Notes to the statement of financial position 1 Cash and balances at central banks 2 Short-term government papers 3 Loans and advances to banks 4 Loans and advances to customers Inhoudsopgave Voorwoord Bestuursverslag Corporate governance Consolidated Financial Statements Company Financial Statements Pillar 3 Unless otherwise stated, all amounts are in millions of euros. This item consists of legal tender, balances available on demand with foreign central banks in countries where Rabobank operates, as well as a balance with De Nederlandsche Bank (the Dutch Central Bank) as required under its minimum reserve policy. This item relates to government securities with an original term to maturity of up to two years that the central bank in the country of origin will redeem at a discount or accept as collateral. The cost and market value of short-term government papers are virtually the same. In millions of euros 2016 2015 Recognised in the trading portfolio - 19 Recognised in the investment portfolio 801 841 Total short-term government papers 801 860 This item represents loans and advances to other banks, other than in the form of interest-bearing securities. In millions of euros 2016 2015 Loans and advances to other banks 23,328 34,226 Loans and advances to group companies 24,361 74,211 Total loans and advances to banks 47,689 108,437 Of which subordinated The terms of loans and advances to banks can be broken down as follows: On demand or undated 13,240 50,971 3 months 16,961 21,239 3 months 1 year 5,930 8,354 1 year 5 years 10,714 15,554 5 years 844 12,319 Total loans and advances to banks 47,689 108,437 The fair value of collateral that Rabobank can sell or pledge is 13,015 (2015: 16,720). The fair value of collateral accepted in the form of debt securities is 18,177 (2015: 5,656). This item consists of loans and advances arising in the course of business operations, other than receivables from banks and interest-bearing securities. In millions of euros 2016 2015 Breakdown of loans and advances to customers: Public sector lending 3,099 2,915 Private sector lending 366,544 121,120 Professional securities transactions 16,536 19,783 Total lending 386,179 143,818 Totals include: Of which to group companies 61,942 66,115 Of which other mortgages 60,890 Of which home residential mortgages 170,366 Total lending 386,179 143,818 Of which recognised in the trading portfolio 1,049 1,487 Of which recognised in the investment portfolio 5 6 Lending excluding loans which form part of the trading and investment portfolios 385,125 142,325 The terms of loans and advances can be broken down as follows: On demand 28,762 18,799 3 months 43,362 38,769 3 months 1 year 27,668 15,089 1 year 5 years 68,484 42,144 >5 years 216,849 27,524 Lending excluding loans which form part of the trading and investment portfolios 385,125 142,325 The loans (excluding those to the government, reverse repos and share lending) can be classified as follows by their concentration in specific business sectors: Food &agri 17% 39% Trade, industry and services 27% 60% Private individuals 56% 1% 100% 100% 280 Rabobank Jaarverslag 2016

Rabobank Bronnenarchief

Jaarverslagen Rabobank | 2016 | | pagina 281