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Rabobank Annual Reports 2009

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Sort by: Interim Report 2010 Report 2009 Financial statements

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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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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Rating and funding

Source: Report 2009, chapter Risk management, page 57

For many years, Rabobank has been awarded the highest possible rating by leading rating agencies such as Moody’s and Standard & Poor’s.

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External capital requirement

Rabobank Group’s external capital requirement amounted to EUR 18.7 (19.0) billion at year-end 2009. The capital requirement dropped in line with the decrease in risk-weighted assets. Of the total capital requirement, 92% relates to credit and transfer risk, 7% to operational risk and 1% to market risk. Rabobank Group
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