Contents
Introduction
Report of the Supervisory Board
Report of the Executive Board
Annual figures for 2002
Other information
Contents 1
Chairman's foreword 2
Executive Board and Supervisory Board - Rabobank Nederland 4
Profile and Group structure 6
Key figures 8
Mission statement 9
Main events 10
Report of the Supervisory Board 12
Strategy and policy 16
Customer value 20
Membership policy 22
Retail banking 25
Wholesale banking 29
Asset management and investment 32
Insurance 36
Leasing 39
Funding and investor relations 40
Employees 42
Sustainability and social engagement 45
Financial developments 47
Notes to the balance sheet 49
Notes to the profit and loss account 52
Risk management 56
Risk, returns and capital 58
Directors and supervisors 60
Consolidated balance sheet 62
Consolidated profit and loss account 63
Cash flow statement 64
Movements in reserves 65
Auditors' report 66
Rabobank Group International Network 67
Directors and management - Rabobank Group 68
Index 70
Colophon 72