4 Rabobank Group Annual Report 2005
Key figures
2000
1999
1998
1997
1996
Volume of services (in EUR millions)
Total assets
342,920
281,218
249,718
194,222
152,068
Private sector lending
179,137
161,074
129,554
117,569
99,717
Due to customers
146,705
127,527
114,826
98,307
79,854
Assets managed and held in custody
166,100
139,800
124,100
83,700
32,800
Financial position and solvency (in EUR millions)
Equity
12,458
11,217
10,381
9,708
8,791
Tier I capital
14,653
13,007
11,817
11,113
10,280
Qualifying capital
15,093
13,650
12,660
11,947
10,973
Total risk-weighted assets
142,278
129,801
114,445
107,163
96,095
Solvency requirement
11,382
10,384
9,156
8,573
7,688
Tier I ratio
10.3
10.0
10.3
10.4
10.6
BIS ratio
10.6
10.5
11.1
11.1
11.3
Profit and loss account (in EUR millions)
Total income
7,714
6,801
5,832
5,280
4,375
Total expenses
5,459
4,826
4,099
3,730
2,921
Value adjustments
369
350
340
254
381
Addition to the fund for general banking risks
52
100
0
0
0
Operating profit before taxation
1,834
1,525
1,393
1,296
1,073
Net profit
1,166
1,017
936
865
741
Ratios
Return on equity
10.4%
9.8%
9.6%
9.8%
9.3%
Efficiency ratio
70.8%
70.9%
70.3%
70.6%
66.8%
Nearby
Member banks
397
424
445
481
510
Offices:
- branches
1,727
1,795
1,797
1,823
1,854
- contact points
2,693
2,719
2,727
2,750
2,798
Cash dispensing machines
2,676
2,546
2,430
2,268
2,056
Foreign offices
142
147
150
112
87
Employees
- total number
55,098
53,147
49,465
44,667
40,275
- full-time equivalents
49,711
48,224
45,310
40,927
36,828
Employee satisfaction
82%
80%
Client data
Members (x 1,000)
550
510
515
525
585
Membership/customer ratio
6.1%
Rating
Standard Poor's
AAA
AAA
AAA
AAA
AAA
Moody's Investor Service
Aaa
Aaa
Aaa
Aaa
Aaa
SAM-rating (corporate social responsibility) 3
