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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.

Rabo Development supports rural banks in developing countries

Source: Interim Report 2010, chapter Wholesale banking and international retail banking, page 21

Rabo Development helps rural banks active in developing countries to transform themselves into professional, modern financial institutions.

Rabo Development acquires equity stake in Sicredi and injects capital into URCB

Source: Interim Report 2010, chapter Wholesale banking and international retail banking, page 21

Rabo Development acquired a 30% equity state in Banco Cooperativo Sicredi S.A., the umbrella organisation of 128 Brazilian lending cooperatives, in the first half of 2010.

Working together towards a sustainable future

Source: Interim Report 2010, chapter Working together towards a sustainable future, page 40

Rabobank Group wants to make an economic, social and ecological contribution to building a sustainable society.

Main CSR themes

Source: Interim Report 2010, chapter Working together towards a sustainable future, page 41

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

Policy on value chains in lending activities

Source: Interim Report 2010, chapter Working together towards a sustainable future, page 41

During the first half of 2010 a policy was formulated for dealing with ecological, social and ethical issues affecting the value chains.

New sustainable and service-oriented products and services

Source: Report 2009, chapter Domestic retail banking, page 20

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.

Services to business start-ups: microcredit

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

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.

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.

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.

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. Some tens of thousands of more senior citizens were educated about the Internet and online banking. Education programmes were
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