Inhoudsopgave Bestuursverslag Corporate governance Composition of the credit portfolio Table 21 presents the geographical distribution of exposure to private sector lending and in Table 22 the private sector lending is presented by business segment. Table 21Geographical distribution of exposure to private sector lending Geographical distribution of exposure to private sector lending 31 December2015 31 December 2014 Loans and advances to customers Loans and advances to customers Total gross exposure 458,618 461,787 Less: Loans to government clients 3,353 2,135 Less: Receivables relating to securities transactions 20,151 18,295 Less: Hedge accounting 8,957 11,626 Total private sector lending 426,157 429,731 Netherlands 313,895 74 321,429 75 Other European countries 27,563 6 27,312 6 North America 42,098 10 40,198 9 Latin America 12,741 3 11,273 3 Asia 9,400 2 9,230 2 Australia 20,116 5 19,948 5 Other countries 344 0 341 0 Total private sector lending 426,157 429,731 100 Table 22: Private sector lending by business segment Private sector lending by business segment 2015 2014 Private individuals 207,867 49 210,788 49 Trade, industry and services 120,463 28 127,287 30 Food and agri 97,827 23 92,316 21 Total private sector lending 426,157 100 430,391 100 Approximately 98% of lending to private individuals is related to Dutch residential mortgages. The breakdown of private sector lending to trade, industry and services, and food and agri is disclosed in Table 23 and Table 24. Jaarrekening Rabobank Groep Jaarrekening Rabobank Table 23: Breakdown of private sector lending to trade, industry and services Breakdown of private sector lending to trade, industry and services On balance exposure In Off balance exposure In Lessors of real estate 24,042 20 34 0 Other services 21,782 18 2,370 19 Finance and insurance (except banks) 14,296 12 1,464 12 Wholesale 10,986 9 4,155 34 Activities related to real estate 5,103 4 29 0 Manufacturing 7,806 6 997 8 Transportation and warehousing 6,281 5 349 3 Construction 5,214 4 1,258 10 Healthcare social assistance 5,866 5 42 0 Professional, scientific and technical services 9,275 8 312 3 Retail (except food and beverages) 4,499 4 222 2 Utilities 3,011 2 925 8 Information and communication 888 1 7 0 Arts, entertainment and recreation 1,414 1 14 0 Total trade, industry and services 120,463 100 12,177 100 Table 24: Breakdown of private sector lending to food and agri Breakdown of private sector lending to food and agri On balance exposure In Off balance exposure ln% Grain and oilseeds 18,691 19 655 23 Animal protein 23,769 24 214 8 Dairy 14,373 15 69 2 Fruit and vegetables 10,865 11 216 8 Other food and agri 9,157 9 1,028 37 Farm inputs 7,951 8 365 13 Food retail and foodservice 3,901 4 218 8 Beverages 2,670 3 16 1 Flowers 1,711 2 4 0 Sugar 2,671 3 23 1 Miscellaneous crop farming 2,069 2 8 0 Total food and agri 97,827 100 2,815 100 343 6. Credit Risk

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Jaarverslagen Rabobank | 2015 | | pagina 344