Key figures 1999 -1995
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4 Rabobank Group Annual Report 2004
Key figures
1999
1998
1997
1996
1995
Volume of services (in EUR millions)
Total assets
281,218
249,718
194,222
152,068
133,192
Private sector lending
161,074
129,554
117,569
99,717
86,115
Funds entrusted
127,527
114,826
98,307
79,854
74,139
Assets managed
139,800
124,100
83,700
32,800
26,800
Premium income, insurance
2,867
2,485
2,168
1,656
1,542
Financial position and solvency (in EUR millions)
Reserves2
11,217
10,381
9,708
8,791
7,938
Tier I capital
13,007
11,817
11,113
10,280
9,427
Qualifying capital
13,650
12,660
11,947
10,973
10,026
Total risk-weighted assets
129,801
114,445
107,163
96,095
82,976
Solvency requirement
10,384
9,156
8,573
7,688
6,638
Tier I ratio
10.0
10.3
10.4
10.6
9.5
BIS ratio
10.5
11.1
11.1
11.3
12.0
Profit and loss account (in EUR millions)
Total income 23
6,801
5,832
5,280
4,375
3,906
Operating expenses
4,826
4,099
3,730
2,921
2,583
Value adjustments to receivables
350
340
254
381
381
Value adjustments to financial fixed assets 3
0
0
0
0
0
Addition to the fund for general banking risks
100
0
0
0
0
Operating profit before taxation
1,525
1,393
1,296
1,073
942
Net profit
1,017
936
865
741
648
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Return on reserves
9.8%
9.6%
9.8%
9.3%
8.8%
Efficiency ratio
70.9%
70.3%
70.6%
66.8%
66.1%
Near-you
Member Rabobanks
424
445
481
510
547
Offices:
- branches
1,795
1,797
1,823
1,854
1,879
- contact points
2,719
2,727
2,750
2,798
2,793
Cash dispensing machines
2,546
2,430
2,268
2,056
1,873
Foreign offices
147
150
112
87
77
Employees
- total number
53,147
49,465
44,667
40,275
37,437
- full-time equivalents
48,224
45,310
40,927
36,828
34,019
Employee satisfaction 80%
Client data
Members (x 1,000)
510
515
525
585
595
Membership customer ratio
Standard Poor's
AAA
AAA
AAA
AAA
AAA
Moody's Investor Service
Aaa
Aaa
Aaa
Aaa
Aaa
SAM rating (corporate social responsibility)4