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Regulatory capital

Rabobank Group’s required regulatory capital stood at EUR 17.8 (17.9) billion at year-end 2012.

Economic capital

Over and above regulatory capital, Rabobank Group uses an internal capital requirement based on an economic capital framework.

Financial results of Rabobank Group

Overview of financial results of Rabobank Group (table).

Notes to financial results of Rabobank Group

Income up 6%. Operating expenses up 7%. Bad debt costs at 52 basis points. Net profit at EUR 2,112 million. RAROC down 2.8 percentage points.

Outlook for Rabobank Group

Given the economic outlook, lending is expected to show very limited growth only in 2013.

Strategic Framework for 2013-2016: cooperative, robust and ambitious

Rabobank strategy for the period up to 2016 is outlined in the new Strategic Framework. Rabobank wants to be close to its clients, be at the heart of society and focus on sustainable development.

A more distinctive identity

Rabobank puts the interests of clients first. Many clients are currently experiencing tough times. In keeping with its cooperative principles, Rabobank endeavours to help its clients through this difficult period where possible and appropriate.

Catering to the Dutch market

With regard to the Netherlands, Rabobank has the ambition of becoming the market leader. Market leadership is not an end in itself. Rather, it puts Rabobank in a strong position to offer clients appropriate products.

Rabobank International and subsidiaries

Rabobank International and its subsidiaries have a part to play in the retention of Rabobank’s leading position in the Dutch market.

People unite the bank

The social landscape and banking climate are undergoing rapid change. Rabobank employees will need to adapt to these developments since they represent the bank and can make a difference.

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