Key figures
8 Rabobank Group Annual Report 2002
2002
2001
2000
1999
1998
Volume of services (in EUR millions)
Total assets
374,720
363,679
342,920
281,218
249,718
Private sector lending
212,323
197,262
179,137
161,074
129,554
Funds entrusted
171,632
172,174
146,705
127,527
114,826
Assets managed
153,200
177,800
159,000
139,800
124,100
Premium income, insurance
3,660
3,926
3,417
2,867
2,485
Financial position and solvency (in EUR millions)
Reserves
14,911
13,030 11
13,108
11,867
10,381
Tier I capital
17,071
15,092 11
14,653
13,007
11,817
Tier I Tier II capital
17,414
15,542 11
15,093
13,650
12,660
Total risk-weighted assets
165,843
152,812
142,278
129,801
114,445
Solvency requirement
13,268
12,225
11,382
10,384
9,156
Tier I ratio
10.3
9.9 11
10.3
10.0
10.3
BIS ratio
10.5
10.2 11
10.6
10.5
11.1
Profit and loss account (in EUR millions)
- Interest
5,391
5,082
4,585
4,499
3,781
- Commission and other income
3,173
3,352
3,175
2,307
2,051
Total income
8,564
8,434
7,760
6,806
5,832
Operating expenses
5,839
5,965
5,459
4,826
4,099
Value adjustments to receivables
500
480
360
350
340
Value adjustments to financial fixed assets
252
59
9
0
0
Addition to the fund for general banking risks
0
0
52
100
0
Operating profit before taxation
1,973
1,930
1,880
1,530
1,393
Taxation on operating profit
514
532
507
423
401
Third-party interests
209
192
179
87
56
Net profit 1,250 1,206 1,194 1,020 936
General: Due to consolida- Ratios
tion effects, the figures rela-
Return on reserves
9.6%
9.2%
10.1%
9.8%
9.6%
ting to Group entities will
Efficiency ratio
68.2%
70.7%
70.3%
70.9%
70.3%
not always correspond with
Rabobank Group totals.
Other data (numbers of)
Changes in terms of percen
Member Banks
349
369
397
424
445
tages can vary as a result of
Offices:
rounding.
- branches
1,516
1,648
1,727
1,795
1,797
- agencies
402
455
548
610
629
1)
Cash dispensing machines
2,979
2,889
2,676
2,546
2,430
The effect of the change in
Foreign offices
169
137
142
147
150
accounting policy for pen
Employees:
sions as of 1 January 2002 is
- total number
58,096
58,120
55,098
53,147
49,465
included in the computation
- full-time equivalents
51,867
52,173
49,711
48,224
45,310
of reserves and of the Tier I
Members (x 1,000)
1,108
825
550
510
515
and BIS ratios as at 31
December 2001.
