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Rabobank Annual Reports 2009

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Sort by: Interim Report 2010 Report 2009 Financial statements

Chairman’s foreword

Source: Interim Report 2010, chapter Chairmans foreword, page 6

Although the ongoing economic recovery remains fragile, a number of sectors of the Dutch economy are showing tentative signs of improvement.

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Financial developments

Source: Interim Report 2010, chapter Financial developments, page 9

Rabobank Group’s tier 1 ratio rose to 14.9% in the first half of 2010, a 1.1 percentage point improvement. Net profit was up 26%, rising to EUR 1,661 million, and return on equity stood at 10.3%.

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Notes to the financial results Rabobank Group

Source: Interim Report 2010, chapter Financial developments, page 13

Income up 1%. Operating expenses up 1%. Bad debt costs at 27 basis points. Net profit up 26%. RAROC is 15.0% (11.8%)

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Risk management

Source: Interim Report 2010, chapter Risk management, page 37

Further improvement of the capital position and liquidity position robust as ever. Bad debt costs down 28 basis points to 27 basis points. Tier 1 ratio up 1.1 percentage points to 14.9%.

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Funding and liquidity risk

Source: Interim Report 2010, chapter Risk management, page 38

The policy at Rabobank Group is that long-term lending is financed by funds entrusted by customers and long-term funding from the professional markets.

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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 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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Risk management

Source: Report 2009, chapter Risk management, page 50

Prudent risk policy and moderate risk profile

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Impaired loans and loan loss provisions

Source: Report 2009, chapter Risk management, page 52

Once a loan has been granted, ongoing credit management takes place assessing new information, both financial and non-financial.

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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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