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Rabo Development: reaching the unbanked

Rabo Developments mission is to provide developing societies with improved access to financial services, employing cooperative principles and banking expertise.

Active role in enhancing the sustainability of food and agri value chains

Rabo Development continued its active role in enhancing the sustainability of food and agri value chains.

New investment WAAD and capital injection for Banco Terra

In the first half year of 2012, Rabo Development announced a new investment in West Africa - The West African Agricultural Development Corporation (WAAD), in association with International Finance Corporation (IFC).

Financial results of wholesale banking and international retail banking

Overview financial results of wholesale banking and international retail banking (table).

Notes to financial results of wholesale banking and international retail banking

Income up 7%. Operating expenses up 17%. Bad debt costs at 59 basis points. Regulatory capital down 8%.

Outlook for wholesale banking and international retail banking

Outlook for wholesale banking and international retail banking in 2013.

Risk management at Rabobank Group

Rabobank Group pursues a prudent risk policy aimed at maintaining a moderate risk profile.

Risk management organisation

Risk management is performed at different levels within Rabobank Group. At the highest level, the Executive Board determines the risk strategy, risk appetite, policy principles and limits under the supervision of the Supervisory Board.

Stress testing

At Rabobank, stress tests form an essential part of the risk management framework. Stress tests are used to measure the impact of extreme, yet plausible events on Rabobank.

Risk appetite

Rabobank identifies and manages the risks it incurs on an ongoing basis. This has led to a comprehensive risk management model.