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Rabobank Annual Reports 2009

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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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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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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 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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Financial results Rabobank Group

Source: Report 2009, chapter Financial developments, page 15

Overview financial results Rabobank Group. Income up 2%. Operating expenses down 4%. Bad debt costs at 48 basis points. Net profit at EUR 2,288 million. RAROC of 10.3%.

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Rabobank Group organisation chart

The local Rabobanks and their members make up the core of the banking business. They are the cooperative’s key stakeholders. Being the central (legal) entity, Rabobank Nederland supports the local Rabobanks in the Netherlands, for instance by helping them develop new products and market their services. Rabobank Nederland
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