74 Due to banks 76 Debt securities in issue
-
75 Due to customers
77 Other liabilities
18 Provisions
Inhoudsopgave Voorwoord Bestuursverslag Corporate governance Consolidated Financial Statements Company Financial Statements Pillar 3
This item represents amounts owed to credit institutions, other This item relates to non-subordinated bonds and other interest-
than debt securities and subordinated debt, of which: bearing securities, such as certificates of deposit.
In millions of euros
2016
2015
In millions of euros
2016
2015
Due to other banks
18,021
15,134
Tradeable debt securities
101,798
103,942
Due to group companies
3,482
26,080
Other debt securities
48,468
62,559
Due to other equity investments
97
128
150,266
166,501
Total due to banks
21,600
41,342
The terms of debt securities other than of group companies can be broken
The terms of amounts owed to other banks other than group companies are as
down as follows:
follows:
On demand or undated
153
On demand
4,545
14,797
3 months
28,651
27,566
3 months
11,095
12,880
3 months 1 year
37,211
48,379
3 months 1 year
2,012
1,805
1 year 5 years
53,102
55,393
1 year 5 years
3,269
8,235
5 years
31,112
35,010
5 years
679
3,625
150,266
166,501
Total due to banks 21,600 41,342
This item consists of amounts due to customers otherthan debt
securities. Due to customers also includes the investments of
central banks amounting to EUR 23 billion (2015: EUR 23 billion).
In millions of euros
2016
2015
Due to other customers
316,045
112,001
Due to group companies
9,438
8,186
Due to other equity investments
7,071
1,176
Total due to customers
332,554
121,363
Savings comprise all deposits and savings accounts of natural
persons, non-profit making associations and foundations, as
well as non-transferable savings bonds.
The terms of amounts due to customers other than to group
companies are as follows:
In millions of euros
2016
2015
On demand or undated
247,234
57,431
3 months
39,579
42,679
3 months 1 year
9,776
7,160
1 year 5 years
10,949
1,735
5 years
25,016
12,358
Total due to customers
332,554
121,363
This item includes liabilities that cannot be classified under
any other heading, such as short positions for securities and
liabilities associated with securitised receivables. Other liabilities
also includes liabilities for staff costs, taxes and national
insurance contributions. At year-end 2016, approximately
EUR 55 billion in Rabobank mortgages were securitised.
In millions of euros 2016 2015
This item can be broken down as follows:
Liabilities associated with securitised receivables 55,362 54,817
Current tax liabilities 13 187
Other liabilities 3,674 2,916
Total other debt 59,049 57,920
In millions of euros 2016 2015
Provision for pensions and other post-retirement
allowances 152 223
Provision for deferred tax liabilities 2
Other provisions 1,327 276
Total provisions 1,481 499
Pension provision
The provision for pensions and other allowances following
termination of employment consists of a provision for pensions
41 (2015: 26) and other employee benefits 111 (2015:197).
284 Rabobank Jaarverslag 2016