Insurance The local Rabobanks offer specific insurance solutions for private individuals, business owners in their private capacity, farmers, SMEs and large enter prises. Proper advice on risk and appropriate insurance solutions can help businesses continue as going concerns and make life easier for retail clients. Interpolis is our preferred supplier. The local Rabobanks' productive alliance with Interpolis contributed to the increase in the number of Alles in één Polis insurance policies and ZorgActief health insurance policies that were sold. The Interpolis ZekerVanJeZaak insurance policy, which is specifically designed for small businesses, proved to be a success. Insurance commis sion earned by the local Rabobanks amounted to EUR 353 million in 2009 compared to EUR 354 million in 2008. Sales of non-life insurance policies rose, while commissions from life insurance policies fell by EUR 9 million. Insurance strategy www.rabobank.nl,www.interpolis.nl,www.eureko.com Higher commission income from non-life insurance Number of Alles in één Polis insurance policies up 2% to 1,317,000 Number of ZorgActief health insurance policies up 4% to 155,000 Number of Bedrijven Compact Polis insurance policies down 2% to 191,000 Number of ZekerVanJeZaak insurance policies up 13,000 to 15,000 Insurance commission earned by local Rabobanks stable at EUR 353 million Breakdown of insurance commission in 2009 Life 9% Non-life 91% Rabobank Group strategy Contribution to group strategy All-finance market leader in the Netherlands - Strengthening our leading position in the market by means of an integrated approach and by offering non-life insurance, health insurance and life insurance policies from Interpolis through local Rabobanks International food and agri bank - Maintaining our leading position in the insurance market for the Dutch food and agri sector through Interpolis, the market leader Providing integrated insurance solutions in the Netherlands is an important element in Rabobank Group's all-finance strategy.That ambition is underpinned by its 39% interest in the Eureko insurance company. In the Netherlands, Eureko has leading positions in all insurance market segments. The strategy for the virtually saturated Dutch market is to achieve growth by offering new and innovative, demand-driven products and services. Eureko operates several distribution channels and labels, with Interpolis as Rabobank's preferred supplier. Rabobank 47 Insurance

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Annual Reports Rabobank | 2009 | | pagina 48