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Key figures

Source: Interim report 2009, chapter Key figures, page 2

Key figures 2009-I: loan portfolio, financial position, profit, market shares, employees and offices.

Rabobank Group at a glance

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

Rabobank Group is an international financial services provider operating on the basis of cooperative principles. It offers retail banking, wholesale banking, asset management, leasing, real estate and insurance services.

Domestic retail banking at a glance

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

Rabobank 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.

Wholesale and international retail banking at a glance

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

Rabobank International - the wholesale banking and international retail banking divisions - supports Rabobank Group in its ambition to become market leader in all-finance services in the Netherlands and concentrates its efforts on the food & agri sector on a global level.

Asset management and investment at a glance

Source: Interim report 2009, chapter Rabobank Group at a glance, page 5

Rabobank Group’s asset management activities are undertaken by Robeco, a globally operating asset manager, Schretlen & Co, a Dutch private bank, and Sarasin, a Swiss private bank.

Leasing at a glance

Source: Interim report 2009, chapter Rabobank Group at a glance, page 5

De Lage Landen, which is responsible for Rabobank Group’s leasing activities, offers a broad package of leasing, trading and consumer loan products on the Dutch home market.

Real estate at a glance

Source: Interim report 2009, chapter Rabobank Group at a glance, page 5

Rabo Real Estate Group is responsible for Rabobank Group’s private and corporate real estate operations. Its three core areas are development of residential and commercial real estate, financing and asset management.

Chairman’s foreword

Source: Interim report 2009, chapter Chairman’s foreword, page 6

Many western countries are still battling with recession, including the Netherlands, which is experiencing its most severe economic decline since World War II. This has created great problems for customers, which is reflected in the results of Rabobank Group.

Net profit at EUR 1.3 billion despite recession

Source: Interim report 2009, chapter Chairman’s foreword, page 6

In spite of the recession and the poor state of the global economy, Rabobank Group achieved a net profit of EUR 1.3 billion during the first half of 2009.

Growth in loan portfolio levelling off, capital position bolstered

Source: Interim report 2009, chapter Chairman’s foreword, page 6

The recession in the Netherlands has led to slower growth in the mortgage and corporate loan portfolios, as a result of which growth in overall lending at Rabobank Group has gone down.