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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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Banking in a changing environment

Source: Report 2009, chapter Banking in a changing environment, page 9

The credit crisis has left deep marks on the environment within which Rabobank carries on its banking operations.

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Changing banking landscape

Source: Report 2009, chapter Banking in a changing environment, page 9

The Dutch banking landscape has not escaped the credit crisis unscathed.

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Stricter regulation

Source: Report 2009, chapter Banking in a changing environment, page 10

The Dutch Banking Association (NVB) has encouraged self-regulation by the banking sector with the introduction of its Banking Code.

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Limited economic recovery

Source: Report 2009, chapter Banking in a changing environment, page 10

The economic circumstances in which banks operate reached a low point in 2009.

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Changing social environment

Source: Report 2009, chapter Banking in a changing environment, page 10

As far as corporate social responsibility is concerned, civil society organisations and the media are more vigilant than ever, raising questions, demanding transparency, entering into dialogues and conducting campaigns.

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Greater strategic focus

Source: Report 2009, chapter Banking in a changing environment, page 10

The opportunities for expansion open to Rabobank Group have become more restricted than ever before.

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Financial targets

Source: Report 2009, chapter Financial developments, page 11

Rabobank Group has three financial targets: a tier 1 ratio of 12.5% or more, an increase in net profit by at least 10%, and return on equity of at least 8%.

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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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Wholesale banking and international retail banking

Source: Report 2009, chapter Wholesale banking and international retail banking, page 25

Profit growth thanks to increase in income from wholesale banking. Loan portfolio down 7% to EUR 93.4 billion. Net profit up EUR 619 million to EUR 646 million.

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Chairman’s foreword

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. On a positive note, the local Rabobanks did manage to strengthen their position in the Dutch corporate and mortgage markets. They also attracted
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