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var ArticleObjects = [[1135,'Key figures','Key figures 2009: Volume of services, Capital position and solvency, Profit and loss count, Ratios, Number of banks and places of business, Market shares in the Netherlands and Ratings.','Source: Report 2009, chapter Key Figures, page 2','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1006,1024],[1010,1070],[1000,1001],[1001,1005],[1003,1011],[1007,1032]],'',''],[1137,'Rabobank Group at a glance','Bad debt costs increased at Rabobank Group due to the poor economic situation. The tier 1 ratio increased by 1.1 percentage point to 13.8% in 2009 due to retained earnings and the issue of hybrid capital instruments.','Source: Report 2009, chapter Rabobank Group at a glance, page 4','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1006,1024],[1010,1068],[1010,1069],[1010,1071],[1000,1001]],'',''],[1138,'Domestic retail banking at a glance','Rabobank Group is not only the largest mortgage lender, savings bank and insurance broker in the Netherlands, but it is also market leader in the SME sector.','Source: Report 2009, chapter Rabobank Group at a glance, page 4','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1005,1018],[1005,1019],[1005,1023],[1006,1024],[1008,1048],[1008,1049],[1009,1050],[1009,1056],[1009,1061],[1010,1068],[1010,1069],[1010,1071],[1000,1001]],'',''],[1139,'Wholesale banking and international retail banking at a glance','Rabobank International is Rabobank Group’s wholesale banking and international retail banking division.','Source: Report 2009, chapter Rabobank Group at a glance, page 4','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1003,1013],[1005,1018],[1005,1019],[1006,1024],[1008,1048],[1008,1049],[1009,1052],[1009,1054],[1009,1055],[1010,1068],[1010,1069],[1000,1001]],'',''],[1140,'Asset management and investment at a glance','Rabobank Group’s asset management business is handled by Robeco, an asset manager with international operations, as well as the Dutch private bank Schretlen & Co and the Swiss private bank Sarasin.','Source: Report 2009, chapter Rabobank Group at a glance, page 5','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1005,1021],[1006,1024],[1008,1048],[1008,1049],[1009,1064],[1009,1065],[1009,1066],[1010,1068],[1010,1069],[1000,1001]],'',''],[1141,'Leasing at a glance','De Lage Landen, which is responsible for Rabobank Group’s leasing operations, uses the vendor finance concept to support manufacturers and distributors in their sales in more than 30 countries.','Source: Report 2009, chapter Rabobank Group at a glance, page 5','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1005,1022],[1006,1024],[1008,1048],[1008,1049],[1009,1057],[1010,1068],[1010,1069],[1000,1001]],'',''],[1142,'Real estate at a glance','Rabo Real Estate Group is responsible for Rabobank Group’s private and corporate real estate operations.','Source: Report 2009, chapter Rabobank Group at a glance, page 5','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1005,1021],[1006,1024],[1008,1048],[1008,1049],[1009,1053],[1010,1068],[1010,1069],[1000,1001]],'',''],[1143,'Chairman’s foreword','The credit crisis and the recession that followed had a major impact on the financial sector. 2009 was a difficult year for banks and Rabobank did not escape the consequences either.','Source: Report 2009, chapter Chairman\'s foreword, page 6','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1004,1014],[1004,1015],[1004,1016],[1004,1017],[1006,1025],[1006,1026],[1010,1068],[1010,1071],[1000,1001]],'',''],[1144,'Banking in a changing environment','The credit crisis has left deep marks on the environment within which Rabobank carries on its banking operations.','Source: Report 2009, chapter Banking in a changing environment, page 9','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1004,1014],[1004,1015],[1004,1016],[1004,1017],[1010,1068],[1000,1001]],'',''],[1146,'Changing banking landscape','The Dutch banking landscape has not escaped the credit crisis unscathed.','Source: Report 2009, chapter Banking in a changing environment, page 9','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1004,1014],[1004,1015],[1004,1016],[1004,1017],[1010,1068],[1000,1001],[1010,1071]],'',''],[1147,'Stricter regulation','The Dutch Banking Association (NVB) has encouraged self-regulation by the banking sector with the introduction of its Banking Code.','Source: Report 2009, chapter Banking in a changing environment, page 10','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1004,1014],[1004,1015],[1004,1016],[1004,1017],[1010,1068],[1000,1001],[1010,1071]],'',''],[1148,'Limited economic recovery','The economic circumstances in which banks operate reached a low point in 2009.','Source: Report 2009, chapter Banking in a changing environment, page 10','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1004,1014],[1004,1015],[1004,1016],[1004,1017],[1010,1068],[1000,1001],[1010,1071]],'',''],[1149,'Changing social environment','As far as corporate social responsibility is concerned, civil society organisations and the media are more vigilant than ever, raising questions, demanding transparency, entering into dialogues and conducting campaigns.','Source: Report 2009, chapter Banking in a changing environment, page 10','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1004,1014],[1004,1015],[1004,1016],[1004,1017],[1010,1068],[1000,1001]],'',''],[1150,'Greater strategic focus','The opportunities for expansion open to Rabobank Group have become more restricted than ever before.','Source: Report 2009, chapter Banking in a changing environment, page 10','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1004,1014],[1004,1015],[1004,1016],[1004,1017],[1010,1068],[1000,1001],[1010,1071]],'',''],[1151,'Financial developments','Rabobank Group profitable with higher capital ratios. Net profit at EUR 2,288 million. Loan portfolio up 2% to EUR 415.7 billion. Tier 1 ratio up 1.1 percentage point to 13.8%.','Source: Report 2009, chapter Financial developments, page 11','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1004,1015],[1006,1025],[1006,1026],[1010,1068],[1000,1001],[1010,1071]],'',''],[1152,'Financial targets','Rabobank Group has three financial targets: a tier 1 ratio of 12.5% or more, an increase in net profit by at least 10%, and return on equity of at least 8%.','Source: Report 2009, chapter Financial developments, page 11','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1004,1016],[1010,1068],[1000,1001]],'',''],[1153,'Increase at local Rabobanks results in growth in lending','Growth in lending was primarily achieved in the first half of the year. Demand for loans was down due to the economic crisis, causing lending to level off.','Source: Report 2009, chapter Financial developments, page 12','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1005,1019],[1006,1025],[1010,1068],[1010,1069],[1000,1001]],'',''],[1154,'Drop at Rabobank International causes amounts due to customers to contract','In 2009 the local Rabobanks attracted more client deposits from retail and corporate clients.','Source: Report 2009, chapter Financial developments, page 13','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1005,1018],[1006,1025],[1010,1069],[1000,1001]],'',''],[1155,'Increase in savings deposits at local Rabobanks in particular','Savings deposits, the largest and most important component of amounts due to customers for Rabobank Group, were up 6% to EUR  121.4 (114.7) billion thanks mainly to retail clients making more savings deposits to the local Rabobanks.','Source: Report 2009, chapter Financial developments, page 13','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1005,1018],[1006,1025],[1008,1049],[1009,1050],[1010,1068],[1010,1069],[1010,1071],[1000,1001]],'',''],[1156,'Equity up thanks to retained earnings and issues','Rabobank Group’s equity increased by 14% in 2009, rising to EUR 38.1 (33.5) billion, which was mostly attributable to the retention of earnings and the issue of hybrid capital instruments.','Source: Report 2009, chapter Financial developments, page 13','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1006,1025],[1010,1068],[1010,1069],[1000,1001]],'',''],[1157,'External capital requirement','Rabobank Group\'s external capital requirement amounted to EUR 18.7 (19.0) billion at year-end 2009.','Source: Report 2009, chapter Financial developments, page 14','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1006,1025],[1006,1027],[1010,1068],[1010,1069],[1000,1001]],'',''],[1158,'Economic capital as an internal capital requirement','Besides its external capital requirement, Rabobank Group uses an internal capital requirement based on its economic capital framework.','Source: Report 2009, chapter Financial developments, page 14','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1006,1025],[1006,1027],[1010,1068],[1010,1069],[1010,1070],[1000,1001],[1001,1005]],'',''],[1159,'Financial results Rabobank Group','Overview financial results Rabobank Group. Income up 2%. Operating expenses down 4%. Bad debt costs at 48 basis points. Net profit at EUR 2,288 million. RAROC of 10.3%.','Source: Report 2009, chapter Financial developments, page 15','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1006,1026],[1010,1068],[1010,1070],[1010,1071],[1000,1001]],'',''],[1160,'Domestic retail banking','Low growth in lending and increase in bad debt costs due to economic situation.','Source: Report 2009, chapter Domestic retail banking, page 17','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1003,1013],[1004,1014],[1004,1015],[1004,1016],[1006,1025],[1006,1026],[1008,1049],[1009,1050],[1009,1056],[1009,1061],[1010,1068],[1010,1069],[1000,1001],[1001,1005]],'',''],[1162,'Many local Rabobanks getting to grips with Rabobank Vision 2010','Rabobank’s primary objective is to help members and customers achieve their ambitions. Rabobank 2010 offers options for innovating and improving customer service while cutting costs.','Source: Report 2009, chapter Domestic retail banking, page 18','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1003,1012],[1004,1014],[1008,1049],[1009,1050],[1010,1068],[1000,1001]],'',''],[1163,'Rabobank bolsters position in corporate and mortgage markets','Rabobank Group holds a leading position in a large number of sectors of the Dutch financial services market.','Source: Report 2009, chapter Domestic retail banking, page 18','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1003,1012],[1003,1013],[1004,1015],[1005,1018],[1005,1019],[1008,1049],[1009,1050],[1009,1061],[1009,1064],[1010,1068],[1010,1069],[1000,1001],[1001,1005]],'',''],[1164,'Focus on delivering customer value','Rabobank’s central focus has always been to deliver customer value.','Source: Report 2009, chapter Domestic retail banking, page 19','aj',1,0,[[1000,1000],[1002,1008],[1003,1012],[1008,1049],[1009,1050],[1010,1068],[1000,1001],[1003,1010]],'',''],[1165,'Virtual channels gaining importance in customer relations','The local Rabobanks in the Netherlands are Rabobank Group’s core business.','Source: Report 2009, chapter Domestic retail banking, page 19','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1003,1012],[1005,1018],[1008,1049],[1009,1050],[1009,1056],[1010,1068],[1000,1001]],'',''],[1166,'Rabobank, the business bank in the Netherlands','2009 was a challenging year for the Dutch corporate sector, causing some businesses to experience financial problems.','Source: Report 2009, chapter Domestic retail banking, page 19','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1003,1012],[1005,1019],[1008,1049],[1009,1050],[1010,1068],[1000,1001]],'',''],[1167,'Rabobank, the knowledge bank for Dutch industry','In terms of its knowledge of the various SME sectors, Rabobank may be called unique.','Source: Report 2009, chapter Domestic retail banking, page 20','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1003,1012],[1008,1049],[1009,1050],[1010,1068],[1000,1001],[1003,1013]],'',''],[1168,'Rabobank’s close ties with the food and agri sector','The food and agri sector has traditionally been an important customer base of the local Rabobanks, which give agricultural entrepreneurs the best possible service, with tailored financial services and knowledge products.','Source: Report 2009, chapter Domestic retail banking, page 20','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1003,1012],[1003,1013],[1008,1049],[1009,1050],[1010,1068],[1000,1001]],'',''],[1169,'New sustainable and service-oriented products and services','Rabobank Group took several initiatives in retail banking in 2009 to increase economic participation, social cohesion and solidarity, one of which was to continue the partnership with SeniorWeb.','Source: Report 2009, chapter Domestic retail banking, page 20','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1003,1011],[1003,1012],[1005,1018],[1005,1019],[1007,1035],[1007,1037],[1008,1049],[1009,1050],[1010,1068],[1000,1001]],'',''],[1170,'Lower residential utility bills','Rabobank wants to encourage consumers to lower their housing costs via existing mortgage products, for instance by promoting energy-efficient living.','Source: Report 2009, chapter Domestic retail banking, page 20','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1003,1011],[1003,1012],[1005,1019],[1007,1035],[1008,1049],[1009,1050],[1010,1068],[1000,1001]],'',''],[1171,'Developments in mortgage products','The RaboOpbouwHypotheek (build-up mortgage) has offered a tax-efficient savings facility for mortgage repayments since 2008.','Source: Report 2009, chapter Domestic retail banking, page 21','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1003,1011],[1003,1012],[1005,1019],[1007,1034],[1007,1036],[1008,1049],[1009,1050],[1009,1061],[1010,1068],[1000,1001]],'',''],[1172,'Services to business start-ups: microcredit','Small business start-ups experiencing difficulties in securing a loan due to a lack of collateral or proven results have been able to apply to Qredits since February 2009 for a loan of up to EUR 35,000.','Source: Report 2009, chapter Domestic retail banking, page 21','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1003,1011],[1003,1012],[1005,1019],[1007,1037],[1008,1049],[1009,1050],[1010,1068],[1000,1001]],'',''],[1173,'Alleviating the administrative burden for businesses','Rabobank teamed up with ABN AMRO and ING to initiate the establishment of a cooperative for the implementation and development of an approach to Standard Business Reporting (SBR).','Source: Report 2009, chapter Domestic retail banking, page 22','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1003,1011],[1003,1012],[1005,1019],[1008,1049],[1009,1050],[1010,1068],[1000,1001]],'',''],[1174,'Growth in lending levelling off at local Rabobanks','The economic crisis caused growth in lending to decline at domestic retail banking, especially in the second half of the year. In spite of this, the private sector loan portfolio increased in 2009 by 4% to EUR 278.0 (268.3) billion.','Source: Report 2009, chapter Domestic retail banking, page 22','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1008,1049],[1009,1050],[1010,1068],[1010,1069],[1000,1001],[1005,1019],[1006,1025]],'',''],[1175,'Increase in amounts due to customers thanks to higher savings deposits at local Rabobanks','Domestic retail banking saw its amounts due to customers increase by 5%, rising to EUR 185.2 (175.6) billion in 2009.','Source: Report 2009, chapter Domestic retail banking, page 22','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1005,1018],[1006,1025],[1008,1049],[1009,1050],[1010,1068],[1000,1001]],'',''],[1176,'Financial results of domestic retail banking','The domestic retail banking division posted a total income in 2009 of EUR 6,126 (6,154) million. Fierce competition on the savings market led to a decline in the savings margin at the local Rabobanks.','Source: Report 2009, chapter Domestic retail banking, page 22','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1006,1026],[1008,1049],[1009,1050],[1010,1068],[1000,1001],[1001,1005],[1010,1070]],'',''],[1177,'Outlook for domestic retail banking','2010 will be a year of challenges for domestic retail banking. In line with 2009, some slight growth in lending is foreseen and the high level, compared with the long-term average, of bad debt costs is expected to continue.','Source: Report 2009, chapter Domestic retail banking, page 24','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1008,1049],[1009,1050],[1010,1068],[1000,1001],[1004,1014],[1004,1017],[1009,1061]],'',''],[1178,'Wholesale banking and international retail banking','Profit growth thanks to increase in income from wholesale banking. Loan portfolio down 7% to EUR 93.4 billion. Net profit up EUR 619 million to EUR 646 million.','Source: Report 2009, chapter Wholesale banking and international retail banking, page 25','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1003,1013],[1004,1014],[1004,1015],[1004,1016],[1006,1025],[1006,1026],[1008,1049],[1009,1052],[1009,1054],[1009,1055],[1010,1068],[1010,1069],[1000,1001],[1001,1005]],'',''],[1180,'New governance structure at Rabobank International','Rabobank International adjusted its governance structure in 2009 following the updated strategy whereby Rabobank wants to be the leading food and agri bank.','Source: Report 2009, chapter Wholesale banking and international retail banking, page 26','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1003,1013],[1004,1014],[1008,1044],[1008,1049],[1009,1052],[1010,1068],[1000,1001]],'',''],[1181,'Rabobank as an international food and agri bank','As a leading food and agri bank, Rabobank aims for a strong presence in the world’s key agricultural countries.','Source: Report 2009, chapter Wholesale banking and international retail banking, page 26','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1003,1013],[1004,1014],[1008,1049],[1009,1052],[1010,1068],[1000,1001]],'',''],[1182,'International retail banking','Rabobank International has retail banking operations in Europe, North and South America, Asia, Australia and New Zealand.','Source: Report 2009, chapter Wholesale banking and international retail banking, page 26','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1003,1012],[1003,1013],[1008,1049],[1009,1052],[1009,1054],[1009,1055],[1010,1068],[1000,1001]],'',''],[1183,'Wholesale banking in the Netherlands','The Dutch wholesale banking division contributes to our achieving all-finance market leadership in the Netherlands.','Source: Report 2009, chapter Wholesale banking and international retail banking, page 27','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1003,1012],[1008,1049],[1009,1052],[1010,1068],[1000,1001]],'',''],[1184,'International wholesale banking','Outside the Netherlands, the primary focus of the corporate banking activities is on food and agri. In addition, Rabobank International is investing in specific knowledge in the area of trade and commodity finance.','Source: Report 2009, chapter Wholesale banking and international retail banking, page 27','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1003,1012],[1008,1049],[1009,1052],[1010,1068],[1000,1001],[1003,1011],[1003,1013],[1004,1014],[1005,1020],[1007,1035]],'',''],[1185,'Rabobank International participates','In 2009, Rabobank and the Delta Lloyd Group together established Project Holland Fund, which invests in listed Dutch enterprises.','Source: Report 2009, chapter Wholesale banking and international retail banking, page 27','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1003,1012],[1008,1049],[1009,1052],[1010,1068],[1000,1001],[1005,1020],[1005,1021],[1009,1053]],'',''],[1186,'Rabo Development supports rural banks in developing countries','Rabo Development helps rural banks operating in developing countries to transform themselves into professional, modern financial institutions.','Source: Report 2009, chapter Wholesale banking and international retail banking, page 28','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1008,1049],[1009,1052],[1000,1001],[1003,1013],[1007,1040],[1010,1068],[1010,1071]],'',''],[1187,'Banking services for millions via partner banks','The strategic alliances of Rabo Development enable a large section of the population in developing countries to access financial services provided by the partner banks.','Source: Report 2009, chapter Wholesale banking and international retail banking, page 28','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1003,1012],[1003,1013],[1007,1040],[1010,1068],[1010,1070],[1000,1001],[1001,1005]],'',''],[1188,'Responsible loans to food and agribusinesses','Rabobank Group wants to contribute its share to making the food and agribusiness more sustainable.','Source: Report 2009, chapter Wholesale banking and international retail banking, page 28','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1003,1011],[1003,1012],[1003,1013],[1004,1014],[1005,1019],[1007,1035],[1007,1036],[1007,1038],[1007,1040],[1008,1045],[1008,1049],[1009,1052],[1010,1068],[1000,1001]],'',''],[1189,'Rabobank International increases food and agri share in lending','Lending to non-food and agri clients outside the Netherlands was scaled down in line with the fine-tuned strategy.','Source: Report 2009, chapter Wholesale banking and international retail banking, page 29','aj',1,0,[[1000,1000],[1002,1008],[1003,1012],[1003,1013],[1005,1019],[1006,1025],[1008,1049],[1009,1052],[1009,1054],[1009,1055],[1010,1068],[1010,1069],[1003,1010],[1000,1001],[1001,1005]],'',''],[1190,'Financial results of wholesale banking and international retail banking','Overview financial results. Income up 78%. Operating expenses up 4%. Bad debt costs at 105 basis points. RAROC of 8.8%.','Source: Report 2009, chapter Wholesale banking and international retail banking, page 30','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1006,1026],[1008,1049],[1009,1052],[1010,1068],[1010,1070],[1000,1001]],'',''],[1191,'Outlook for wholesale banking and international retail banking','The effects of the financial crisis will remain visible in the real economy in 2010.','Source: Report 2009, chapter Wholesale banking and international retail banking, page 31','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1010,1068],[1000,1001],[1004,1017]],'',''],[1192,'Asset management and investment','Cash flow and investment return both positive','Source: Report 2009, chapter Asset management and investment, page 32','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1004,1014],[1004,1015],[1004,1016],[1005,1019],[1005,1020],[1006,1025],[1006,1026],[1008,1049],[1009,1064],[1009,1065],[1009,1066],[1010,1068],[1010,1069],[1000,1001],[1001,1005]],'',''],[1194,'Asset management and investment services to clients of every kind','In the Netherlands, Rabobank Group offers, through several channels, a broad range of investment products and services to both private and institutional investors.','Source: Report 2009, chapter Asset management and investment, page 33','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1005,1020],[1008,1049],[1009,1064],[1009,1065],[1009,1066],[1010,1068],[1000,1001],[1003,1012]],'',''],[1195,'Cost savings programme at Robeco and expansion in Asia','A substantial drop in stock prices in 2008 put Robeco’s profit development under pressure and a cost reduction programme was needed to make its core business more effective.','Source: Report 2009, chapter Asset management and investment, page 33','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1004,1014],[1005,1020],[1008,1047],[1008,1049],[1009,1064],[1010,1068],[1000,1001]],'',''],[1196,'Positive investment year for Robeco clients','For most of Robeco’s clients, 2009 was a positive year, both in absolute and in relative terms.','Source: Report 2009, chapter Asset management and investment, page 33','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1003,1012],[1005,1020],[1008,1049],[1009,1064],[1010,1068],[1000,1001]],'',''],[1197,'Sarasin continues growth strategy, but at a lower rate','In 2009, Sarasin expanded its presence further in its Swiss domestic market as well as in other European countries and in Asia, in accordance with its strategy for growth.','Source: Report 2009, chapter Asset management and investment, page 33','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1004,1014],[1005,1020],[1008,1049],[1009,1065],[1010,1068],[1000,1001]],'',''],[1198,'Sarasin delivers handsome return on investments','Sarasin experienced a robust inflow of assets and delivered a handsome return on investment in 2009, as well as receiving several awards.','Source: Report 2009, chapter Asset management and investment, page 33','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1003,1012],[1005,1020],[1006,1026],[1008,1049],[1009,1065],[1010,1068],[1000,1001]],'',''],[1199,'Highest customer satisfaction for Schretlen & Co','Schretlen & Co and Rabobank Private Banking had the highest scores in the 2009 Incompany 100 - the annual ranking of advisory enterprises drawn up by business journal Incompany.','Source: Report 2009, chapter Asset management and investment, page 34','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1003,1012],[1005,1020],[1008,1049],[1009,1066],[1010,1068],[1000,1001]],'',''],[1204,'Responsible and transparent investment products','In 2009, Rabobank Group’s sustainable assets under management and held in custody amounted to EUR 16,438 (11,506) million, being 7.1% (6.3%) of total assets under management and held in custody for clients.','Source: Report 2009, chapter Asset management and investment, page 34','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1003,1011],[1004,1014],[1004,1016],[1005,1020],[1007,1035],[1007,1036],[1007,1038],[1008,1045],[1008,1049],[1009,1064],[1009,1065],[1009,1066],[1010,1068],[1000,1001]],'',''],[1200,'Services in Islamic markets','Both Sarasin and Robeco are responding with new products to growing demand in Islamic markets.','Source: Report 2009, chapter Asset management and investment, page 34','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1003,1011],[1005,1020],[1008,1049],[1009,1064],[1009,1065],[1010,1068],[1000,1001]],'',''],[1201,'Sarasin – a tradition of sustainability in private asset management','Bank Sarasin recognised the importance of sustainable investments as long as 20 years ago.','Source: Report 2009, chapter Asset management and investment, page 35','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1003,1011],[1004,1016],[1005,1020],[1007,1035],[1008,1049],[1009,1065],[1010,1068],[1000,1001]],'',''],[1202,'Introducing sustainability into investments at Schretlen & Co and Rabobank Private Banking','In 2009, Schretlen & Co developed the Sustainable Asset Management proposition, which comprises various elements, including sustainable investment.','Source: Report 2009, chapter Asset management and investment, page 35','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1003,1011],[1003,1012],[1004,1016],[1005,1020],[1008,1049],[1009,1066],[1010,1068],[1000,1001]],'',''],[1203,'Dialogue with public-interest groups','In 2009, we were involved in talks with several public-interest groups about investing in the arms industry and in renewable energy.','Source: Report 2009, chapter Asset management and investment, page 35','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1003,1011],[1005,1020],[1010,1068],[1000,1001]],'',''],[1205,'Positive cash flows and stock market recovery propel assets under management','On the back of solid cash flow developments and recovering stock markets, assets under management and held in custody for clients increased by 25% to EUR 230.4 (183.6) billion in 2009.','Source: Report 2009, chapter Asset management and investment, page 35','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1005,1020],[1006,1025],[1008,1049],[1009,1050],[1009,1064],[1009,1065],[1009,1066],[1010,1068],[1000,1001]],'',''],[1206,'Financial results of asset management and investment','Overview financial results','Source: Report 2009, chapter Asset management and investment, page 36','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1005,1020],[1006,1026],[1008,1049],[1009,1064],[1009,1065],[1009,1066],[1010,1068],[1010,1070],[1000,1001],[1001,1005]],'',''],[1207,'Outlook for asset management and investment','We anticipate a positive cash flow and further growth of assets under management for 2010.','Source: Report 2009, chapter Asset management and investment, page 37','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1004,1017],[1005,1020],[1008,1049],[1009,1050],[1009,1064],[1009,1065],[1009,1066],[1010,1068],[1000,1001]],'',''],[1208,'Leasing','Improved margins on new business, growth in lease portfolio levelling off. Loan portfolio up 3% to EUR 24.1 billion. Net profit down 52% to EUR 112 million.','Source: Report 2009, chapter Leasing, page 38','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1003,1013],[1004,1014],[1004,1015],[1004,1016],[1005,1022],[1006,1025],[1006,1026],[1008,1049],[1009,1057],[1010,1068],[1010,1069],[1000,1001],[1001,1005]],'',''],[1210,'De Lage Landen withstands the crisis','De Lage Landen took a number of steps in late 2008 to address the crisis and to emerge a stronger organisation.','Source: Report 2009, chapter Leasing, page 39','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1004,1014],[1005,1022],[1008,1049],[1009,1057],[1010,1068],[1000,1001]],'',''],[1211,'Leasing: stronger focus on the Netherlands and on international food and agri','In line with Rabobank Group’s strategy, De Lage Landen focuses on growth in the Netherlands and in the international food and agri market.','Source: Report 2009, chapter Leasing, page 39','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1003,1013],[1004,1014],[1005,1022],[1008,1049],[1009,1057],[1010,1068],[1000,1001]],'',''],[1212,'De Lage Landen: a customer-focused organisation','De Lage Landen is a customer-focused organisation that aims for high customer satisfaction.','Source: Report 2009, chapter Leasing, page 39','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1003,1012],[1005,1022],[1008,1049],[1009,1057],[1010,1068],[1000,1001]],'',''],[1213,'Further integration of CSR','De Lage Landen has four spearheads in the ongoing integration of CRS in its core business: responsible business practices, sustainable innovations, community involvement, and sustainable and energy-efficient operations.','Source: Report 2009, chapter Leasing, page 39','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1003,1011],[1004,1016],[1005,1022],[1007,1035],[1007,1036],[1007,1038],[1007,1039],[1008,1045],[1008,1049],[1009,1057],[1010,1068],[1000,1001]],'',''],[1214,'Moderate growth in lease portfolio','The loan portfolio at De Lage Landen increases by 3% in 2009 to EUR 24.1 (23.3) billion.','Source: Report 2009, chapter Leasing, page 40','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1005,1022],[1006,1025],[1008,1049],[1009,1057],[1010,1068],[1010,1069],[1000,1001]],'',''],[1215,'Financial results of De Lage Landen','Overview financial results. Income up 1%. Operating expenses up 3%. Bad debt costs at 132 basis points. RAROC of 10.4%.','Source: Report 2009, chapter Leasing, page 40','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1005,1022],[1006,1026],[1008,1049],[1009,1057],[1010,1068],[1010,1070],[1000,1001],[1001,1005]],'',''],[1216,'Outlook for De Lage Landen','De Lage Landen anticipates further growth of its loan portfolio in 2010.','Source: Report 2009, chapter Leasing, page 41','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1003,1013],[1004,1017],[1005,1022],[1008,1049],[1009,1057],[1010,1068],[1000,1001]],'',''],[1217,'Real estate','Growth in loan portfolio, decline in property under development. Number of homes sold down 16% to 7,341. Loan portfolio up 5% to EUR 17.2 billion.','Source: Report 2009, chapter Real estate, page 42','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1004,1014],[1004,1015],[1004,1016],[1005,1021],[1006,1025],[1006,1026],[1008,1049],[1009,1053],[1010,1068],[1010,1069],[1000,1001],[1001,1005]],'',''],[1219,'Reduced activity in the real estate market necessitates cost-cutting','During 2009, there was a low level of activity on the real estate market.','Source: Report 2009, chapter Real estate, page 43','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1004,1014],[1005,1021],[1008,1047],[1008,1049],[1009,1053],[1010,1068],[1000,1001]],'',''],[1220,'Increased collaboration between Rabo Real Estate Group and other group entities','In 2009, Rabo Real Estate Group intensified its collaboration with other group entities through, for instance, mortgage cross-selling in real estate development.','Source: Report 2009, chapter Real estate, page 43','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1004,1014],[1005,1021],[1008,1049],[1009,1053],[1010,1068],[1000,1001]],'',''],[1223,'Rabo Real Estate Group’s ambition for real estate: investing in the future','Rabo Real Estate Group continued to work towards investing in the future, during 2009, focusing on the four CSR fundamentals of sustainable building, ethical and responsible business practices, and commitment to society.','Source: Report 2009, chapter Real estate, page 43','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1003,1011],[1004,1016],[1005,1021],[1007,1033],[1007,1035],[1008,1045],[1008,1049],[1009,1053],[1010,1068],[1000,1001]],'',''],[1221,'Reporting dubious property transactions','For the second time, Rabo Real Estate Group reported potentially criminal acts committed by delegated property developers.','Source: Report 2009, chapter Real estate, page 44','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1003,1011],[1005,1021],[1008,1049],[1009,1053],[1010,1068],[1000,1001]],'',''],[1222,'Rabo Real Estate Group: committed to the community','Stimuleringsfonds Volkshuisvesting Nederlandse gemeenten (SVn) developed sustainability loans.','Source: Report 2009, chapter Real estate, page 44','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1003,1011],[1005,1021],[1007,1041],[1008,1049],[1009,1053],[1010,1068],[1000,1001]],'',''],[1224,'Fewer homes sold in the Netherlands','Bouwfonds Property Development sold fewer homes in the Netherlands in 2009, although the number of sales went up in France.','Source: Report 2009, chapter Real estate, page 44','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1005,1021],[1006,1025],[1008,1049],[1009,1053],[1010,1068],[1010,1069],[1000,1001]],'',''],[1225,'Moderate growth in lending at FGH Bank','During 2009, the loan portfolio of FGH Bank showed moderate growth.','Source: Report 2009, chapter Real estate, page 44','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1005,1021],[1006,1025],[1008,1049],[1009,1053],[1010,1068],[1010,1069],[1000,1001]],'',''],[1226,'Assets under management in real estate almost stable','The credit crisis also had a visible impact on the real estate investment market.','Source: Report 2009, chapter Real estate, page 45','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1005,1021],[1006,1025],[1008,1049],[1009,1053],[1010,1068],[1000,1001]],'',''],[1227,'Financial results of real estate','Overview financial results','Source: Report 2009, chapter Real estate, page 45','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1005,1021],[1006,1026],[1008,1049],[1009,1053],[1010,1068],[1010,1069],[1000,1001],[1001,1005]],'',''],[1228,'Outlook for Rabo Real Estate Group','Rabobank foresees no speedy recovery of the market conditions for real estate.','Source: Report 2009, chapter Real estate, page 46','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1004,1017],[1005,1021],[1008,1049],[1009,1053],[1010,1068],[1000,1001]],'',''],[1229,'Insurance','Higher commission income from non-life insurance. Number of Alles in één Polis insurance policies up 2% to 1,317,000. Number of ZorgActief health insurance policies up 4% to 155,000.','Source: Report 2009, chapter Insurance, page 47','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1004,1014],[1004,1015],[1004,1016],[1005,1023],[1006,1026],[1008,1049],[1009,1050],[1009,1058],[1010,1068],[1010,1069],[1000,1001],[1001,1005]],'',''],[1231,'Close collaboration between Rabobank and Eureko','The local Rabobanks are the largest insurance broker in the Netherlands.','Source: Report 2009, chapter Insurance, page 48','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1005,1023],[1008,1049],[1009,1050],[1009,1058],[1010,1068],[1000,1001]],'',''],[1232,'Interpolis: transparent and innovative','In 2009, Interpolis continued its ‘Helder Moment’ campaign.','Source: Report 2009, chapter Insurance, page 48','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1003,1012],[1005,1023],[1008,1049],[1009,1050],[1009,1058],[1010,1068],[1000,1001]],'',''],[1233,'ZekerVanJeZaak a success among small businesses','In October 2009, one year after first being introduced, the number of ZekerVanJeZaak insurance policies passed the 10,000 mark.','Source: Report 2009, chapter Insurance, page 48','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1003,1012],[1005,1023],[1008,1049],[1009,1050],[1009,1058],[1010,1068],[1000,1001]],'',''],[1234,'Discounts on health insurance for clients and members','Rabobank clients are given a 10% discount on the basic premium for the ZorgActief health insurance policy and a 15% discount on additional health cover.','Source: Report 2009, chapter Insurance, page 48','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1003,1012],[1005,1023],[1008,1049],[1009,1050],[1009,1058],[1010,1068],[1000,1001]],'',''],[1235,'Outlook for Insurance','The Dutch insurance market is virtually saturated and highly competitive, and opportunities for growth will be limited in 2010 as a result.','Source: Report 2009, chapter Insurance, page 49','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1005,1023],[1008,1049],[1009,1050],[1009,1058],[1010,1068],[1000,1001],[1004,1017]],'',''],[1236,'Risk management','Prudent risk policy and moderate risk profile','Source: Report 2009, chapter Risk management, page 50','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1004,1015],[1006,1025],[1006,1026],[1006,1027],[1010,1068],[1000,1001],[1010,1071]],'',''],[1237,'Risk management','Both Rabobank itself and the Dutch Central Bank have formulated standards concerning Rabobank’s organisation and control.','Source: Report 2009, chapter Risk management, page 50','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1006,1027],[1008,1044],[1010,1068],[1000,1001]],'',''],[1238,'Risk management organisation','Risk management is performed at various levels within Rabobank Group.','Source: Report 2009, chapter Risk management, page 50','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1004,1015],[1006,1025],[1006,1026],[1006,1027],[1010,1068],[1000,1001],[1008,1044],[1001,1005]],'',''],[1239,'Principles of risk management','Within Rabobank Group, an extensive system of limits and controls has been put in place to manage all the different risks.','Source: Report 2009, chapter Risk management, page 51','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1006,1025],[1006,1027],[1010,1068],[1000,1001],[1003,1012],[1007,1033]],'',''],[1240,'Credit risk','Prudent credit policy, embedding credit risk management','Source: Report 2009, chapter Risk management, page 51','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1006,1025],[1006,1027],[1010,1068],[1000,1001],[1003,1012],[1007,1033]],'',''],[1241,'Credit risk and Basel II','Rabobank Group uses the Advanced IRB approach for credit risk.','Source: Report 2009, chapter Risk management, page 52','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1006,1025],[1006,1027],[1010,1068],[1000,1001]],'',''],[1242,'Impaired loans and loan loss provisions','Once a loan has been granted, ongoing credit management takes place assessing new information, both financial and non-financial.','Source: Report 2009, chapter Risk management, page 52','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1006,1025],[1006,1027],[1010,1068],[1010,1070],[1000,1001],[1010,1071],[1001,1005]],'',''],[1243,'Country risk','With respect to country risk a distinction is made between transfer risk and collective debtor risk.','Source: Report 2009, chapter Risk management, page 53','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1006,1025],[1006,1027],[1010,1068],[1010,1070],[1000,1001],[1001,1005]],'',''],[1244,'Structured credit','Rabobank Group incurs limited exposure to more structured investments in its trading and investment portfolios.','Source: Report 2009, chapter Risk management, page 54','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1006,1025],[1006,1026],[1006,1027],[1010,1068],[1010,1069],[1000,1001]],'',''],[1245,'Monoline insurers','Monoline insurers are counterparties in some credit default swaps used to hedge the credit risk of certain investments.','Source: Report 2009, chapter Risk management, page 54','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1006,1025],[1006,1026],[1006,1027],[1010,1068],[1010,1070],[1000,1001],[1001,1005]],'',''],[1246,'Leveraged finance','The leveraged finance portfolio of Rabobank International amounted to EUR 3.1 (3.4) billion at year-end 2009.','Source: Report 2009, chapter Risk management, page 55','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1006,1025],[1006,1027],[1010,1068],[1000,1001]],'',''],[1247,'Interest rate risk','Interest rate risk means that Rabobank Group’s financial result and/or economic value may be affected by unfavourable developments in the money and capital markets.','Source: Report 2009, chapter Risk management, page 55','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1006,1025],[1006,1027],[1010,1068],[1000,1001]],'',''],[1248,'Liquidity risk and funding','Liquidity risk is the risk that a bank is unable to meet all its payment or repayment obligations in time.','Source: Report 2009, chapter Risk management, page 56','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1010,1068],[1006,1027],[1000,1001]],'',''],[1249,'Liquidity risk management','Rabobank Group has always recognised that liquidity risk is an important risk type.','Source: Report 2009, chapter Risk management, page 56','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1006,1025],[1006,1027],[1010,1068],[1000,1001]],'',''],[1250,'Asset-backed commercial paper conduits','Outstanding asset-backed commercial paper fell to EUR 15.3 (17.5) billion at year-end 2009.','Source: Report 2009, chapter Risk management, page 56','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1006,1025],[1006,1027],[1010,1068],[1010,1070],[1000,1001],[1001,1005]],'',''],[1251,'Rating and funding','For many years, Rabobank has been awarded the highest possible rating by leading rating agencies such as Moody’s and Standard & Poor’s.','Source: Report 2009, chapter Risk management, page 57','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1004,1015],[1006,1025],[1006,1027],[1010,1068],[1010,1069],[1000,1001],[1010,1071]],'',''],[1252,'Information provision to investors and capital providers','Rabobank attaches great importance to high-quality and transparent communication with institutional investors and other professional financiers.','Source: Report 2009, chapter Risk management, page 57','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1010,1068],[1006,1027],[1000,1001]],'',''],[1253,'Market risk','Market risk relates to changes in the value of the trading portfolio as a result of price movements in the market equities, credit spreads, currencies and certain commodities.','Source: Report 2009, chapter Risk management, page 57','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1006,1025],[1006,1027],[1010,1068],[1010,1069],[1010,1070],[1000,1001],[1001,1005]],'',''],[1254,'Operational risk','Rabobank defines operational risk as the risk of losses caused by inadequate or failing internal processes, people or systems or by external events.','Source: Report 2009, chapter Risk management, page 58','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1010,1068],[1006,1025],[1006,1027],[1000,1001]],'',''],[1255,'Currency risk','Currency risk is the risk of changes in income or in equity as a result of currency exchange movements.','Source: Report 2009, chapter Risk management, page 59','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1010,1068],[1006,1025],[1006,1027],[1000,1001]],'',''],[1256,'Controls over financial reporting','Rabobank Group constantly seeks to improve its corporate governance and overall internal controls and to remain in line with the leading standards across the globe.','Source: Report 2009, chapter Risk management, page 59','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1006,1027],[1008,1044],[1010,1068],[1000,1001]],'',''],[1257,'Internal controls','Rabobank Group uses internal controls.','Source: Report 2009, chapter Risk management, page 59','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1006,1027],[1008,1044],[1010,1068],[1000,1001]],'',''],[1258,'Board Statement on true and fair view','The Executive Board of Coöperatieve Centrale Raiffeisen-Boerenleenbank B.A. (Rabobank Nederland)','Source: Report 2009, chapter Risk management, page 60','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1010,1068],[1006,1027],[1008,1044],[1000,1001]],'',''],[1259,'Corporate governance','On account of its cooperative organisation, Rabobank’s corporate governance is characterised by a unique system of checks and balances.','Source: Report 2009, chapter Corporate governance, page 61','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1008,1042],[1008,1044],[1010,1068],[1000,1001]],'',''],[1260,'Rabobank Nederland','Executive Board','Source: Report 2009, chapter Corporate governance, page 61','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1008,1043],[1008,1044],[1010,1068],[1000,1001]],'',''],[1261,'Supervisory Board','The Supervisory Board supervises the policy pursued by the Executive Board and the general conduct of affairs of Rabobank Nederland and its affiliated entities.','Source: Report 2009, chapter Corporate governance, page 62','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1008,1043],[1008,1044],[1010,1068],[1000,1001]],'',''],[1262,'Member influence','As a cooperative, Rabobank has members, not shareholders like (listed) companies do.','Source: Report 2009, chapter Corporate governance, page 62','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1008,1042],[1008,1044],[1010,1068],[1000,1001],[1010,1071]],'',''],[1263,'Relationship between Rabobank Nederland and the local Rabobanks','The Rabobank Nederland cooperative and its members','Source: Report 2009, chapter Corporate governance, page 63','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1008,1042],[1008,1044],[1010,1068],[1000,1001]],'',''],[1264,'Local Rabobanks','Corporate governance at the local Rabobanks','Source: Report 2009, chapter Corporate governance, page 64','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1008,1042],[1008,1043],[1008,1044],[1010,1068],[1000,1001]],'',''],[1265,'Partnership model','Management','Source: Report 2009, chapter Corporate governance, page 64','aj',1,0,[[1000,1000],[1002,1008],[1008,1042],[1008,1043],[1008,1044],[1010,1068],[1000,1001]],'',''],[1266,'Executive model','Management','Source: Report 2009, chapter Corporate governance, page 65','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1008,1042],[1008,1043],[1008,1044],[1010,1068],[1000,1001]],'',''],[1267,'Employee influence within Rabobank Group','Rabobank attaches great value to consultations with the various employee representative bodies.','Source: Report 2009, chapter Corporate governance, page 65','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1008,1042],[1008,1044],[1010,1068],[1000,1001]],'',''],[1268,'Dutch Corporate Governance Code','Although it is under no obligation to do so due to its cooperative structure, Rabobank Nederland complies with the Dutch Corporate Governance Code on a voluntary basis.','Source: Report 2009, chapter Corporate governance, page 66','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1008,1043],[1008,1044],[1010,1068],[1000,1001]],'',''],[1269,'Banking Code','On 9 September 2009, the Banking Code for the Dutch banks was adopted as binding by the Board of the Netherlands Bankers’ Association.','Source: Report 2009, chapter Corporate governance, page 66','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1007,1034],[1007,1038],[1008,1043],[1008,1044],[1008,1045],[1008,1046],[1010,1068],[1000,1001]],'',''],[1270,'Management','Membership of the Executive Board of Rabobank Nederland','Source: Report 2009, chapter Management, page 68','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1008,1043],[1008,1044],[1010,1070],[1000,1001]],'',''],[1271,'Membership of the Supervisory Board of Rabobank Nederland','The memberships of the committees of the Supervisory Board are stated in the Report of the Supervisory Board of Rabobank Nederland.','Source: Report 2009, chapter Management, page 69','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1008,1043],[1008,1044],[1010,1070],[1000,1001],[1001,1005]],'',''],[1272,'Directors and Chairmen','Directors of Rabobank Nederland','Source: Report 2009, chapter Management, page 69','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1008,1043],[1008,1044],[1010,1070],[1000,1001],[1001,1005]],'',''],[1273,'Management teams Rabobank International','Management team Wholesale (as from 1 October 2009)','Source: Report 2009, chapter Management, page 70','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1008,1043],[1008,1044],[1010,1070],[1000,1001]],'',''],[1274,'Chairmen of major subsidiaries','Chairmen','Source: Report 2009, chapter Management, page 70','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1008,1043],[1008,1044],[1010,1070],[1000,1001],[1001,1005]],'',''],[1275,'Report of the Supervisory Board of Rabobank Nederland','In 2009, Rabobank did not escape the effects of the global economic turndown following the crisis in the financial markets.','Source: Report 2009, chapter Report of the Supervisory Board of Rabobank Nederland, page 71','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1008,1042],[1008,1043],[1008,1044],[1010,1068],[1000,1001]],'',''],[1277,'Supervisory Board of Rabobank Nederland','Composition','Source: Report 2009, chapter Report of the Supervisory Board of Rabobank Nederland, page 71','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1008,1043],[1008,1044],[1010,1068],[1000,1001]],'',''],[1278,'Committees of the Supervisory Board','Audit & Compliance Committee','Source: Report 2009, chapter Report of the Supervisory Board of Rabobank Nederland, page 72','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1008,1043],[1008,1044],[1010,1068],[1000,1001],[1001,1005]],'',''],[1279,'Cooperative Issues Committee','The Cooperative Issues Committee performs preparatory work for the Supervisory Board’s decision-making on intended policies of the Executive Board.','Source: Report 2009, chapter Report of the Supervisory Board of Rabobank Nederland, page 73','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1008,1042],[1008,1043],[1010,1068],[1000,1001],[1001,1005]],'',''],[1280,'Appointments Committee','The Appointments Committee performs preparatory work for the Supervisory Board’s decision-making on the composition of and (re)appointments to the Supervisory Board and the Executive Board.','Source: Report 2009, chapter Report of the Supervisory Board of Rabobank Nederland, page 73','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1008,1043],[1008,1044],[1010,1068],[1000,1001],[1001,1005]],'',''],[1281,'Remuneration Committee','The Remuneration Committee performs preparatory work for the Supervisory Board’s decision-making on the remuneration of the members of the Executive Board and on the remuneration policy for members of the executive staff.','Source: Report 2009, chapter Report of the Supervisory Board of Rabobank Nederland, page 73','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1008,1043],[1008,1044],[1010,1068],[1000,1001],[1001,1005]],'',''],[1282,'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: Report 2009, chapter Report of the Supervisory Board of Rabobank Nederland, page 73','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1008,1043],[1008,1044],[1010,1068],[1000,1001],[1001,1005]],'',''],[1283,'The Supervisory Board’s own performance','The Supervisory Board continually reviews its own performance and that of the separate committees.','Source: Report 2009, chapter Report of the Supervisory Board of Rabobank Nederland, page 73','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1008,1043],[1008,1044],[1010,1068],[1000,1001]],'',''],[1284,'Activities of the Supervisory Board in 2009','In line with its formal duties, the Supervisory Board supervised the Executive Board’s policy and the general conduct of affairs at Rabobank Nederland and its affiliated entities.','Source: Report 2009, chapter Report of the Supervisory Board of Rabobank Nederland, page 74','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1008,1043],[1008,1044],[1010,1068],[1000,1001]],'',''],[1285,'Subjects receiving special attention in 2009','Financial statements 2008, interim report 2009 and budget for 2010','Source: Report 2009, chapter Report of the Supervisory Board of Rabobank Nederland, page 74','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1008,1043],[1008,1044],[1010,1068],[1000,1001]],'',''],[1286,'Remuneration policy','Remuneration policies of financial institutions have been a subject of debate in the public domain for some time, and bonus policies at some financial institutions has been described as exorbitant by a number of commentators.','Source: Report 2009, chapter Report of the Supervisory Board of Rabobank Nederland, page 76','aj',1,0,[[1000,1000],[1000,1001],[1002,1008]],'',''],[1287,'Assessment and remuneration of the Executive Board','In 2009, the remuneration of the members and former members of the Executive Board of Rabobank Nederland amounted to EUR 9.9 (9.0) million.','Source: Report 2009, chapter Report of the Supervisory Board of Rabobank Nederland, page 75','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1008,1043],[1008,1044],[1008,1046],[1010,1068],[1000,1001],[1001,1005]],'',''],[1288,'Strong performance','Rabobank Group coped well with the effects of the difficult market conditions and the Supervisory Board concluded that the cooperative organisational structure again fully proved its strength in 2009.','Source: Report 2009, chapter Report of the Supervisory Board of Rabobank Nederland, page 76','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1008,1043],[1008,1044],[1010,1068],[1000,1001]],'',''],[1289,'Employees','Rabobank is extremely ambitious.','Source: Report 2009, chapter Employees, page 77','aj',1,0,[[1000,1000],[1002,1008],[1003,1010],[1008,1047],[1010,1068],[1000,1001]],'',''],[1290,'Vision of learning and development','Within Rabobank, the concept of staff development is becoming more and more broad.','Source: Report 2009, chapter Employees, page 77','aj',1,0,[[1000,1000],[1002,1008],[1003,1011],[1008,1047],[1010,1068],[1000,1001]],'',''],[1291,'Management and talent development','As sustainability is a core value of Rabobank Group, sustainable employer-employee relationships are one of the principles of management and talent development.','Source: Report 2009, chapter Employees, page 77','aj',1,0,[[1000,1000],[1002,1008],[1003,1011],[1008,1047],[1010,1068],[1000,1001]],'',''],[1292,'Expert employees','Customer focus comes down to dealing with people.','Source: Report 2009, chapter Employees, page 78','aj',1,0,[[1000,1000],[1002,1008],[1003,1011],[1008,1047],[1010,1068],[1000,1001]],'',''],[1293,'Vision for 2010: impact on bank, clients and employees','Almost all local Rabobanks are actively involved with the Rabobank 2010 Vision, participating in at least one of the five support programmes.','Source: Report 2009, chapter Employees, page 78','aj',1,0,[[1000,1000],[1002,1008],[1003,1011],[1008,1047],[1010,1068],[1000,1001]],'',''],[1294,'New ways of working','Clients determine where and when work is done.','Source: Report 2009, chapter Employees, page 78','aj',1,0,[[1000,1000],[1002,1008],[1003,1011],[1008,1047],[1010,1068],[1000,1001]],'',''],[1295,'Trust and integrity in performance management','Rabobank’s core values of trust and integrity form the basis for day-to-day activities and help raise awareness of CSR.','Source: Report 2009, chapter Employees, page 78','aj',1,0,[[1000,1000],[1002,1008],[1003,1011],[1007,1038],[1008,1047],[1010,1068],[1000,1001]],'',''],[1296,'Diversity in the workplace','Rabobank Group believes that differences between people should be celebrated.','Source: Report 2009, chapter Employees, page 79','aj',1,0,[[1000,1000],[1002,1008],[1003,1011],[1008,1047],[1010,1068],[1000,1001]],'',''],[1297,'Women at the top','Encouraging more women to reach to top ranks remains an important issue.','Source: Report 2009, chapter Employees, page 79','aj',1,0,[[1000,1000],[1002,1008],[1003,1011],[1008,1047],[1010,1068],[1000,1001]],'',''],[1298,'A good employer','During 2009, the popularity of working in the financial sector declined.','Source: Report 2009, chapter Employees, page 79','aj',1,0,[[1000,1000],[1002,1008],[1003,1011],[1008,1047],[1010,1068],[1000,1001]],'',''],[1299,'A new collective bargaining agreement','Rabobank concluded a new collective bargaining agreement (CBA) in April 2009.','Source: Report 2009, chapter Employees, page 79','aj',1,0,[[1000,1000],[1002,1008],[1003,1011],[1008,1047],[1010,1068],[1000,1001]],'',''],[1300,'Employability','An organisation that changes as much as Rabobank needs to pay constant attention to employability from the perspective of both the employer and employees.','Source: Report 2009, chapter Employees, page 80','aj',1,0,[[1000,1000],[1002,1008],[1003,1011],[1008,1046],[1008,1047],[1010,1068],[1000,1001]],'',''],[1301,'Surviving the crisis in good shape','The Rabobank Group Occupational Health and Safety Service continued to make a vital contribution to the health of our organisation in 2009.','Source: Report 2009, chapter Employees, page 80','aj',1,0,[[1000,1000],[1002,1008],[1003,1011],[1008,1047],[1010,1068],[1000,1001]],'',''],[1302,'Pension funds','Pension provisions relating to employees of the local Rabobanks, Rabobank Nederland, De Lage Landen, Schretlen & Co, Obvion and Rabo Real Estate Group are administered by the Rabobank pension fund.','Source: Report 2009, chapter Employees, page 81','aj',1,0,[[1000,1000],[1002,1008],[1003,1011],[1008,1046],[1008,1047],[1010,1068],[1000,1001],[1001,1005]],'',''],[1303,'Employment Disputes Committee','In 2009, Rabobank’s Employment Disputes Committee handled 238 cases, 22 more than in 2008.','Source: Report 2009, chapter Employees, page 81','aj',1,0,[[1000,1000],[1002,1008],[1003,1011],[1007,1036],[1008,1047],[1010,1068],[1000,1001]],'',''],[1304,'Whistleblower regulation','Rabobank Nederland and the local Rabobanks have a Regulation on the Internal Reporting of Abuse, as well as an external confidential contact person and a confidentiality committee.','Source: Report 2009, chapter Employees, page 81','aj',1,0,[[1000,1000],[1002,1008],[1003,1011],[1007,1036],[1008,1047],[1010,1068],[1000,1001]],'',''],[1305,'Working together towards a sustainable future','Rabobank Group wants to make an economic, social and ecological contribution to building a sustainable society.','Source: Report 2009, chapter Working together towards a sustainable future, page 82','aj',1,0,[[1000,1000],[1002,1008],[1003,1011],[1004,1014],[1004,1016],[1007,1038],[1008,1045],[1010,1068],[1000,1001],[1010,1071]],'',''],[1306,'Central CSR themes','Pursuing a sound CSR policy is a strategic choice for Rabobank Group.','Source: Report 2009, chapter Working together towards a sustainable future, page 82','aj',1,0,[[1000,1000],[1002,1008],[1003,1011],[1004,1014],[1004,1016],[1007,1034],[1007,1035],[1007,1037],[1007,1040],[1007,1041],[1008,1045],[1010,1068],[1000,1001],[1010,1071]],'',''],[1307,'Key performance indicators','The Annual Sustainability Report 2008 formulated ten key performance indicators (KPIs) for the four central CSR themes.','Source: Report 2009, chapter Working together towards a sustainable future, page 83','aj',1,0,[[1000,1000],[1002,1008],[1003,1011],[1004,1014],[1004,1016],[1007,1033],[1007,1034],[1007,1035],[1007,1037],[1007,1039],[1007,1040],[1007,1041],[1010,1068],[1000,1001]],'',''],[1308,'Organisation and management of CSR','The organisation and management of Rabobank Group’s CSR policies and processes did not change in the reporting period.','Source: Report 2009, chapter Working together towards a sustainable future, page 83','aj',1,0,[[1000,1000],[1002,1008],[1003,1011],[1004,1014],[1008,1043],[1008,1044],[1010,1068],[1000,1001]],'',''],[1309,'Customer care','The added value that we, at Rabobank, want to provide to our customers means that we need to offer high-quality, responsible customer services.','Source: Report 2009, chapter Customer care, page 84','aj',1,0,[[1000,1000],[1002,1008],[1003,1011],[1003,1012],[1004,1014],[1010,1068],[1000,1001]],'',''],[1310,'Support for retail clients','The financial crisis has made it more important than ever that clients in financial difficulties receive proper support.','Source: Report 2009, chapter Customer care, page 84','aj',1,0,[[1000,1000],[1002,1008],[1003,1011],[1003,1012],[1004,1014],[1010,1068],[1000,1001]],'',''],[1311,'Complaints procedure','Rabobank attaches great value to a proper complaints procedure for clients.','Source: Report 2009, chapter Customer care, page 85','aj',1,0,[[1000,1000],[1002,1008],[1003,1011],[1003,1012],[1004,1014],[1010,1068],[1000,1001]],'',''],[1312,'Safety, security and privacy','Rabobank acknowledges that safety, security and privacy are extremely important to clients and employees.','Source: Report 2009, chapter Customer care, page 85','aj',1,0,[[1000,1000],[1002,1008],[1003,1011],[1003,1012],[1004,1014],[1010,1068],[1000,1001]],'',''],[1313,'Dialogue with stakeholders','One of the distinguishing features of Rabobank’s approach to corporate social responsibility is that it seeks to hold a dialogue with stakeholders on social trends and issues.','Source: Report 2009, chapter Dialogue with stakeholders, page 86','aj',1,0,[[1000,1000],[1002,1008],[1003,1011],[1003,1012],[1007,1036],[1010,1068],[1000,1001]],'',''],[1314,'Dialogue about issues that matter','The materiality principle forms the starting point for our dialogue with stakeholders.','Source: Report 2009, chapter Dialogue with stakeholders, page 86','aj',1,0,[[1000,1000],[1002,1008],[1003,1011],[1003,1012],[1004,1017],[1007,1036],[1008,1042],[1008,1045],[1010,1068],[1000,1001]],'',''],[1315,'Dialogue on introducing sustainability in value chains','Rabobank supports concrete initiatives for introducing sustainability to food and agri chains by participating in sector-wide national and international talks.','Source: Report 2009, chapter Dialogue with stakeholders, page 86','aj',1,0,[[1000,1000],[1002,1008],[1003,1011],[1003,1012],[1005,1019],[1007,1036],[1010,1068],[1000,1001]],'',''],[1316,'Update on statement on arms industry','Rabobank Group’s policy statement on the arms industry was expounded upon in 2009.','Source: Report 2009, chapter Dialogue with stakeholders, page 87','aj',1,0,[[1000,1000],[1002,1008],[1003,1011],[1007,1036],[1007,1038],[1010,1068],[1000,1001]],'',''],[1317,'Human rights policy','Rabobank has had a human rights policy since 2002.','Source: Report 2009, chapter Dialogue with stakeholders, page 87','aj',1,0,[[1000,1000],[1002,1008],[1003,1011],[1007,1036],[1007,1038],[1010,1068],[1000,1001]],'',''],[1318,'Internal dialogue on integrating CSR into core activities','In 2009, the ways in which corporate social responsibility contributes to core activities, and central themes for CSR can be fleshed out, were discussed within Rabobank Group.','Source: Report 2009, chapter Dialogue with stakeholders, page 87','aj',1,0,[[1000,1000],[1002,1008],[1003,1011],[1007,1036],[1010,1068],[1000,1001]],'',''],[1319,'Dialogue with Dutch Fair Bank Guide','In 2009, Oxfam Novib, Amnesty International, Friends of the Earth Netherlands and FNV Mondiaal launched the Dutch Fair Bank Guide (Eerlijke Bankwijzer), a website that compares the performance of 12 Dutch banks in the area of sustainability.','Source: Report 2009, chapter Dialogue with stakeholders, page 87','aj',1,0,[[1000,1000],[1002,1008],[1003,1011],[1007,1035],[1007,1036],[1010,1068],[1000,1001]],'',''],[1320,'Ethics Committee: a benchmark for internal dialogue','The Ethics Committee of Rabobank Group, which is led by the Chairman of the Executive Board using the Rabobank Group Code of Conduct, other internal policies and external rules of conduct as a basis.','Source: Report 2009, chapter Dialogue with stakeholders, page 88','aj',1,0,[[1000,1000],[1002,1008],[1003,1011],[1007,1036],[1007,1038],[1010,1068],[1000,1001]],'',''],[1321,'The cooperative in society','As a cooperative, Rabobank Group aims to be a driver and an innovator that contributes to the sustainable development of prosperity and well-being.','Source: Report 2009, chapter The cooperative in society, page 89','aj',1,0,[[1000,1000],[1002,1008],[1003,1011],[1004,1016],[1007,1037],[1008,1042],[1010,1068],[1010,1070],[1000,1001],[1001,1005]],'',''],[1322,'Rabobank Foundation','Rabobank Foundation was established in 1973 to help underprivileged people, both in the Netherlands and elsewhere.','Source: Report 2009, chapter The cooperative in society, page 89','aj',1,0,[[1000,1000],[1002,1008],[1003,1011],[1007,1037],[1007,1041],[1008,1042],[1010,1068],[1000,1001],[1010,1071]],'',''],[1323,'Rabobank Project Fund','The Rabobank Project Fund supports innovative, sustainable projects in the Netherlands that bring economic and social benefits to large groups of members.','Source: Report 2009, chapter The cooperative in society, page 90','aj',1,0,[[1000,1000],[1002,1008],[1003,1011],[1007,1037],[1007,1040],[1007,1041],[1008,1042],[1010,1068],[1000,1001]],'',''],[1324,'Rabobank and volunteering','Providing various kinds of support for volunteering activities that lead to social improvements is another form of cooperative dividend.','Source: Report 2009, chapter The cooperative in society, page 90','aj',1,0,[[1000,1000],[1002,1008],[1003,1011],[1007,1037],[1007,1041],[1008,1042],[1010,1068],[1000,1001]],'',''],[1325,'Social ambitions of clients','Interest in contributing to social initiatives is growing among high net worth individuals.','Source: Report 2009, chapter The cooperative in society, page 90','aj',1,0,[[1000,1000],[1002,1008],[1003,1011],[1007,1037],[1007,1041],[1008,1042],[1010,1068],[1000,1001]],'',''],[1326,'Banking in developing countries','For many decades, Rabobank has worked to improve access to financial services for people living in developing countries, drawing on its long experience as a cooperative in the agricultural sector.','Source: Report 2009, chapter Banking in developing countries, page 91','aj',1,0,[[1000,1000],[1002,1008],[1003,1011],[1007,1037],[1007,1040],[1007,1041],[1008,1049],[1009,1052],[1010,1068],[1000,1001],[1001,1005],[1010,1069]],'',''],[1574,'Rabobank Foundation and Rabo Development','Rabobank Foundation provides support to savings and credit organisations and farmers’ organisations in rural districts, focusing on microfinance and sustainable chain development.','Source: Report 2009, chapter Banking in developing countries, page 91','aj',1,0,[[1000,1000],[1002,1008],[1003,1011],[1007,1037],[1007,1040],[1007,1041],[1008,1049],[1009,1052],[1010,1068],[1000,1001],[1010,1071]],'',''],[1327,'Increasing sustainability in chains and production methods','Cooperation within Rabobank Group allows influence to be exercised over specific parts of the value chain, ranging from producers to multinationals.','Source: Report 2009, chapter Banking in developing countries, page 92','aj',1,0,[[1000,1000],[1002,1008],[1003,1011],[1007,1037],[1007,1040],[1008,1049],[1009,1052],[1010,1068],[1000,1001],[1010,1071]],'',''],[1328,'Rabobank Sustainable Agri Fund','The Rabobank Sustainable Agri Fund, which was set up by Rabobank International in association with Rabobank Foundation, is another example of sustainable banking in developing countries.','Source: Report 2009, chapter Banking in developing countries, page 92','aj',1,0,[[1000,1000],[1002,1008],[1003,1011],[1007,1037],[1007,1040],[1007,1041],[1010,1068],[1000,1001]],'',''],[1329,'Responsible operations','Rabobank Group promotes environmentally aware, responsible banking and sustainability in value chains in the course of its operations by means of energy efficiency and the application of renewable energy sources, among other things.','Source: Report 2009, chapter Responsible operations, page 93','aj',1,0,[[1000,1000],[1002,1008],[1003,1011],[1004,1016],[1007,1039],[1010,1068],[1000,1001]],'',''],[1330,'A more sustainable and efficient climate footprint','The starting point of Rabobank Group’s climate and energy policy is that its operations should be climate-neutral.','Source: Report 2009, chapter Responsible operations, page 93','aj',1,0,[[1000,1000],[1002,1008],[1003,1011],[1004,1016],[1007,1035],[1007,1039],[1010,1068],[1000,1001],[1010,1071]],'',''],[1331,'Green ICT','Green ICT (environmentally sustainable computing) is a key objective for the years 2009 to 2013.','Source: Report 2009, chapter Responsible operations, page 94','aj',1,0,[[1000,1000],[1002,1008],[1003,1011],[1004,1016],[1007,1035],[1007,1039],[1010,1068],[1000,1001]],'',''],[1332,'Sustainable mobility','Rabobank encourages commuting by public transport, reduces traffic congestion by enabling employees to work in accordance with the ‘Unplugged’ concept, and is a partner in the Dutch anti-congestion day.','Source: Report 2009, chapter Responsible operations, page 94','aj',1,0,[[1000,1000],[1002,1008],[1003,1011],[1004,1016],[1007,1035],[1007,1039],[1010,1068],[1000,1001]],'',''],[1333,'Sustainable, socially responsible purchasing','The importance of CSR was clarified and further safeguarded in the purchasing processes of Rabobank Group Purchasing, covering all aspects from order placement to the evaluation of the result of a particular purchase.','Source: Report 2009, chapter Responsible operations, page 94','aj',1,0,[[1000,1000],[1002,1008],[1003,1011],[1007,1039],[1010,1068],[1000,1001]],'',''],[1334,'Paper consumption','Rabobank Group aims to reduce paper consumption by employees and the amount of paperwork that clients have to deal with.','Source: Report 2009, chapter Responsible operations, page 94','aj',1,0,[[1000,1000],[1002,1008],[1003,1011],[1007,1039],[1010,1068],[1000,1001]],'',''],[1335,'Profile of Rabobank Group','Rabobank Group is an international financial services provider operating on the basis of cooperative principles.','Source: Report 2009, chapter Profile of Rabobank Group, page 96','aj',1,0,[[1000,1000],[1002,1008],[1008,1048],[1008,1049],[1009,1050],[1009,1051],[1009,1052],[1010,1068],[1000,1001],[1001,1005]],'',''],[1101,'Rabobank Group organisation chart','The local Rabobanks and their members make up the core of the banking business.','Source: Report 2009, chapter Profile Rabobank Group, page 97','aj',1,0,[[1000,1000],[1002,1008],[1008,1048],[1010,1069],[1000,1001],[1001,1005]],'',''],[1336,'Global presence Rabobank Group','With Rabobank and its subsidiaries, Rabobank Group operates in 48 countries, including the Netherlands.','Source: Report 2009, chapter Profile of Rabobank Group, page 98','aj',1,0,[[1000,1000],[1002,1008],[1008,1048],[1008,1049],[1009,1052],[1010,1069],[1000,1001],[1001,1005]],'',''],[1456,'General information','Rabobank Group is an international financial services provider operating on the basis of cooperative principles whose core comprises 147 local Rabobanks with 1,010 branches in the Netherlands.','Source: Consolidated Financial Statements 2009, chapter General Information, page 3','jr',1,0,[[1002,1009],[1003,1010],[1008,1048],[1010,1068],[1000,1000],[1000,1001]],'',''],[1103,'Consolidated statement of financial position','Overview consolidated statement of financial position','Source: Consolidated Financial Statements 2009, chapter Annual figures, page 4','jr',1,0,[[1000,1000],[1002,1009],[1003,1010],[1006,1024],[1006,1025],[1010,1070],[1000,1001],[1001,1005]],'',''],[1104,'Consolidated statement of income','Overview consolidated statement of income','Source: Consolidated Financial Statements 2009, chapter Annual figures, page 6','jr',1,0,[[1000,1000],[1002,1009],[1003,1010],[1006,1024],[1006,1026],[1010,1070],[1000,1001]],'',''],[1105,'Consolidated statement of comprehensive income','Overview consolidated statement of comprehensive income','Source: Consolidated Financial Statements 2009, chapter Annual figures, page 7','jr',1,0,[[1000,1000],[1002,1009],[1003,1010],[1006,1026],[1010,1070],[1000,1001],[1001,1005]],'',''],[1337,'Consolidated statement of changes in equity','Overview consolidated statement','Source: Consolidated Financial Statements 2009, chapter Annual figures, page 8','jr',1,0,[[1000,1000],[1002,1009],[1003,1010],[1006,1028],[1010,1070],[1000,1001],[1001,1005]],'',''],[1107,'Consolidated statement of cash flows','Overview consolidated statement of cash flows','Source: Consolidated Financial Statements 2009, chapter Annual figures, page 9','jr',1,0,[[1000,1000],[1002,1009],[1003,1010],[1006,1026],[1010,1070],[1000,1001],[1001,1005]],'',''],[1462,'Notes to the consolidated financial statements','The consolidated financial statements of Rabobank include the financial information of Rabobank Nederland and that of the Members and the other group companies.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 10','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1030],[1006,1031],[1010,1068]],'',''],[1463,'2 Accounting policies','The main accounting policies used in preparing these consolidated financial statements are explained below.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 10','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1030],[1006,1031],[1010,1068]],'',''],[1464,'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 2009, chapter Notes to the consolidated financial statements, page 11','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1026],[1006,1030],[1006,1031]],'',''],[1465,'2.3 Derivative financial instruments and hedging','Derivative financial instruments generally comprise foreign currency contracts.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 12','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1030],[1006,1031]],'',''],[1466,'2.4 Trade liabilities and other liabilities at fair value through profit and loss','Trade liabilities and other liabilities at fair value through profit and loss.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 13','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1030],[1006,1031]],'',''],[1467,'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 2009, chapter Notes to the consolidated financial statements, page 13','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1030],[1006,1031]],'',''],[1468,'2.6 Non-trading financial assets and liabilities at fair value through profit and 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 and loss.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 13','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1030],[1006,1031]],'',''],[1469,'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 2009, chapter Notes to the consolidated financial statements, page 13','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1030],[1006,1031]],'',''],[1470,'2.8 Available-for-sale financial assets','Management determines the appropriate classification of a financial asset on the date of acquisition.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 14','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1030],[1006,1031]],'',''],[1471,'2.9 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: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 14','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1030],[1006,1031]],'',''],[1472,'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 2009, chapter Notes to the consolidated financial statements, page 14','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1030],[1006,1031]],'',''],[1473,'2.11 Securitisations and other derecognition constructions','Rabobank securitises, sells and carries various financial assets.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 14','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1030],[1006,1031]],'',''],[1474,'2.12 Cash and cash equivalents','Cash equivalents are highly liquid short-term investments held to meet current obligations in cash, rather than for investments or other purposes.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 15','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1030],[1006,1031]],'',''],[1475,'2.13 Netting of financial assets and liabilities','Financial assets and liabilities are set off.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 15','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1030],[1006,1031]],'',''],[1476,'2.14 Foreign currencies','Items included in the financial statements.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 15','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1030],[1006,1031]],'',''],[1477,'2.15 Interest','Interest income and expense for all interest-bearing instruments is recognised in profit and loss on an accrual basis, with the effective interest method being applied.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 16','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1030],[1006,1031]],'',''],[1478,'2.16 Fees and commission','Income from asset management activities consists mainly of unit trust, fund management commission and administration.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 16','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1030],[1006,1031]],'',''],[1479,'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, not listed on an active market.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 16','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1030],[1006,1031]],'',''],[1480,'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 2009, chapter Notes to the consolidated financial statements, page 17','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1030],[1006,1031]],'',''],[1481,'2.19 Property and equipment','Equipment is recognised at historical cost net of accumulated depreciation and impairments if applicable.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 17','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1030],[1006,1031]],'',''],[1482,'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 2009, chapter Notes to the consolidated financial statements, page 18','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1030],[1006,1031]],'',''],[1483,'2.21 Work in progress','Work in progress is included in ‘other assets’ in the statement of financial position.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 18','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1030],[1006,1031]],'',''],[1484,'2.22 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: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 18','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1030],[1006,1031]],'',''],[1485,'2.23 Provisions','Provisions are recognised if Rabobank has a present obligation (legal or constructive) as a result of a past event.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 18','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1030],[1006,1031]],'',''],[1486,'2.24 Employee benefits','Rabobank provides various pension plans based on the local conditions and practices of the countries in which it operates.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 19','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1030],[1006,1031],[1008,1046],[1008,1047]],'',''],[1487,'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 2009, chapter Notes to the consolidated financial statements, page 19','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1030],[1006,1031]],'',''],[1488,'2.26 Due to other banks, due to customers and debt securities in issue','These borrowings are initially recognised at cost, i.e. the proceeds received less directly attributable and non-recurring transaction costs.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 20','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1030],[1006,1031]],'',''],[1489,'2.27 Rabobank Member Certificates','These are the certificates for shares in the capital of Rabobank Ledencertificaten.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 20','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1030],[1006,1031],[1008,1042]],'',''],[1490,'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 2009, chapter Notes to the consolidated financial statements, page 20','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1030],[1006,1031]],'',''],[1379,'2.29 Financial guarantees','Financial guarantees are initially measured at fair value.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 20','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1030],[1006,1031]],'',''],[1380,'2.30 Bills','Bills represent commitments by Rabobank to redeem bills issued to clients.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 20','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1030],[1006,1031]],'',''],[1381,'2.31 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: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 21','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1030],[1006,1031]],'',''],[1382,'2.32 Statement of cash flows','Cash and cash equivalents comprises cash resources, money market deposits and deposits at central banks.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 21','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1030],[1006,1031]],'',''],[1383,'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 2009, chapter Notes to the consolidated financial statements, page 21','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1027],[1006,1031],[1001,1005]],'',''],[1384,'4 Risk exposure of financial instruments','Rabobank Group manages risks at various levels.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 22','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1027],[1006,1031],[1008,1044]],'',''],[1385,'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 2009, chapter Notes to the consolidated financial statements, page 22','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1004,1014],[1006,1027],[1006,1031]],'',''],[1386,'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 2009, chapter Notes to the consolidated financial statements, page 22','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1027],[1006,1031],[1010,1068],[1010,1070],[1001,1005]],'',''],[1387,'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 2009, chapter Notes to the consolidated financial statements, page 23','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1027],[1006,1031]],'',''],[1388,'4.4.1 Maximum credit risk','The table below sets out the maximum credit risk.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 24','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1027],[1006,1031],[1001,1005]],'',''],[1501,'4.4.2 Loans','Apart from due from other banks, Rabobank’s only significant risk concentration is in the private sector lending; these loans to private customers account for 48% of all loans to customers.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 24','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1027],[1006,1031],[1010,1068],[1010,1070],[1001,1005]],'',''],[1502,'4.4.3 Derivative financial instruments','Rabobank sets strict limits for open positions, in amounts as well as in terms.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 25','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1027],[1006,1031]],'',''],[1503,'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 2009, chapter Notes to the consolidated financial statements, page 25','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1027],[1006,1031]],'',''],[1504,'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 2009, chapter Notes to the consolidated financial statements, page 26','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1027],[1006,1031]],'',''],[1505,'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 (PD) over a one-year period.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 26','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1027],[1006,1031],[1001,1005]],'',''],[1506,'Structured credit','Rabobank Group incurs limited exposure to more structured investments in its trading and investment portfolios.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 27','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1027],[1006,1031],[1001,1005]],'',''],[1507,'Monoline insurers','Monoline insurers are counterparties in some credit default swaps used to hedge the credit risk of certain investments.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 28','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1027],[1006,1031]],'',''],[1508,'Leveraged finance','The leveraged finance portfolio of Rabobank International amounted to 3.1 (3,4) billion at year-end 2009.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 29','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1027],[1006,1031]],'',''],[1509,'4.5 Currency risk','Rabobank is exposed to exchange rate fluctuations impacting the financial position and cash flows.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 29','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1027],[1006,1031],[1001,1005]],'',''],[1510,'4.6 Liquidity risk','Rabobank is exposed to liquidity risk, as well as the risk that the bank is unable to fund increases in assets at reasonable prices or unable at all.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 29','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1027],[1006,1031],[1001,1005]],'',''],[1511,'Market risk','Rabobank is exposed to market risk.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 31','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1027],[1006,1031],[1001,1005]],'',''],[1512,'4.8 Operational risk','Operational risk is a risk category to which every single organisation is exposed.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 33','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1027],[1006,1031]],'',''],[1513,'4.9 Fair value of financial assets and liabilities','The next table shows the fair values of financial instruments based on the stated valuation methods and assumptions.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 33','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1027],[1006,1031],[1001,1005]],'',''],[1514,'4.10 Securities services','Rabobank provides management, advisory and custody services.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 36','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1027],[1006,1031]],'',''],[1515,'5 Business segments','The business segments Rabobank uses in its reporting are defined from a management viewpoint.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 37','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1024],[1006,1026],[1006,1029],[1006,1031],[1010,1070],[1001,1005],[1010,1068]],'',''],[1516,'6 Cash and cash equivalents','Mandatory reserve deposits consist of deposits with the Dutch Central Bank required under its minimum reserve policy.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 40','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1025],[1006,1031],[1001,1005]],'',''],[1517,'7 Due from other banks','Value adjustments of Due from other banks have been recognised in the statement of income as Value adjustments.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 40','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1025],[1006,1031],[1001,1005]],'',''],[1518,'8 Trading financial assets','Financial assets.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 41','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1025],[1006,1031],[1001,1005]],'',''],[1519,'9 Other financial assets at fair value through profit and loss','The maximum credit risk of other financial assets at fair value through profit and loss is 6,655 (2008: 7,021).','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 41','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1025],[1006,1031],[1001,1005]],'',''],[1520,'10 Derivative financial instruments and other trade liabilities','Forward currency and interest rate contracts are contractual obligations.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 41','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1025],[1006,1031]],'',''],[1521,'10.2 Derivative financial instruments issued or held for trading','Rabobank trades in financial instruments to take positions.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 42','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1025],[1006,1031]],'',''],[1522,'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 2009, chapter Notes to the consolidated financial statements, page 42','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1025],[1006,1031]],'',''],[1523,'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 2009, chapter Notes to the consolidated financial statements, page 43','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1025],[1006,1031],[1001,1005]],'',''],[1524,'11 Loans to customers','The impairment of reclassified assets amounts to 217 (2008: 317).','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 46','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1025],[1006,1031],[1001,1005]],'',''],[1525,'12 Available-for-sale financial assets','The impairment of available-for-sale financial assets amounts to 33 (2008: 646).','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 48','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1025],[1006,1026],[1006,1031],[1001,1005]],'',''],[1526,'13 Held-to-maturity financial assets','The changes in held-to-maturity financial assets can be broken down as follows:','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 48','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1025],[1006,1031],[1001,1005]],'',''],[1527,'14 Investments in associates','The main investments made in 2009 (totalling 416) were Eureko in the Netherlands, Banco Terra in Mozambique, Banco Regional in Paraguay and FinTerra in Mexico.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 49','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1025],[1006,1031],[1001,1005]],'',''],[1528,'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 2009, chapter Notes to the consolidated financial statements, page 49','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1025],[1006,1031],[1001,1005]],'',''],[1529,'16 Property and equipment','Overview property and equipment.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 50','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1025],[1006,1031],[1001,1005]],'',''],[1530,'17 Investment properties','The maximum remaining maturity of investment properties is 15 years.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 51','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1025],[1006,1031],[1001,1005]],'',''],[1531,'18 Other assets','Overview other assets.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 51','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1025],[1006,1031],[1001,1005]],'',''],[1532,'19 Due to other banks','Overview due to other banks.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 51','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1025],[1006,1031],[1001,1005]],'',''],[1533,'20 Due to customers','Due to customers also includes investments of central banks of 13 (2008: 23) billion.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 52','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1025],[1006,1031],[1001,1005]],'',''],[1534,'21 Debt securities in issue','Overview debt securities in issue.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 52','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1025],[1006,1031],[1001,1005]],'',''],[1535,'22 Other debts','Overview other debts.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 52','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1025],[1006,1031],[1001,1005]],'',''],[1536,'23 Other financial liabilities at fair value through profit and loss','Change in the fair value.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 52','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1025],[1006,1031],[1001,1005]],'',''],[1537,'24 Provisions','Rabobank recognised the following provisions during the year.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 53','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1025],[1006,1031],[1001,1005]],'',''],[1538,'25 Deferred tax','Deferred tax assets and liabilities are measured for all temporary differences.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 54','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1025],[1006,1031],[1001,1005]],'',''],[1539,'26 Employee benefits','Overview employee benefits.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 55','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1025],[1006,1031],[1008,1046],[1008,1047],[1001,1005]],'',''],[1540,'27 Subordinated debt','Movements in the Trust Preferred Securities II are stated.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 57','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1025],[1006,1031],[1001,1005]],'',''],[1541,'28 Contingencies and commitments','Credit related liabilities.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 58','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1025],[1006,1031],[1001,1005]],'',''],[1542,'29 Equity','Equity of Rabobank Nederland and local Rabobanks.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 59','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1025],[1006,1026],[1006,1031],[1001,1005]],'',''],[1543,'30 Rabobank Member Certificates issued by a group company','Members’ capital relates to the share certificates issued in 2000, 2001, 2002 and 2005.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 60','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1025],[1006,1026],[1006,1031],[1008,1042]],'',''],[1544,'31 Capital Securities and Trust Preferred Securities III to VI','Capital Securities can be broken down as follows:','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 61','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1025],[1006,1026],[1006,1031],[1001,1005]],'',''],[1545,'32 Non-controlling interests','This item relates to shares held by third parties in subsidiaries and other group companies.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 63','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1025],[1006,1026],[1006,1031],[1001,1005]],'',''],[1546,'33 Interest','Capitalised interest attributable to qualifying assets amounted to 28 (2008: 69).','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 63','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1026],[1006,1031],[1001,1005]],'',''],[1547,'34 Fees and commission','Overview  fees and commission.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 64','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1026],[1006,1031],[1001,1005]],'',''],[1548,'35 Income from associates','Overview income from associates.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 64','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1026],[1006,1031],[1001,1005]],'',''],[1437,'36 Net income from financial assets and liabilities at fair value through profit and 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 2009, chapter Notes to the consolidated financial statements, page 64','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1026],[1006,1031],[1001,1005]],'',''],[1550,'37 Other income','Rental income includes operating lease income and rental income from investment properties.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 65','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1026],[1006,1031],[1001,1005]],'',''],[1551,'38 Staff costs','Expressed in FTEs, the average number of employees was 59,939 (2008: 57,652).','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 65','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1026],[1006,1031],[1008,1047],[1001,1005]],'',''],[1552,'39 Other administrative expenses','This item includes office supplies, travel expenses, IT expenses, postage, advertising, rent, maintenance of buildings, etc.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 65','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1026],[1006,1031],[1001,1005]],'',''],[1553,'40 Depreciation and amortisation','Overview depreciation and amortisation.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 65','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1026],[1006,1031],[1001,1005]],'',''],[1554,'41 Value adjustments','Overview value adjustments.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 65','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1026],[1006,1031],[1001,1005]],'',''],[1555,'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 2009, chapter Notes to the consolidated financial statements, page 66','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1026],[1006,1031],[1001,1005]],'',''],[1556,'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 2009, chapter Notes to the consolidated financial statements, page 66','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1031],[1001,1005]],'',''],[1557,'44 Fees for services in accordance with Section 382a of Book 2 of the Dutch Civil Code','Overview fees for services.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 67','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1031]],'',''],[1558,'45 Supervisory Board and Executive Board','Rabobank regards the members of the Executive Board as managers with key positions.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 67','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1031],[1008,1043],[1008,1046],[1008,1047],[1001,1005]],'',''],[1559,'46 Principal subsidiaries and associates','Rabobank holds less than 20% of the voting rights in Equens, but has significant influence over Equens.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 68','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1031],[1001,1005]],'',''],[1560,'47 Reverse repurchase transactions and securities borrowing agreements','Reverse repurchase transactions and securities borrowing agreements concluded by Rabobank are included under ‘Due from other banks’ and ‘Loans to customers’.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 69','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1031],[1001,1005]],'',''],[1561,'48 Repurchase transactions and securities lending agreements','Repurchase transactions and securities lending agreements concluded by Rabobank are included under ‘Due from/to other banks’ and ‘Due to Customers’.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 69','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1031],[1001,1005]],'',''],[1562,'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 2009, chapter Notes to the consolidated financial statements, page 69','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1027],[1006,1031]],'',''],[1563,'50 Events after the reporting date','No events after the reporting date have occurred to date.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 69','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1031]],'',''],[1564,'51 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 2009, chapter Notes to the consolidated financial statements, page 70','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1031]],'',''],[1565,'52 Approval by Supervisory Board','The publication of these consolidated financial statements was approved by the Supervisory Board on 4 March 2010.','Source: Consolidated Financial Statements 2009, chapter Notes to the consolidated financial statements, page 71','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1031],[1008,1043]],'',''],[1566,'Auditor’s report','Auditor’s report Ernst & Young','Source: Consolidated Financial Statements 2009, chapter Auditor\'s report, page 72','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1031],[1008,1043]],'',''],[1567,'Assurance report','Assurance report  Ernst & Young','Source: Consolidated Financial Statements 2009, chapter Assurance report, page 74','jr',1,0,[[1000,1000],[1000,1001],[1002,1009],[1003,1010],[1006,1031]],'',''],[1112,'rabobank.nl','','','unknown',1,1,[[1000,1002]],'http://www.rabobank.nl',''],[1113,'obvion.nl','','','unknown',1,1,[[1000,1002]],'http://www.obvion.nl',''],[1114,'bizner.nl','','','unknown',1,1,[[1000,1002]],'http://www.bizner.nl',''],[1115,'rabobank.com','','','unknown',1,1,[[1000,1002]],'http://www.rabobank.com',''],[1116,'bgz.pl','','','unknown',1,1,[[1000,1002]],'http://www.bgz.pl',''],[1117,'accbank.ie','','','unknown',1,1,[[1000,1002]],'http://www.accbank.ie',''],[1122,'robeco.com','','','unknown',1,1,[[1000,1002]],'http://www.robeco.com',''],[1123,'sarasin.com','','','unknown',1,1,[[1000,1002]],'http://www.sarasin.com',''],[1124,'schretlen.com','','','unknown',1,1,[[1000,1002]],'http://www.schretlen.com',''],[1127,'delagelanden.com','','','unknown',1,1,[[1000,1002]],'http://www.delagelanden.com',''],[1128,'raborealestategroup.com','','','unknown',1,1,[[1000,1002]],'http://www.raborealestategroup.com ',''],[1129,'interpolis.nl','','','unknown',1,1,[[1000,1002]],'http://www.interpolis.nl',''],[1130,'eureko.com','','','unknown',1,1,[[1000,1002]],'http://www.eureko.com',''],[1131,'rabobank.com/ir','','','unknown',1,1,[[1000,1002]],'http://www.rabobank.com/ir',''],[1119,'rabobank.com/csr','','','unknown',1,1,[[1000,1002]],'http://www.rabobank.com/csr',''],[1133,'rabobank.com/aboutus','','','unknown',1,1,[[1000,1002]],'http://www.rabobank.com/aboutus',''],[1339,'rabobank.com/rabofarm','','','unknown',1,1,[[1000,1002],[1003,1013]],'http://www.rabobank.com/rabofarm',''],[1118,'rabobank.com/rabodevelopment','','','unknown',1,1,[[1000,1002]],'http://www.rabobank.com/rabodevelopment',''],[1120,'rabobank.com.au','','','unknown',1,1,[[1000,1002]],'http://www.rabobank.com.au',''],[1121,'rabobankamerica.com','','','unknown',1,1,[[1000,1002]],'http://www.rabobankamerica.com',''],[1125,'sarasin.ch/sustainability','','','unknown',1,1,[[1000,1002]],'http://www.sarasin.ch/sustainability',''],[1126,'robeco.com/responsibleinvesting','','','unknown',1,1,[[1000,1002]],'http://www.robeco.com/responsibleinvesting',''],[1134,'Rerun Press conference','','','unknown',1,1,[[1000,1002]],'http://rabowebtv.dutchview.nl/rabo20100304en-pe-flash',''],[1341,'sam-group.com','','','unknown',1,1,[[1000,1002],[1003,1011],[1005,1020]],'http://www.sam-group.com ',''],[1342,'delagelanden.com/vendorfinance','','','unknown',1,1,[[1000,1002],[1005,1022]],'http://www.delagelanden.com/vendorfinance',''],[1343,'delagelanden.com/products_services','','','unknown',1,1,[[1000,1002],[1005,1022]],'http://www.delagelanden.com/products_services',''],[1568,'rabobank.com/rabobankfoundation','','','unknown',1,1,[[1000,1002],[1003,1011],[1007,1040],[1007,1041]],'http://www.rabobank.com/rabobankfoundation',''],[1338,'rabobank.com/food-agri','','','unknown',1,1,[[1000,1002],[1003,1013],[1009,1052]],'http://www.rabobank.com/content/food_agri/',''],[1570,'rabobank.com/csr-figures','','','unknown',1,1,[[1000,1002]],'http://www.rabobank.com/csr-figures',''],[1572,'rabobank.com/corporategovernance','','','unknown',1,1,[[1008,1044],[1000,1002]],'http://www.rabobank.com/corporategovernance','']];