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Annual Report

Financial Statements 2012

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Sustainability

Sustainable banking is the standard in the policy pursued by Rabobank. A focus on the long term and on sustainable economic development, which strikes a balance between prosperity and well-being, is appropriate for this.

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Financial frameworks

Adequate capital and liquidity buffers are the determinants of financial robustness. They are therefore prerequisites and are vital for retaining a high credit rating and good access to professional funding.

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Mission, ambition and core values

Based on its identity, Rabobank sees cooperative banking and sustainability as being intertwined.

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Cooperative banking

Rabobank’s cooperative structure and local ties have set it apart for over 110 years.

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Rabobank Group organisation chart

Situation at 31 December 2012.

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2012: United Nations International Year of Cooperatives

The United Nations declared 2012 the International Year of Cooperatives. By doing so, they stressed the importance of the cooperative as a business model for the world economy.

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Cooperative dividend

In addition to offering financial services, Rabobank is committed to investing in local communities and in creating a more sustainable society. Rabobank has put a lot of effort and money towards achieving this ambition year after year.

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Rabobank Foundation

For 40 years already, Rabobank Foundation has supported the social and economic development of underprivileged groups worldwide.

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Rabobank’s reputation still good but under threat

The reputation of the financial sector is under serious threat. Studies show that Rabobank still has a good reputation.

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No more Rabobank Professional Cycling Team

At a press conference on 19 October 2012, Rabobank announced that it had decided to withdraw from professional cycling after having sponsored a men’s team for 17 years.

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