Vision and strategy in the food and agribusiness Successful new Rabobank products Money View is an independent research agency for banks, insurers and advisers. In a Money View survey of savings-linked mortgages, the RaboOpbouwHypotheek (build-up) mortgage received the highest rating for pricing and flexibility. Obvion's SpaarGerusthypotheek (safe savings) mortgage was also awarded five stars for flexibility. Consumers increasingly opt for bank savings products such as the RaboOpbouwHypotheek and SpaarGerusthypotheek mortgages to accumulate assets. 2010 saw the introduction of Rabo Stimuleringskapitaal (incentive loan), which is intended for small and medium-sized agricultural and other businesses. Under this scheme, customers who need a long-term capital injection are granted a subordinated loan. Because the loan is subordinated, it strengthens the business's capital base. No repayments are due on the loan during the first five years, which allows enterprises to apply it fully towards their business. Obvion named mortgage lender of the year Obvion was named the mortgage lender of the year at the second edition of the Dutch Insurance Awards, where it received the Golden Shield award in acknowledgement of the transparency and quality of its financial products as well as its efforts to provide clients with excellent services and the best possible quality over the years. Rabobank: a bank for the agricultural sector Rabobank has a unique connection with the agricultural sector, serving this sector as a financier, sparring partner and centre of expertise. Rabobank sees agriculture as an innovative sector with great potential for bringing about further sustainability improvements. After a number of difficult years, the sector now seems to be recovering slowly. But 2010 was still a challenging year for some segments. Many goat farmers lost their livestock, which had to be destroyed because of Q fever. Goat farmers made plans in 2010 to rebuild their businesses. Rabobank helped them by offering advice and knowledge, and keeping farmers informed about the business outlook for goat farming. The horticulture sector became an area of concern in 2008 and 2009 due to the economic crisis and the required increases in scale. Prices did recover somewhat in 2010. In addition, 2010 was the year of the public debate about expansion of intensive farming and about the ecological infrastructure to maintain and increase biodiversity in the Netherlands. Rabobank made an effort to table these types of issues in relevant networks. A report entitled 'Sustainability and security of the global food supply chain' was presented at the Duisenberg lecture 2010. This report addresses the challenge of raising the sustainability of the world's food chain. Food and agribusiness, and value chain policy at Rabobank Rabobank further fleshed out the implementation of the Food and Agribusiness Principles and value chain policy in the financing process, for instance by teaching 'Finance in Balance' workshops to persons involved in the financing process, such as account managers, risk managers and credit committees. These workshops take a practical approach to weighing commercial and socially responsible aspects in order to arrive at ethical financing decisions. Via sector promotion days, sector specialists were informed about specific ethical risks in their respective sectors. Rabobank makes investments for its clients in vision and knowledge development in the food and agribusiness. The initiatives that Rabobank undertook included a survey of the arable farming agenda of 2020, which was commissioned by the Arable Farming Marketing Board, and the publication of reports outlining the bank's vision of the outlook for arboriculture, bulb growing, glasshouse horticulture and floriculture. Rabobank organised online seminars for the glasshouse horticulture and floriculture sectors, allowing entrepreneurs in these sectors to participate from behind their computer. 27 Domestic retail banking

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Annual Reports Rabobank | 2010 | | pagina 28