Rabobank Group entities
Local Rabobanks
Subsidiaries
With more than 1,100 branches and nearly 3,100 cash dispensing machines, the 153 independent local
Rabobanks have the densest branch network in the Netherlands and are Holland's pre-eminent near-by
bank.The local Rabobanks are independent entities, each with their own operating area. Together, they
employ nearly 29,000 FTEs. Being near-by and committed to their clients, they excel in quick response
and decision-making. This commitment is reflected in their close ties with local clubs and institutions.
Together, the local Rabobanks serve some 7.5 million Dutch clients, both private and corporate, with a
comprehensive package of financial services. Many private individuals have current, savings and/or
investment accounts and/or mortgages with Rabobank. Traditionally, the local Rabobanks have close
ties with the agricultural sector. In addition, they finance a broad range of enterprises, from small shops
in the High Street to listed enterprises. Together, the local Rabobanks are the largest insurance broker in
the Netherlands.
www.rabobank.nl
Rabobank Nederland
Rabobank Nederland is the central organisation and serves both the local Rabobanks and the Group
entities. Rabobank Nederland comprises market support to SMEs, private individuals and private banking
clients. In addition, it performs several central staff functions for Rabobank Group. Rabobank Nederland
employs more than 6,000 FTEs.
www.rabobank.com/aboutus
Rabobank International
Rabobank International - the wholesale banking business and international retail banking business -
focuses its activities on the food agri sector.This Group entity has branches in 27 countries and
employs approximately 15,000 FTEs world-wide. Its activities are subdivided into the following regions:
Netherlands, Europe outside the Netherlands, North and South America, Australia and New Zealand,
and Asia. Across these, Rabobank International distinguishes a number of units with global operations,
i.e. Global Financial Markets, Structured Finance, Leveraged Finance, Renewable Energy Infrastructure
Finance, Direct Banking and Trade Commodity Finance.
For optimum service to their clients and markets, the various regions and the units with global operations
work closely together. The retail activities are performed under the Rabobank label, with the exception
of the Irish ACCBank, which is a wholly-owned subsidiary, and the Polish Bank BGZ, in which Rabobank
International has a 59 per cent stake. In addition, Rabobank International has interests in private equity.
www.rabobank.com
In the Netherlands, Rabobank Group operates several financial brands in various markets. These brands
are complementary and strengthen Rabobank Group as a single, coherent entity. This helps Rabobank
Group achieve the customer value and continuity it pursues.
Bizner
Bizner is an Internet bank for entrepreneurs who prefer to manage their own banking transactions online.
At Bizner, entrepreneurs can purchase, manage and change all basic financial products. Bizner employs
around 30 FTEs.
www.bizner.nl
De Lage Landen
De Lage Landen is the lease subsidiary within Rabobank Group. It offers flexible asset finance products
in order to help producers, vendors and distributors in more than 30 countries around the world market
their products. With its innovative financing programmes, De Lage Landen can distinguish itself in a
competitive market. In its Dutch home market, De Lage Landen offers a broad range of lease and trade
finance products, either directly to clients or through the local Rabobanks. Through international car
lease company Athlon Car Lease, De Lage Landen operates in eight countries in Europe. In the Dutch
market, De Lage Landen supports Rabobank Group in its pursuit of market leadership in consumer
credits, in part through the Freo label. De Lage Landen employs around 4,700 FTEs.
www.delagelanden.com
18
Rabobank Group Annual Report 2008
