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Inhoudsopgave Bestuursverslag Corporate governance Jaarrekening Rabobank Groep Jaarrekening Rabobank
Rabobank is exposed to credit risk when it promises to grant
lending facilities. The size of such losses is less than the total of
the unused commitments, as promises to grant credit facilities
are made subject to the clients meeting certain conditions that
apply to loans. Rabobank monitors the term to expiry of credit
promises, as long-term commitments are generally associated
with a higher risk than short-term commitments.
Table 19: Residual contractual maturity breakdown at 31 December 2015
Residual contractual maturity breakdown (excluding credit related and contingent liabilities)
At 31 December 2015
Loans and
advances to
customers
Debt
securities
Derivatives
Loans and
advances to banks
Cash and balances
at central banks
Total
On demand
36,480
864
40
10,555
64,808
112,747
Less than 3 months
34,935
1,571
3,036
16,986
126
56,655
3 months to 1 year
37,948
3,344
2,870
1,878
9
46,048
1 to 5 years
89,456
18,701
11,226
1,300
120,683
More than 5 years
259,799
12,359
30,940
490
303,589
Total gross exposure
458,618
36,838
48,113
31,210
64,943
639,722
Table 20: Residual contractual maturity breakdown at 31 December 2014
Residual contractual maturity breakdown (excluding credit-related and contingent liabilities)
At 31 December 2014
Loans and
advances to
customers
Debt
securities
Derivatives
Loans and
advances to banks
Cash and balances
at central banks
Total
On demand
35,544
1,045
64
22,271
43,217
102,141
Less than 3 months
33,433
2,817
4,333
19,574
152
60,309
3 months to 1 year
38,484
3,089
3,404
2,626
40
47,643
1 to 5 years
83,696
16,369
12,086
1,207
113,358
More than 5 years
270,630
15,173
36,602
284
322,689
Total gross exposure
461,787
38,493
56,489
45,962
43,409
646,140
342 Rabobank Jaarverslag 2015
