- - Inhoudsopgave Voorwoord Bestuursverslag Corporate governance Composition of the credit portfolio Table 20 presents the geographical distribution of exposure to private sector lending. In table 21, the private sector lending is presented by business segment. Table 20: Geographical distribution of exposure to private sector lending. Geographical distribution of exposure to private sector lending 31 December 2016 31 December 2015 Loans to customers Loans to customers Total gross exposure 452,807 465,993 Less: Loans to government clients 3,329 3,372 Less: Receivables relating to securities transactions 16,321 19,737 Less: Hedge accounting 8,606 8,957 Total private sector lending 424,551 433,927 Netherlands 304,723 72 321,782 74 Other European countries 28,895 7 27,185 6 North America 45,985 11 42,241 10 Latin America 13,680 3 12,741 3 Asia 9,624 2 9,502 2 Australia 21,315 5 20,116 5 Other countries 329 344 Total private sector lending 424,551 100 433,927 100 Table 21Private sector lending by business segment. Private sector lending by business segment 2016 2015 Private individuals 201,234 47 207,834 48 Trade, industry and services 121,336 29 127,690 29 Food agri 101,981 24 98,403 23 Total private sector lending 424,551 100 433,927 100 Approximately 97% of lending to private individuals is related to Dutch residential mortgages. The breakdown of private sector lending to trade, industry and services, and food agri is disclosed in Table 22 and Table 223. Consolidated Financial Statements Company Financial Statements Pillar 3 EDTF26 Table 22: 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 Other services 23,670 20 2,377 16 Lessors of real estate 20,670 17 39 0 Wholesale 12,747 10 6,325 44 Finance insurance (except banks) 12,291 10 1,715 12 Professional, scientific technical services 10,065 8 254 2 Manufacturing 9,180 8 902 6 Transportation warehousing 6,729 6 269 2 Healthcare social assistance 6,069 5 36 0 Activities related to real estate 5,340 4 27 0 Construction 5,014 4 1,176 8 Retail (except food beverages) 4,520 4 405 3 Utilities 2,896 2 955 7 Arts, entertainment recreation 1,164 1 16 0 Information communication 981 1 6 0 Total trade, industry and services 121,336 100 14,503 100 Table 23: Breakdown of private sector lending to food agri. Breakdown of private sector lending to food agri On balance exposure In Off balance exposure In Dairy 22,713 22 100 3 Grain oilseeds 19,540 19 755 25 Animal protein 15,728 15 187 6 Fruit vegetables 10,628 10 228 8 Farm inputs 10,061 10 350 12 Other food agri 9,245 9 1,198 40 Food retail &foodservice 4,527 4 155 5 Beverages 3,852 4 8 0 Sugar 2,811 3 15 1 Flowers 1,682 2 3 0 Miscellaneous crop farming 1,194 1 7 0 Total food agri 101,981 100 3,007 100 333 6. Credit Risk

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Jaarverslagen Rabobank | 2016 | | pagina 334