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Rabobank Annual Reports 2009

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Sort by: Interim Report 2010 Report 2009 Financial statements

Profile of Rabobank Group

Source: Interim Report 2010, chapter Profile of Rabobank Group, page 2

Rabobank Group is an international financial services provider operating on the basis of cooperative principles. Rabobank Group offers retail banking, wholesale banking, asset management, leasing and real estate services.

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Domestic retail banking at a glance

Source: Interim Report 2010, chapter Rabobank Group at a glance, page 4

The domestic retail banking division shows higher results than in the first half of 2010. This is caused by higher margins, more volume and efficient cost control.

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Domestic retail banking

Source: Interim Report 2010, chapter Domestic retail banking, page 15

Higher savings margin and lower costs. Loan portfolio up 1% to EUR 282.0 billion. Amounts due to customers up 4% to EUR 191.9 billion. Net profit up EUR 446 million to EUR 932 million.

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Rabobank’s market leadership

Source: Interim Report 2010, chapter Domestic retail banking, page 15

In the Netherlands, Rabobank holds a strong position in a number of sectors that it considers important. These are the mortgage and savings market for retail clients, the SME sector, and the food and agri sector.

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Rabobank 2010 Vision

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

Clients are organising their financial affairs over the Internet and the telephone to an increasing extent. The aim of the Rabobank 2010 Vision is to improve customer services while achieving cost reductions by making processes more efficient and working more effectively.

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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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Energy saving in corporate services

Source: Interim Report 2010, chapter Domestic retail banking, page 17

A number of local Rabobanks, working together with Energiecentrum MKB and Agentschap NL, launched a project to encourage corporate clients to save energy.

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Agricultural markets start to recover

Source: Interim Report 2010, chapter Domestic retail banking, page 17

The crisis has also affected the agricultural sector. Signs that the fragile economic recovery had spread to the agricultural sector were visible in the first half of 2010.

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Lower growth in domestic retail banking loan portfolio

Source: Interim Report 2010, chapter Domestic retail banking, page 17

Due to the recession and the decreased risk appetite amongst Rabobank clients, fewer loan applications were received during the first half of 2010 and growth in the loan portfolio at the domestic retail banking operations was lower compared with the same period in 2009.

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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. The 147 autonomous local Rabobanks have 1,010 branches, 3,063 cash-dispensing machines and an employee base of approximately 28,000 FTEs. They serve about 6.7 million
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