Key figures1
2006
2005
2004
2004
2003
2002
Volume of services (in EUR millions)
Total assets
556,455
506,573
483,574
475,089
403,305
374,720
Private sector lending
324,110
278,095
248,958
252,996
235,425
212,323
Due to customers
215,899
186,427
177,482
192,123
172,571
171,632
Assets managed and held in custody
286,400
224,200
223,400
195,000
184,000
168,000
Financial position and solvency (in EUR millions)
Equity
29,377
26,349
23,004
18,143
15,233
14,261
Tier I capital
26,391
24,860
21,404
22,621
19,660
17,202
Qualifying capital
27,114
25,272
21,205
22,586
19,892
17,414
Risk-weighted assets
247,458
213,901
196,052
198,552
182,820
165,843
Solvency requirement
19,797
17,112
15,684
15,887
14,626
13,268
Tier I ratio
10.7
11.6
10.9
11.4
10.8
10.3
BIS ratio
11.0
11.8
10.8
11.4
10.9
10.5
Profit and loss account (in EUR millions)
Total income
10,049
9,363
9,222
10,055
9,018
8,518
Operating expenses
6,887
6,242
6,177
6,732
6,243
5,839
Value adjustments
450
517
479
514
427
752
Addition to the fund for general banking risks
0
0
0
Operating profit before taxation
2,712
2,604
2,566
2,809
2,348
1,927
Net profit
2,345
2,083
1,793
1,536
1,370
1,222
Ratios
Return on equity 3
9.4%
9.7%
9.1%
10.1%
9.6%
9.9%
Efficiency ratio
68.5%
66.7%
67.0%
67.0%
69.2%
68.5%
Nearby
Local Rabobanks
188
248
288
288
328
349
Offices:
- branches
1,214
1,249
1,299
1,299
1,378
1,516
- contact points
3,091
3,031
2,965
2,965
2,800
2,697
Cash dispensing machines
3,139
3,116
3,062
3,062
2,981
2,979
Foreign offices
330
267
244
244
222
169
Employees
- total number
56,209
50,988
56,324
56,324
57,055
58,096
- full-time equivalents
50,573
45,580
50,216
50,216
50,849
51,867
Employee satisfaction
87%
81%
85%
85%
85%
84%
Client data
Members (x 1,000)
1,641
1,551
1,456
1,456
1,360
1,108
Membership/customer ratio
18.4%
17.7%
16.7%
16.7%
16.0%
13.2%
Rating
Standard Poor's
AAA
AAA
AAA
AAA
AAA
AAA
Moody's Investor Service
Aaa
Aaa
Aaa
Aaa
Aaa
Aaa
Dominion Bond Rating Service
AAA
AAA
AAA
AAA
AAA
AAA
SAM rating (corporate social responsibility) 4
80%
74%
