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Rabobank Annual Reports 2009

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Sort by: Report 2009 Financial statements

Chairman’s foreword

Source: Report 2009, chapter Chairman's foreword, page 6

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.

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Financial developments

Source: Report 2009, chapter Financial developments, page 11

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%.

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Increase at local Rabobanks results in growth in lending

Source: Report 2009, chapter Financial developments, page 12

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.

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Drop at Rabobank International causes amounts due to customers to contract

Source: Report 2009, chapter Financial developments, page 13

In 2009 the local Rabobanks attracted more client deposits from retail and corporate clients.

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Increase in savings deposits at local Rabobanks in particular

Source: Report 2009, chapter Financial developments, page 13

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.

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Equity up thanks to retained earnings and issues

Source: Report 2009, chapter Financial developments, page 13

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.

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External capital requirement

Source: Report 2009, chapter Financial developments, page 14

Rabobank Group's external capital requirement amounted to EUR 18.7 (19.0) billion at year-end 2009.

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Economic capital as an internal capital requirement

Source: Report 2009, chapter Financial developments, page 14

Besides its external capital requirement, Rabobank Group uses an internal capital requirement based on its economic capital framework.

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Domestic retail banking

Source: Report 2009, chapter Domestic retail banking, page 17

Low growth in lending and increase in bad debt costs due to economic situation.

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Growth in lending levelling off at local Rabobanks

Source: Report 2009, chapter Domestic retail banking, page 22

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.

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Consolidated statement of financial position

Consolidated statement of financial position In millions of euros Note At 31 December
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