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I I I
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Loan portfolio by sector
in billions of euros
Food and agri
TIS
Private individuals
450
350
300
250
200
150
100
50
Loan portfolio
by group entity
at year-end 2010
Domestic retail banking 66%
Wholesale banking
and international
retail banking 23%
Leasing 5%
Real estate 4%
Other 2%
2006 2007 2008 2009 2010
Of the private sector lending, 48% was made up of loans to private individuals, 34% of loans
to the trade, industry and services (TIS) sector, and 18% of loans to the food and agri sector.
Loans to private individuals increased by 5% to EUR 208.0 (200.1) billion because of growth in
the mortgage portfolio. The TIS portfolio grew by 3%, rising to EUR 147.7 (143.7) billion, which
was chiefly attributable to Rabobank International. Loans to the food and agri sector increased
by 13% to EUR 80.6 (71.5) billion, EUR 55.6 (49.7) billion of which was issued to the primary
agricultural sector. The growth showed through mostly in loans to the horticultural sector and
the meat-processing industry. Of private sector lending, 73% of loans were issued in the
Netherlands. The other loans are spread over America (12%), European countries other than
the Netherlands (9%), Australia and New Zealand (4%), and other countries (2%).
Loan portfolio TIS
by industry at year-end 2010
Lessors of real estate
Finance and insurance
(except banks)
Wholesale
Construction
Manufacturing
Transportation and
warehousing
Activities related to
real estate
Health care and social
assistance 4%
Professional, scientific
and technical services 3%
Other TIS 25%
5%
5%
Loan portfolio food and agri
by industry at year-end 2010
Dairy
Grain and oilseeds
Animal protein
Fruit and vegetables
Farm inputs
Food retail and
food service
Flowers
Beverages
Other food and agri
14%
Increase in amounts due to customers
Amounts due to customers saw a 4% increase at Rabobank Group in 2010, rising to EUR 298.8
(286.3) billion. Amounts due to customers were up by EUR 7.6 billion to EUR 192.8 billion at
domestic retail banking, by EUR 2.6 billion to EUR 88.3 billion at wholesale banking and
international retail banking, and by EUR 2.0 billion to EUR 16.7 billion at asset management.
Savings deposits accounted for 44% of amounts due to customers, making them the key
component. Of savings deposits, 86% were generated by domestic retail banking, 10% by
wholesale banking and international retail banking, and 4% by asset management. Savings
deposits generated by the direct banking activities in Belgium, Ireland, Australia and New
Zealand saw a substantial 60% increase in 2010, rising to EUR 11.6 (7.3) billion.
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Financial developments