002]],'',''],[1274,'Implementation Banking Code in 2010','Rabobank worked hard to implement the Banking Code in its entirety during 2010.','Source: Annual Report 2010, chapter Banking Code, page 92','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1007,1041],[1007,1042],[1007,1043],[1009,1066]],'',''],[1275,'Governance: Supervisory Board','To supplement the existing focus on refresher courses for members of the Supervisory Board, a new continuing education programme specifically designed for this group was launched in 2010.','Source: Annual Report 2010, chapter Banking Code, page 93','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1005,1025],[1007,1041],[1007,1042],[1009,1066],[1000,1002]],'',''],[1276,'Risk management','In 2010, several procedures were tightened up and a number of internal rules on risk management were amended in order to ensure full compliance with the risk management provisions of the Banking Code.\n\n','Source: Annual Report 2010, chapter Banking Code, page 93','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1005,1025],[1007,1041],[1007,1042],[1009,1066],[1000,1002]],'',''],[1277,'Product approval','The product approval process was tightened up in 2010 to comply with the Banking Code. Rabobank complies with all of the provisions of the Banking Code relating to audits.','Source: Annual Report 2010, chapter Banking Code, page 93','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1007,1042],[1009,1066],[1000,1002]],'',''],[1278,'Remuneration','Rabobank endorses the guiding principles of the Banking Code for a prudent, restrained and sustainable remuneration policy. In 2010, a number of procedures were revised and tightened to improve safeguards in this area further.','Source: Annual Report 2010, chapter Banking Code, page 94','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1007,1040],[1007,1041],[1007,1042],[1007,1044],[1009,1066],[1000,1002]],'',''],[1279,'Overview provisions Banking Code','The guiding principles of the Banking Code are self-evident to Rabobank. It welcomes the Banking Code and put a great deal of energy into its implementation in 2010.','Source: Annual Report 2010, chapter Banking Code, page 94','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1007,1042],[1000,1002]],'',''],[1281,'Members of the Executive Board of Rabobank Nederland','Members of the Executive Board and their areas of responsibility.','Source: Annual Report 2010, chapter Management, page 95','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1007,1041],[1007,1042],[1007,1047],[1008,1049],[1001,1005],[1009,1066],[1009,1080],[1000,1002]],'',''],[1282,'Supervisory Board of Rabobank Nederland','Overview members of the committees of the Supervisory Board.','Source: Annual Report 2010, chapter Management, page 96','aj',1,0,[[1000,1000],[1001,1005],[1000,1001],[1010,1072],[1007,1041],[1007,1042],[1008,1049],[1000,1002]],'',''],[1283,'Directors and CEOs','Overview Directors and CEOs of Rabobank Nederland.','Source: Annual Report 2010, chapter Management, page 96','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1007,1041],[1007,1042],[1008,1049],[1008,1050],[1008,1051]],'',''],[1284,'Management Teams at Rabobank International','Overview Management Team at Rabobank International.','Source: Annual Report 2010, chapter Management, page 97','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1007,1041],[1007,1042],[1008,1050]],'',''],[1285,'CEOs of key subsidiaries','Overview CEOs of key subsidiaries.','Source: Annual Report 2010, chapter Management, page 97','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1007,1041],[1007,1042],[1008,1051],[1008,1052],[1008,1053],[1008,1055],[1008,1062],[1009,1066],[1009,1068],[1001,1005],[1008,1059],[1008,1063],[1008,1064]],'',''],[1286,'Report of the Supervisory Board of Rabobank Nederland','In 2010, Rabobank managed to bring about a substantial increase in its net profit compared to 2009 and bolster its already robust financial position despite global economic turmoil.','Source: Annual Report 2010, chapter Report of the Supervisory Board of Rabobank Nederland, page 98','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1003,1013],[1007,1040],[1007,1041],[1007,1042],[1007,1044],[1008,1051],[1008,1055],[1009,1066],[1000,1002]],'',''],[1287,'Supervisory Board of Rabobank Nederland','In performing its duties, the Supervisory Board focuses on the interests of Rabobank Nederland and its affiliated entities.','Source: Annual Report 2010, chapter Report of the Supervisory Board of Rabobank Nederland, page 98','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1007,1041],[1007,1042],[1009,1066],[1000,1002]],'',''],[1288,'Appointments and re-appointments','Appointments and re-appointments to the Supervisory Board are made by the General Meeting on the recommendation of the Supervisory Board and subject to consultation with the Central Delegates Assembly.','Source: Annual Report 2010, chapter Report of the Supervisory Board of Rabobank Nederland, page 99','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1007,1041],[1007,1042],[1009,1066],[1000,1002]],'',''],[1289,'The Supervisory Board are keeping track of developments','The Chairman of the Supervisory Board is in close contact with the Chairman of the Executive Board.','Source: Annual Report 2010, chapter Report of the Supervisory Board of Rabobank Nederland, page 99','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1007,1041],[1007,1042],[1009,1066],[1000,1002]],'',''],[1290,'Meeting frequency Supervisory Board','The Supervisory Board met nine times in 2010.','Source: Annual Report 2010, chapter Report of the Supervisory Board of Rabobank Nederland, page 99','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1007,1041],[1007,1042],[1009,1066],[1000,1002]],'',''],[1291,'Audit, Compliance & Risk Committee','The Audit, Compliance & Risk Committee (ACRC) helps the Supervisory Board prepare for its decision-making in relation to its supervision of the Executive Board.','Source: Annual Report 2010, chapter Report of the Supervisory Board of Rabobank Nederland, page 100','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1005,1025],[1007,1042],[1009,1066],[1000,1002]],'',''],[1292,'Cooperative Affairs Committee','The Cooperative Affairs Committee (CAC) helps the Supervisory Board prepare for its decision-making in relation to its supervision of the Executive Board’s policy plans for the cooperative structure of the local Rabobanks and Rabobank Nederland.','Source: Annual Report 2010, chapter Report of the Supervisory Board of Rabobank Nederland, page 101','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1007,1040],[1007,1042],[1009,1066],[1000,1002]],'',''],[1293,'Appointment Committee','The Appointment Committee helps the Supervisory Board prepare for its decision-making in relation to the composition of, and appointments and re-appointments to, the Supervisory Board and the Executive Board.','Source: Annual Report 2010, chapter Report of the Supervisory Board of Rabobank Nederland, page 101','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1007,1041],[1007,1042],[1009,1066],[1000,1002]],'',''],[1294,'Remuneration Committee','The Remuneration Committee helps the Supervisory Board prepare for its decision-making in relation to the remuneration of the members of the Executive Board and the remuneration policy for members of senior management.','Source: Annual Report 2010, chapter Report of the Supervisory Board of Rabobank Nederland, page 101','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1007,1042],[1007,1044],[1000,1002]],'',''],[1295,'Appeals Committee','The Appeals Committee acts as an advisory appellate body in disputes between local Rabobanks or between one or more local Rabobanks and Rabobank Nederland.','Source: Annual Report 2010, chapter Report of the Supervisory Board of Rabobank Nederland, page 101','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1007,1041],[1007,1042],[1009,1066]],'',''],[1296,'Activities of the Supervisory Board in 2010','In accordance with its formal duties and responsibilities, the Supervisory Board supervised the policies pursued by the Executive Board and the general conduct of affairs at Rabobank Nederland and its affiliated entities. In addition, it served as a sparring partner to the Executive Board.','Source: Annual Report 2010, chapter Report of the Supervisory Board of Rabobank Nederland, page 101','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1003,1012],[1003,1013],[1007,1041],[1007,1042],[1009,1066],[1000,1002]],'',''],[1297,'Financial statements 2009, interim report 2010 and budget for 2011','Areas of special attention for the Supervisory Board in 2010.','Source: Annual Report 2010, chapter Report of the Supervisory Board of Rabobank Nederland, page 102','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1003,1013],[1007,1041],[1007,1042],[1009,1066],[1000,1002]],'',''],[1298,'Re-appointment of independent external auditor','On the recommendation of the Supervisory Board, the General Meeting re-appointed Ernst & Young Accountants LLP, the independent external auditor, for a period of three years.','Source: Annual Report 2010, chapter Report of the Supervisory Board of Rabobank Nederland, page 102','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1007,1041],[1007,1042],[1009,1066]],'',''],[1299,'Strategic developments','In 2010, the Central Delegates Assembly adopted the updated version of the Rabobank Group Strategic Framework for 2009-2012.','Source: Annual Report 2010, chapter Report of the Supervisory Board of Rabobank Nederland, page 102','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1003,1012],[1007,1041],[1007,1042],[1008,1050],[1008,1056],[1009,1066],[1000,1002]],'',''],[1300,'Changes to internal governance','In 2010, Rabobank aligned its internal governance to the provisions of new regulations.','Source: Annual Report 2010, chapter Report of the Supervisory Board of Rabobank Nederland, page 103','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1007,1041],[1007,1042],[1007,1044],[1009,1066]],'',''],[1301,'Acquisitions and disposals','Overview of acquisitions and disposals in The Netherlands and abroad.','Source: Annual Report 2010, chapter Report of the Supervisory Board of Rabobank Nederland, page 103','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1007,1041],[1007,1042],[1008,1070],[1008,1054],[1009,1066],[1000,1002]],'',''],[1302,'Local Rabobanks','In 2010, the General Meeting approved the introduction of the Rabo Model as the governance model for the local Rabobanks. ','Source: Annual Report 2010, chapter Report of the Supervisory Board of Rabobank Nederland, page 103','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1007,1040],[1007,1041],[1007,1042],[1007,1047],[1008,1048],[1009,1066],[1000,1002]],'',''],[1303,'Corporate social responsibility','The Supervisory Board is pleased to note that Rabobank went on in 2010 to further embed corporate social responsibility in its service offering.','Source: Annual Report 2010, chapter Report of the Supervisory Board of Rabobank Nederland, page 104','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1009],[1007,1041],[1007,1042],[1009,1066],[1000,1002]],'',''],[1304,'Remuneration policy','Rabobank pursues a prudent, restrained and sustainable remuneration policy.','Source: Annual Report 2010, chapter Report of the Supervisory Board of Rabobank Nederland, page 104','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1007,1041],[1007,1042],[1007,1044],[1009,1066]],'',''],[1305,'Evaluation of performance and remuneration of members of Executive Board','Overview of the remuneration of the members and former members of the Executive Board of Rabobank Nederland.','Source: Annual Report 2010, chapter Report of the Supervisory Board of Rabobank Nederland, page 104','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1007,1040],[1007,1041],[1007,1042],[1007,1044],[1009,1066]],'',''],[1306,'Self-assessment','The Supervisory Board reviews its own performance and that of the separate committees on an ongoing basis.','Source: Annual Report 2010, chapter Report of the Supervisory Board of Rabobank Nederland, page 105','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1007,1041],[1007,1042],[1009,1066]],'',''],[1307,'Strong performance','The Supervisory Board is pleased with the general conduct of business and the way in which the Executive Board managed to counter the ramifications of the challenging financial and economic conditions during the year under review.','Source: Annual Report 2010, chapter Report of the Supervisory Board of Rabobank Nederland, page 105','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1007,1041],[1007,1042],[1009,1066]],'',''],[1308,'Independent auditor’s report on the financial information','Independent auditor’s report on the financial information.','Source: Annual Report 2010, chapter Independent auditor\'s report on the financial information, page 113','aj',1,0,[[1000,1000],[1000,1001],[1010,1072],[1002,1008],[1009,1066]],'',''],[1419,'General information','Rabobank Group is an international financial services provider operating on the basis of cooperative principles whose core comprises 141 local Rabobanks with over 900 branches in the Netherlands.','Source: Consolidated Financial Statements 2010, chapter General information, page 3','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1007,1046],[1009,1066]],'',''],[1420,'Consolidated statement of financial position','Total assets in millions of euros: 652,536.','Source: Consolidated Financial Statements 2010, chapter Consolidated statement, page 4','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1022],[1005,1023],[1009,1068]],'',''],[1421,'Consolidated statement of income','Net profit in millions of euros: 2,772.','Source: Consolidated Financial Statements 2010, chapter Consolidated statement, page 6','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1022],[1005,1024],[1009,1068],[1001,1005]],'',''],[1422,'Consolidated statement of comprehensive income','Total comprehensive income in millions of euros: 3,847.','Source: Consolidated Financial Statements 2010, chapter Consolidated statement, page 7','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1024],[1009,1068],[1001,1005]],'',''],[1423,'Consolidated statement of changes in equity','Total equity in millions of euros: 37,883.','Source: Consolidated Financial Statements 2010, chapter Consolidated statement, page 8','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1026],[1009,1068],[1001,1005]],'',''],[1424,'Consolidated statement of cash flows','Total cash and cash equivalents in millions of euros: 13,471.','Source: Consolidated Financial Statements 2010, chapter Consolidated statement, page 9','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1024],[1009,1068],[1001,1005]],'',''],[1425,'1 Basis of consolidation','Rabobank Group comprises the local Rabobanks (‘Members’) in the Netherlands, the central cooperative Rabobank Nederland and other specialised subsidiaries.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 10','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1426,'2 Accounting policies','The main accounting policies used in preparing these consolidated financial statements are explained in this article.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 10','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1427,'2.1.1 Changes in accounting policies and presentation','Compared with the 2009 consolidated financial statements, the treatment of impairments of ‘Loans to customers’ previously classified as ‘Available-for-sale financial assets’ has changed.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 11','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1428,'2.2 Group financial statements','Rabobank Group comprimes the local Rabobanks in de Netherlands, the central cooperative Rabobank Nederland and other specialised subsidiaries. Together they form Rabobank Group.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 12','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1024],[1005,1028],[1005,1029],[1009,1066]],'',''],[1429,'2.3 Derivative financial instruments and hedging','Derivative financial instruments generally comprise foreign exchange contracts.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 13','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1430,'2.4 Trade liabilities and other liabilities at fair value through profit or loss','Trade liabilities are mainly negative fair values of derivative financial instruments and delivery obligations arising on short selling of securities.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 14','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1431,'2.5 Trading financial assets','Trading financial assets are acquired to realise gains from short-term fluctuations in the prices or margins of traders.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 14','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1432,'2.6 Other financial assets and liabilities at fair value through profit or loss','Rabobank has opted to classify financial instruments not acquired or entered into for realising gains from short-term fluctuations in traders’ prices or margins at fair value through profit or loss.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 14','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1433,'2.7 Day 1 profit','Discrepancies between the transaction price and fair value may arise if valuation techniques are applied at the time of the transaction.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 14','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1434,'2.8 Available-for-sale financial assets','Management determines the classification of financial assets on the date of acquisition.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 14','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1435,'2.9 Held-to-maturity financial assets','Financial assets with fixed terms and cash flows are classified as held-to-maturity financial assets.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 15','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1436,'2.10 Repurchase agreements and reverse repurchase agreements','Financial assets that are sold subject to related sale and repurchase agreements are included in the financial statements. ','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 15','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1437,'2.11 Securitisations and other derecognition constructions','Rabobank securitises, sells and carries various financial assets. Those assets are sometimes sold to special purpose entities, which then issue securities to investors.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 15','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1438,'2.12 Cash and cash equivalents','Cash equivalents are highly liquid short-term investments.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 16','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1439,'2.13 Netting of financial assets and liabilities','Financial assets and liabilities are set off. ','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 16','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1440,'2.14 Foreign currencies','Items included in the financial statements.\n','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 16','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1441,'2.15 Interest','Interest income and expense for all interest-bearing instruments is recognised in profit or loss on an accrual basis.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 16','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1442,'2.16 Commission','Income from asset management activities consists mainly of unit trust, fund management commission and administration.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 17','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1443,'2.17 Loans to customers and Due from other banks','Loans to customers and Due from other banks are non-derivative financial instruments with fixed or defined payments.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 17','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1444,'2.18 Intangible assets','Goodwill is the amount by which the acquisition price paid for a subsidiary or associate exceeds the fair value.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 17','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1445,'2.19 Property and equipment','Equipment is recognised at historical cost net of accumulated depreciation and impairments if applicable.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 18','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1028],[1005,1029],[1009,1066],[1009,1068]],'',''],[1446,'2.20 Investment properties','Investment properties, mainly office buildings, are held for their long-term rental income and are not used by Rabobank or its subsidiaries.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 19','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1447,'2.21 Work in progress','Work in progress is included in ‘Other assets’.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 19','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1448,'2.22 Leasing','Leases relating to property and equipment  are classified as finance leases.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 19','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1449,'2.23 Provisions','Provisions are recognised if Rabobank has a present obligation (legal or constructive).','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 19','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1450,'2.24 Employee benefits','Rabobank has various pension plans in place based on the local conditions and practices of the countries in which it operates.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 20','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1451,'2.25 Tax','Current tax receivables and payables are set off if there is a legally enforceable right to set off such items and if simultaneous treatment or settlement is intended.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 20','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1452,'2.26 Due to other banks, due to customers and debt securities in issue','These borrowings are initially recognised at fair value.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 21','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1453,'2.27 Rabobank Member Certificates','These are the certificates for shares in the capital of Rabobank Ledencertificaten N.V., Rabobank Ledencertificaten II N.V. and Rabobank Ledencertificaten III N.V. respectively issued in 2000, 2001, 2002 and 2005.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 21','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1028],[1005,1029],[1007,1044],[1007,1045],[1009,1066]],'',''],[1454,'2.28 Trust Preferred Securities and Capital Securities','Trust Preferred Securities are classified as financial liabilities and included under ‘Subordinated debt’.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 21','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1455,'2.29 Financial guarantees','Financial guarantees are measured at fair value.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 21','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1456,'2.30 Segment information','A segment is a distinguishable component of Rabobank.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 21','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1457,'2.31 Statement of cash flows','Cash and cash equivalents comprises cash resources, money market deposits and deposits at central banks.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 21','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1028],[1005,1029],[1009,1066]],'',''],[1458,'3 Solvency','As a bank, Rabobank is subject to a number of statutory requirements, one of which concerns the minimum solvency position.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 22','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1025],[1005,1029],[1009,1066],[1009,1068]],'',''],[1459,'4 Risk exposure of financial instruments','Rabobank Group manages risks at various levels.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 22','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1025],[1005,1029],[1007,1042],[1009,1066]],'',''],[1460,'4.2 Strategy for the use of financial instruments','Rabobank’s activities are inherently related to the use of financial instruments, including derivative financial instruments.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 23','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1003,1012],[1005,1025],[1005,1029],[1009,1066]],'',''],[1461,'4.3 Interest rate risk','On account of its activities Rabobank is exposed to interest rate risk in its core business.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 23','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1025],[1005,1029],[1009,1066]],'',''],[1462,'4.3.1  Income at risk','The table sets out the basis point sensitivity of the interest rate result for the next two years based on a level statement of financial position structure and no management intervention.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 23','jr',1,0,[[1000,1000],[1000,1001],[1001,1005],[1010,1073],[1002,1008],[1005,1025],[1005,1029],[1009,1066],[1009,1068]],'',''],[1463,'4.4 Credit risk','Credit risk is the risk that a counterparty is unable to meet a financial or other contractual obligation vis-à-vis the bank.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 24','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1025],[1005,1029],[1009,1066]],'',''],[1464,'4.4.1 Maximum credit risk','The table sets out the maximum credit risk.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 24','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1025],[1005,1029],[1009,1066],[1009,1068]],'',''],[1465,'4.4.2 Loans','The loans to private customers account for 48% of all loans to customers.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 25','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1025],[1005,1029],[1009,1066],[1009,1068]],'',''],[1466,'4.4.2 TIS loan portfolio analysed by industry','The proportion of the total loan portfolio attributable to trade, industry and services was 34% at year-end 2010.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 26','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1025],[1005,1029],[1009,1068],[1001,1005]],'',''],[1467,'4.4.2 Food and agri loan portfolio analysed by industry','The proportion of the total loan portfolio attributable to the food & agri sector was 18% in 2010.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 26','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1025],[1005,1029],[1009,1068]],'',''],[1468,'4.4.3 Derivative financial instruments','Rabobank sets strict limits for open positions, in amounts as well as in terms.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 26','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1025],[1005,1029],[1009,1066]],'',''],[1469,'4.4.4 Credit risk management methods','Rabobank’s credit risk exposure is restricted in part by obtaining collateral where necessary.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 26','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1025],[1005,1029],[1009,1066]],'',''],[1470,'4.4.5 Off-balance-sheet financial instruments','The guarantees and stand-by letters of credit which Rabobank provides to third parties in the event a client cannot fulfil its obligations vis-à-vis these third parties, are exposed to credit risk.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 27','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1025],[1005,1029],[1009,1066]],'',''],[1471,'4.4.6 Credit quality of financial assets','In its financing approval process, Rabobank Group uses the Rabobank Risk Rating, which reflects the counterparty’s probability of default over a one-year period.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 27','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1025],[1005,1029],[1009,1066],[1009,1068]],'',''],[1472,'4.4.6 Age analysis of financial assets but unimpaired','The table gives an age analysis of financial assets expired but unimpaired.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 28','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1009,1066],[1009,1068],[1005,1025],[1005,1029]],'',''],[1473,'4.4.6. Structured credit, monolineverzekeraars en overheden','Due to the cautious economic recovery and the conditions in the financial markets, limited additional provisions were formed.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 28','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1009,1066],[1009,1068],[1005,1025],[1005,1029]],'',''],[1474,'4.5 Currency risk','Rabobank is exposed to exchange rate fluctuations impacting the financial position and cash flows.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 30','jr',1,0,[[1000,1000],[1010,1073],[1002,1008],[1005,1025],[1005,1029],[1009,1066]],'',''],[1475,'4.6 Liquidity risk','Rabobank is exposed to liquidity risk.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 30','jr',1,0,[[1000,1000],[1000,1001],[1001,1005],[1010,1073],[1002,1008],[1005,1025],[1005,1029],[1009,1066]],'',''],[1476,'4.6 Non-discounted liabilities','Rabobank’s non-discounted liabilities grouped by the liquidity period. ','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 31','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1009,1066],[1009,1068],[1005,1025],[1005,1029]],'',''],[1477,'4.6 Discounted liabilities','Rabobank’s assets and liabilities grouped by the period. ','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 31','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1009,1066],[1009,1068],[1005,1025],[1005,1029]],'',''],[1478,'4.7 Market risk','A market risk arises on open positions in relation to interest rates, currency, credit spreads, commodities and share-based products, all of which are affected by general and specific market movements.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 32','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1025],[1005,1029],[1009,1066],[1009,1068]],'',''],[1479,'VAR (1 day, 97.5%)','The table shows the composition of the VaR.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 33','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1009,1066],[1009,1068],[1005,1025],[1005,1029]],'',''],[1480,'4.8 Operational risk','Rabobank Group has opted to manage its operational risks at group level from Group Risk Management.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 34','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1025],[1005,1029],[1009,1066]],'',''],[1481,'4.9 Fair value of financial assets and liabilities','The table in the next article shows the fair values of financial instruments based on the stated valuation methods and assumptions.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 34','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1025],[1005,1029],[1009,1066]],'',''],[1482,'4.9 Table Fair value of financial assets and liabilities','Total financial assets in millions of euros: 628,420. Total financial liabilities in millions of euros: 603,790.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 35','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1025],[1005,1029],[1009,1066],[1009,1068]],'',''],[1483,'4.9 Valuation methods determination fair value financial assets and liabilities','The table illustrates the fair value hierarchy used in determining the fair value of financial assets and liabilities.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 35','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1025],[1005,1029],[1009,1066],[1009,1068]],'',''],[1484,'4.9 Financial instruments at fair value in category 3','The system used to calculate the sensitivity of the category 3 financial instruments was refined further in 2010. The comparative figures were restated accordingly.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 36','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1025],[1005,1029],[1009,1066],[1009,1068]],'',''],[1485,'4.9 Financial instruments in category 3 - fair value changes through profit or loss','The amount in total gains or losses presented in the statement of income.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 37','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1025],[1005,1029],[1009,1066],[1009,1068]],'',''],[1486,'4.9 Provision for Day 1 profit','Overview of the changes in deferred profit of the trading financial assets.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 38','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1025],[1005,1029],[1009,1066],[1009,1068]],'',''],[1487,'4.10 Securities services','Rabobank provides management, advisory and custody services.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 38','jr',1,0,[[1000,1000],[1010,1073],[1002,1008],[1005,1025],[1005,1029],[1009,1066]],'',''],[1488,'5 Business segments','The business segments Rabobank uses in its reporting are defined from a management viewpoint.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 39','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1022],[1005,1023],[1005,1024],[1005,1027],[1005,1029],[1009,1066]],'',''],[1489,'5 Business segments (results 2010)','Total assets in millions of euros: 652,536. Total liabilities in millions of euros: 611,779.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 40','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1022],[1005,1023],[1005,1024],[1005,1027],[1005,1029],[1009,1068],[1001,1005]],'',''],[1490,'5 Business segments (results 2009)','Business unit assets in millions of euros: 607,483. Total liabilities in millions of euros: 569,600.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 41','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1022],[1005,1023],[1005,1024],[1005,1027],[1005,1029],[1009,1068],[1001,1005]],'',''],[1491,'5 Business segments (results by regions)','Total assets from external clients in millions of euros: 1,716. Investments in property\nand equipment and intangible assets  in millions of euros: 1,812. \n','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 42','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1022],[1005,1023],[1005,1024],[1005,1027],[1005,1029],[1009,1068],[1001,1005]],'',''],[1492,'6 Cash and cash equivalents','Total cash and cash equivalents in millions of euros: 13,471.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 42','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1023],[1005,1029],[1009,1066],[1009,1068]],'',''],[1493,'7 Due from other banks','Total due from other banks in millions of euros: 33,511.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 42','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1023],[1005,1029],[1009,1066],[1009,1068]],'',''],[1494,'8 Trading financial assets','Total  trading financial assets in millions of euros: 12,987.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 43','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1023],[1005,1029],[1009,1068]],'',''],[1495,'9 Other financial assets at fair value through profit or loss','The maximum credit risk of other financial assets at fair value through profit or loss is 8,553 (2009: 6,655) in million of euros.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 43','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1023],[1005,1029],[1009,1066],[1009,1068]],'',''],[1496,'10 Derivatives and other trade liabilities','Forward currency and interest rate contracts are contractual obligations.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 43','jr',1,0,[[1000,1000],[1000,1001],[1001,1005],[1010,1073],[1002,1008],[1005,1023],[1005,1029],[1009,1066]],'',''],[1497,'10.2 Derivative financial instruments issued or held for trading','Rabobank trades in financial instruments to take positions in tradable or OTC instruments.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 44','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1023],[1005,1029],[1009,1066]],'',''],[1498,'10.3 Derivative financial instruments held as hedges','Rabobank concludes various derivative contracts that are intended as fair value, cash flow or net investment hedges, and which accordingly qualify as such.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 44','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1023],[1005,1029],[1009,1066]],'',''],[1499,'10.4 Notional amount and fair value','Although the notional amount of certain types of financial instruments provides a basis for comparing instruments that are included in the statement of financial position.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 45','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1023],[1005,1029],[1009,1066]],'',''],[1500,'10.4 Notional amount and fair value (results 2010)','Overview notional amounts and the fair values derivative contracts in 2010.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 46','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1023],[1005,1029],[1009,1068],[1001,1005]],'',''],[1501,'10.4 Notional amount and fair value (results 2009)','Overview notional amounts and the fair values derivative contracts in 2009.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 47','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1023],[1005,1029],[1009,1068],[1001,1005]],'',''],[1502,'11 Loans to customers','The impairment of reclassified assets amounts to 61 (2009: 486) millions of euros.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 48','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1023],[1005,1029],[1009,1066],[1009,1068]],'',''],[1503,'11 Reclassified assets','Based on the amendments to IAS 39 and IFRS 7, ‘Reclassification of financial assets’, Rabobank reclassified a number of ‘Trading financial assets’ and ’Available-for-sale financial assets’ to ‘Loans to customers’ and ‘Due from other banks’ in 2008.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 49','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1023],[1005,1029],[1009,1066],[1009,1068]],'',''],[1504,'11 Finance leases','Loans to customers also includes receivables from finance leases.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 49','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1023],[1005,1029],[1009,1066],[1009,1068]],'',''],[1505,'12 Available-for-sale financial assets','The impairment of available-for-sale financial assets amounts to 21 (2009: 33) millions of euros.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 50','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1023],[1005,1024],[1005,1029],[1009,1066],[1009,1068]],'',''],[1506,'13 Held-to-maturity financial assets','Total held-to-maturity financial assets in millions of euros: 218.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 50','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1023],[1005,1029],[1009,1068]],'',''],[1507,'14 Investments in associates','The main investments made in 2010 (totalling 19) were Butte Community Bank, Napa Community Bank and Pacific State Bank in the United Statesates’.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 50','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1023],[1005,1029],[1009,1066],[1009,1068]],'',''],[1508,'15 Intangible assets','Goodwill is reviewed for impairment by comparing the carrying amount of the cash-generating unit with the best estimate of the value in use of the cash-generating unit.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 51','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1023],[1005,1029],[1009,1066],[1009,1068]],'',''],[1509,'16 Property and equipment','Overview property and equipment.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 52','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1023],[1005,1029],[1009,1068],[1001,1005]],'',''],[1510,'17 Investment properties','In 2010, 52% (2009: 34%) of the fair value of total investment properties was measured using cash flow models.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 52','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1023],[1005,1029],[1009,1066],[1009,1068]],'',''],[1511,'18 Other assets','Overview other assets.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 53','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1023],[1005,1029],[1009,1068]],'',''],[1512,'19 Due to other banks','Overview due to other banks. ','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 53','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1023],[1005,1029],[1009,1068]],'',''],[1513,'20 Due to customers','Due to customers also includes investments of central banks amounting to 12 billions of euros.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 53','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1023],[1005,1029],[1009,1066],[1009,1068]],'',''],[1514,'21 Debt securities in issue','Overview debt securities in issue.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 54','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1023],[1005,1029],[1009,1066],[1009,1068]],'',''],[1515,'22 Other liabilities','Overview other liabilities.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 54','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1023],[1005,1029],[1009,1068],[1001,1005]],'',''],[1516,'23 Other financial liabilities at fair value through profit or loss','Change in the fair value.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 54','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1023],[1005,1029],[1009,1066],[1009,1068]],'',''],[1517,'24 Provisions','Rabobank recognised the following provisions during the year.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 55','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1023],[1005,1029],[1009,1066],[1009,1068]],'',''],[1518,'25 Deferred tax','Deferred tax assets and liabilities are measured for all temporary differences using the ‘liability’ method.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 56','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1023],[1005,1029],[1009,1066],[1009,1068]],'',''],[1519,'26 Employee benefits','Overview employee benefits','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 57','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1023],[1005,1029],[1007,1045],[1009,1068]],'',''],[1520,'26.1 Pension plans','Rabobank has implemented several pension plans covering a significant percentage of its employees.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 57','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1023],[1005,1029],[1009,1066],[1009,1068]],'',''],[1521,'26.1 Present value of liabilities administered by funds','Overview present value of liabilities administered by funds.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 58','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1023],[1005,1029],[1009,1068]],'',''],[1522,'26.1  Fair value of plan assets','Overview fair value of plan assets.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 58','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1023],[1005,1029],[1009,1068]],'',''],[1523,'26.1 Income from investments and cost of defined benefit plans','Actual income from investments in millions of euros: 1,442. Total cost of defined benefit plans in millions of euros: 290.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 58','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1023],[1005,1029],[1009,1066],[1009,1068]],'',''],[1524,'26.2 Other employee benefits','Other employee benefits mainly comprise early retirement liabilities/non-active persons scheme and liabilities for future long-service awards.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 59','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1023],[1005,1029],[1009,1066]],'',''],[1525,'27 Subordinated debt','Changes in the Trust Preferred Securities II are stated in the table below.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 59','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1023],[1005,1029],[1009,1066],[1009,1068]],'',''],[1526,'28 Contingencies and commitments','Credit granting liabilities represent the unused portions of funds authorised for the granting of credit.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 59','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1023],[1005,1029],[1009,1066],[1009,1068]],'',''],[1527,'29 Equity','This item includes equity of Rabobank Nederland and local Rabobanks.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 60','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1023],[1005,1029],[1009,1066],[1009,1068]],'',''],[1528,'30 Rabobank Member Certificates issued by a group company','As part of its member loyalty programme, Rabobank issued member certificates between 2000 and 2005.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 61','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1023],[1005,1024],[1005,1029],[1009,1066],[1009,1068]],'',''],[1529,'31 Capital Securities and Trust Preferred Securities III to VI','The Capital Securities can be broken down as follows.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 62','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1023],[1005,1024],[1005,1029],[1009,1066],[1009,1068]],'',''],[1530,'31 Trust Preffered Securities III toVI','In 2004, four tranches of non-cumulative Trust Preferred Securities were issued.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 63','unknown',1,0,[[1000,1000],[1000,1001],[1002,1008],[1005,1023],[1005,1024],[1005,1029],[1009,1066],[1009,1068]],'',''],[1531,'32 Non-controlling interests','This item relates to shares held by third parties in subsidiaries and other group companies.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 64','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1023],[1005,1024],[1005,1029],[1009,1066],[1009,1068]],'',''],[1532,'33 Interest','Capitalised interest attributable to qualifying assets amounted to 19 millions of euros. ','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 65','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1024],[1005,1029],[1009,1066],[1009,1068]],'',''],[1533,'34 Commission','Overview commission.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 65','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1024],[1005,1029],[1009,1068]],'',''],[1534,'35 Income from associates','Overview result Income from associates.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 66','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1024],[1005,1029],[1009,1066],[1009,1068]],'',''],[1535,'36 Net income from financial assets and liabilities at fair value through profit or loss','Net income from currency trading also includes gains and losses on spot and forward contracts, options, futures and assets and liabilities denominated in foreign currencies.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 66','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1024],[1005,1029],[1009,1066],[1009,1068]],'',''],[1536,'37 Other income','Rental income includes operating lease income and rental income from investment properties.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 66','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1024],[1005,1029],[1009,1066],[1009,1068]],'',''],[1537,'38 Staff costs','Expressed in FTEs, the average number of employees in 2010 was 59,012 millions of euros.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 67','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1024],[1005,1029],[1007,1045],[1009,1066],[1009,1068]],'',''],[1538,'39 Other administrative expenses','This item includes office supplies, travel expenses, IT expenses, postage, advertising, rent, maintenance of buildings, etc.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 67','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1024],[1005,1029],[1009,1066],[1009,1068]],'',''],[1539,'40 Depreciation and amortisation','Overview depreciation and amortization.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 67','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1024],[1005,1029],[1009,1068]],'',''],[1540,'41 Value adjustments','Overview value adjustments.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 67','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1024],[1005,1029],[1009,1068]],'',''],[1541,'42 Income tax expense','The taxation on operating profit of Rabobank differs from the nominal amount based on Dutch standard tax rates.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 67','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1024],[1005,1029],[1009,1066],[1009,1068]],'',''],[1542,'43 Transactions with related parties','Two parties are considered related if one party exercises control or has significant influence over the other party (regarding finance or operating decisions).','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 68','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1029],[1009,1066],[1009,1068]],'',''],[1543,'44 Fees for services in accordance with Section 382a of Book 2 of the Dutch Civil Code','Overview fees for services in accordance with Section 382a of Book 2 of the Dutch Civil Code.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 69','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1029],[1009,1066],[1009,1068]],'',''],[1544,'45 Supervisory Board and Executive Board','Rabobank regards the members of the Executive Board as key management personnel. ','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 70','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1029],[1007,1041],[1007,1044],[1009,1066],[1009,1068],[1007,1045]],'',''],[1545,'46 Principal subsidiaries and associates','Rabobanks hold less than 20% of the voting rights in Equens, but has significant influence over Equens.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 71','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1029],[1009,1066],[1009,1068]],'',''],[1546,'47 Joint ventures','Joint ventures with third parties in which none of the parties has control are consolidated proportionally.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 72','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1029],[1009,1066],[1009,1068]],'',''],[1547,'48 Financial assets provided as collateral and (reverse) repurchase transactions','Reverse repurchase transactions and securities borrowing agreements concluded by Rabobank are included under ‘Due from other banks’ or ‘Loans to customers’.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 72','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1029],[1009,1066],[1009,1068]],'',''],[1548,'49 Securitisations','As part of Rabobank Group’s financing activities and the reduction of credit risk, cash flows from certain financial assets are transferred to third parties.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 73','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1025],[1005,1029],[1009,1066]],'',''],[1549,'50 Events after the reporting date','No events after the reporting date have occurred.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 73','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1029],[1009,1066]],'',''],[1550,'51 Consolidated statement of financial position at 1 January 2009','Total assets in millions of euros: 612,096.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 74','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1023],[1005,1029],[1009,1068]],'',''],[1551,'52 Management’s report on internal control over financial reporting','The management of Rabobank Nederland is responsible for establishing and maintaining adequate internal control over financial reporting.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 75','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1029],[1009,1066]],'',''],[1552,'53 Approval of Supervisory Board','The publication of these consolidated financial statements was approved by the Supervisory Board on 28 February 2011.','Source: Consolidated Financial Statements 2010, chapter Notes to the consolidated financial statements, page 76','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1029],[1007,1041],[1009,1066]],'',''],[1553,'Independent auditor’s report','Auditor’s report Ernst & Young.','Source: Consolidated Financial Statements 2010, chapter Independent auditor\'s report, page 77','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1029],[1007,1041],[1009,1066]],'',''],[1554,'Independent auditor’s assurance report','Assurance report Ernst & Young.','Source: Consolidated Financial Statements 2010, chapter Independent auditor\'s assurance report, page 79','jr',1,0,[[1000,1000],[1000,1001],[1010,1073],[1002,1008],[1005,1029],[1009,1066]],'',''],[1002,'rabobank.nl','','','unknown',1,1,[[1000,1002]],'http://www.rabobank.nl',''],[1004,'obvion.nl','','','unknown',1,1,[[1000,1002]],'http://www.obvion.nl',''],[1003,'rabobank.com','','','unknown',1,1,[[1000,1002]],'http://www.rabobank.com',''],[1049,'bgz.pl','','','unknown',1,1,[[1000,1002]],'http://www.bgz.pl',''],[1050,'accbank.ie','','','unknown',1,1,[[1000,1002]],'http://www.accbank.ie',''],[1051,'robeco.com','','','unknown',1,1,[[1000,1002]],'http://www.robeco.com',''],[1052,'sarasin.com','','','unknown',1,1,[[1000,1002]],'http://www.sarasin.com',''],[1053,'schretlen.com','','','unknown',1,1,[[1000,1002]],'http://www.schretlen.com',''],[1054,'delagelanden.com','','','unknown',1,1,[[1000,1002]],'http://www.delagelanden.com',''],[1055,'raborealestategroup.com','','','unknown',1,1,[[1000,1002]],'http://www.raborealestategroup.com',''],[1056,'rabobank.com/csr-figures','','','unknown',1,1,[[1000,1002]],'http://www.rabobank.com/csr-figures',''],[1057,'rabobank.com/aboutus','','','unknown',1,1,[[1000,1002]],'http://www.rabobank.com/aboutus',''],[1058,'rabobank.com/csr','','','unknown',1,1,[[1000,1002]],'http://www.rabobank.com/csr',''],[1059,'rabobank.com/ir','','','unknown',1,1,[[1000,1002]],'http://www.rabobank.com/ir',''],[1064,'eureko.com','','','unknown',1,1,[[1000,1002]],'http://www.eureko.com',''],[1309,'rabobank.com/profile','','','unknown',1,1,[[1000,1002]],'http://www.rabobank.com/content/about_us/Profile_and_values/',''],[1312,'rabobank.com/organisation','','','unknown',1,1,[[1000,1002]],'http://www.rabobank.com/content/about_us/organisation/',''],[1313,'rabobank.com/profile','','','unknown',1,1,[[1000,1002]],'http://www.rabobank.com/content/about_us/Profile_and_values/',''],[1314,'rabobank.com/csr-policy','','','unknown',1,1,[[1000,1002]],'http://www.rabobank.com/content/csr/policy/',''],[1315,'rabobank.com/crs-themes','','','unknown',1,1,[[1000,1002]],'http://www.rabobank.com/content/csr/themes/',''],[1316,'rabobank.com/csr-factfigures','','','unknown',1,1,[[1000,1002]],'http://www.rabobank.com/content/csr/factfigures/',''],[1317,'rabobank.com/crs-business','','','unknown',1,1,[[1000,1002]],'http://www.rabobank.com/content/csr/business_operations/',''],[1318,'rabobank.nl','','','unknown',1,1,[[1000,1002]],'http://www.rabobank.nl',''],[1319,'rabobank.nl/cijfersentrends','','','unknown',1,1,[[1000,1002]],'http://www.rabobank.nl/cijfersentrends',''],[1320,'obvion.nl','','','unknown',1,1,[[1000,1002]],'http://obvion.nl',''],[1321,'rabobank.nl/agrarische 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ondernemers','','','unknown',1,1,[[1000,1002]],'http://www.rabobank.nl/bedrijven/speciaal_voor/agrarische_ondernemers/',''],[1324,'qredits.nl','','','unknown',1,1,[[1000,1002]],'http://www.qredits.nl/',''],[1325,'eureko.com','','','unknown',1,1,[[1000,1002]],'http://www.eureko.com/',''],[1326,'rabobank.com','','','unknown',1,1,[[1000,1002]],'http://rabobank.nl/wholesale',''],[1328,'rabobank.com','','','unknown',1,1,[[1000,1002]],'http://overons.rabobank.com/content/mvo/beleid/food_agri_principles/',''],[1329,'rabobank.nl/wholesale','','','unknown',1,1,[[1000,1002]],'http://rabobank.nl',''],[1330,'ABChina.com','','','unknown',1,1,[[1000,1002]],'http://www.abchina.com/en/default.htm',''],[1331,'rabobankamerica.com','','','unknown',1,1,[[1000,1002]],'https://www.rabobankamerica.com/index.jsp',''],[1332,'raboventures.com','','','unknown',1,1,[[1000,1002]],'http://www.raboventures.com/',''],[1333,'rabobank.com/development','','','unknown',1,1,[[1000,1002]],'http://www.rabobank.com/content/about_us/rabodevelopment/',''],[1334,'rabobankfoundation.com','','','unknown',1,1,[[1000,1002]],'http://www.rabobank.com/content/about_us/rabodevelopment/',''],[1335,'rabobank.com/food-agri','','','unknown',1,1,[[1000,1002]],'http://www.rabobank.com/content/food_agri/',''],[1336,'rabodirect.com.au','','','unknown',1,1,[[1000,1002]],'http://www.rabodirect.com.au/',''],[1337,'rabobank.com','','','unknown',1,1,[[1000,1002]],'http://rabobank.com',''],[1338,'rabobankamerica.com','','','unknown',1,1,[[1000,1002]],'http://www.rabobankamerica.com/index.html',''],[1339,'robeco.com','','','unknown',1,1,[[1000,1002]],'http://www.robeco.com/eng/lp/global/index.html',''],[1340,'sarasin.com','','','unknown',1,1,[[1000,1002]],'http://www.sarasin.ch/internet/iech/en/index_iech.htm',''],[1341,'rabobank.nl/privatebanking','','','unknown',1,1,[[1000,1002]],'http://rabobank.nl/privatebanking',''],[1342,'schretlen.com','','','unknown',1,1,[[1000,1002]],'http://www.schretlen.com/#/1/19/',''],[1343,'rabobank.com/foundation','','','unknown',1,1,[[1000,1002]],'http://www.rabobank.com/content/about_us/rabodevelopment/',''],[1344,'delagelanden.com','','','unknown',1,1,[[1000,1002]],'http://www.delagelanden.com/',''],[1345,'raborealestategroup.com','','','unknown',1,1,[[1000,1002]],'http://www.rabovastgoedgroep.nl/site/nl-nl/Home.htm',''],[1347,'raborealestategroup.com','','','unknown',1,1,[[1000,1002]],'http://www.raborealestategroup.com/site/en-gb/rvgSplashPage.htm',''],[1348,'rabobank.com/ir','','','unknown',1,1,[[1000,1002]],'http://www.rabobank.com/content/investor_relations/',''],[1349,'rabobank.com/ir','','','unknown',1,1,[[1000,1002]],'http://www.rabobank.com/content/investor_relations/risk_management/',''],[1350,'rabobank.com/csr','','','unknown',1,1,[[1000,1002]],'http://rabobank.com/crs',''],[1351,'rabobank.com/csr','','','unknown',1,1,[[1000,1002]],'http://www.rabobank.com/content/csr/rabobank_foundation/share4more/',''],[1352,'rabobank.com/csr','','','unknown',1,1,[[1000,1002]],'http://www.rabobank.com/content/csr/rabobank_foundation/',''],[1353,'rabosport.nl','','','unknown',1,1,[[1000,1002]],'http://www.rabosport.nl/',''],[1354,'rabobank.com/mvo','','','unknown',1,1,[[1000,1002]],'http://www.rabobank.com/content/csr/ethics_and_issues/',''],[1355,'rabobank.com/mvo','','','unknown',1,1,[[1000,1002]],'http://www.rabobank.com/content/csr/ethics_and_issues/ethics/',''],[1356,'rabobank.com/mvo','','','unknown',1,1,[[1000,1002]],'http://www.rabobank.com/content/csr/business_operations/',''],[1357,'rabobank.com/mvo','','','unknown',1,1,[[1000,1002]],'http://www.rabobank.com/content/csr/business_operations/energy/',''],[1359,'rabobank.com/mvo','','','unknown',1,1,[[1000,1002]],'http://www.rabobank.com/content/csr/business_operations/sustainable_mobility/',''],[1360,'rabobank.com/mvo','','','unknown',1,1,[[1000,1002]],'http://www.rabobank.com/content/csr/business_operations/sustainable_construction/',''],[1361,'rabobank.com/mvo','','','unknown',1,1,[[1000,1002]],'http://www.rabobank.com/content/csr/business_operations/sustainable_procurement/',''],[1362,'rabobank.com/mvo','','','unknown',1,1,[[1000,1002]],'http://www.rabobank.com/content/csr/business_operations/paper_waste_management/',''],[1363,'rabobank.nl/werken','','','unknown',1,1,[[1000,1002]],'http://rabobank.nl/werken',''],[1365,'rabobank.com/governance','','','unknown',1,1,[[1000,1002]],'http://www.rabobank.com/content/about_us/corporate_governance/index.jsp?urlkort=corporategovernance',''],[1366,'Gedragscode 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