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Rabobank Annual Reports 2009

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Sort by: Interim Report 2010 Report 2009 Financial statements

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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Financial worries relief thanks to responsible mortgage lending

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

In addition to the local Rabobanks, the mortgage lender Obvion also tries to help clients to purchase homes without getting into financial problems. This is the guiding principle for home financing throughout the term of the loan.

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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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Increase in amounts due to customers at local Rabobanks

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

Amounts due to customers at the domestic retail banking division increased to EUR 191.9 (185.2) billion during the first half of 2010, up 4% compared with year-end 2009.

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Local Rabobanks prove a stable source of funding

Source: Interim Report 2010, chapter Domestic retail banking, page 18

A key pillar of the Strategy Framework is that local Rabobanks try to finance most of the growth in lending from amounts owed to customers.

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Financial results domestic retail banking

Source: Interim Report 2010, chapter Domestic retail banking, page 18

Overview financial results domestic retail banking (table).

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Notes to the financial results domestic retail banking

Source: Interim Report 2010, chapter Domestic retail banking, page 18

Income up 7%. Operating expenses down 4%. Bad debt costs at 13 basis points. RAROC is up 12.7 percentage points to 24.5% (11.8%).

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Domestic retail banking at a glance

Source: Report 2009, chapter Rabobank Group at a glance, page 4

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.

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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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