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Rabobank Annual Reports 2009

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Responsible banking and retail clients

Source: Interim Report 2010, chapter Domestic retail banking, page 16

Rabobank has identified four themes in relation to responsible, sustainable banking, and these continued to form the starting point for the ongoing development of services in 2010.

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New products for retail clients

Source: Interim Report 2010, chapter Domestic retail banking, page 16

At the end of 2009, Rabobank introduced four new current accounts: DirectPakket, BasisPakket, TotaalPakket and RiantPakket.

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Business insurance

Source: Interim Report 2010, chapter Insurance, page 36

In the corporate market, focus was placed mainly on transparency and ease for the client in the first half of 2010.

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Developments in mortgage products

Source: Report 2009, chapter Domestic retail banking, page 21

The RaboOpbouwHypotheek (build-up mortgage) has offered a tax-efficient savings facility for mortgage repayments since 2008.

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Banking Code

Source: Report 2009, chapter Corporate governance, page 66

On 9 September 2009, the Banking Code for the Dutch banks was adopted as binding by the Board of the Netherlands Bankers’ Association.

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Central CSR themes

Source: Report 2009, chapter Working together towards a sustainable future, page 82

Pursuing a sound CSR policy is a strategic choice for Rabobank Group.

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Key performance indicators

Source: Report 2009, chapter Working together towards a sustainable future, page 83

The Annual Sustainability Report 2008 formulated ten key performance indicators (KPIs) for the four central CSR themes.

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Developments in mortgage products

The RaboOpbouwHypotheek (build-up mortgage) has offered a tax-efficient savings facility for mortgage repayments since 2008. Thanks to its transparency and low fee structure, this became Rabobank’s best sold mortgage product in 2009. The Rabo KlimaatHypotheek (climate mortgage) and the Rabo SpringPlank Hypotheek (springboard
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