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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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Financial targets

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

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

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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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Focus on international food and agri

Source: Interim Report 2010, chapter Wholesale banking and international retail banking, page 20

Rabobank International sees tremendous opportunities for service provision to the food and agri sector.

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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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Rabobank Group at a glance

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

Bad debt costs increased at Rabobank Group due to the poor economic situation. The tier 1 ratio increased by 1.1 percentage point to 13.8% in 2009 due to retained earnings and the issue of hybrid capital instruments.

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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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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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Consolidated statement of financial position

Consolidated statement of financial position In millions of euros Note At 31 December
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