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