Rabobank held workshops in the year under review for dairy farmers and pig farmers to help them plot out a strategy. In the workshops for pig farmers, Rabobank encourages dialogue between the pig farmers and invites them to talk with the bank about sustainable pig farming that is broadly supported in society. Rabobank was actively involved in discussions about the use of antibiotics on farms. Rabobank supported the establishment of BioBRUG, a chair that studies bio production and processes in relation to the bio-based economy. Readers of Boerderij, a farming journal, named Rabobank the number one leading agribusiness in the Netherlands. Rabobank came second on sustainability. Project Fund supports renewable energy projects The Rabobank Project Fund helped promote several innovative applications of renewable energy in the food and agribusiness, including the development of a solar/wind greenhouse, energy-efficient housing for broilers, the application of hydrogen to improve combined heat and power outputs, and the application of geothermal heat in electricity production. Three projects are now up and running to harness geothermal heat for electricity production. Finally, Rabobank issued a publication on co-digestion as a source of renewable energy. Interpolis, main supplier of insurance policies to Rabobank Interpolis is Rabobank's main supplier of insurance policies. At the local Rabobanks, about 20% of retail clients have an Alles in één Polis insurance policy and 23% of corporate clients have a Bedrijven Compact Polis insurance policy. The number of Alles in één Polis insurance policies increased by 4,000 in 2010, rising to 1,321,000 (1,317,000). The percentage of clients who have taken out three or more types of cover under this policy was up also, reaching 57.0% (55.7%). There is a shift from the Bedrijven Compact Polis insurance policy to the ZekerVanJeZaak Polis insurance policy, a policy for businesses with revenues under EUR 1 million that was introduced in 2008. The number of sectors eligible for ZekerVanJeZaak insurance increased sharply in 2010; at year-end 2010, the policy was open to 98% of sectors in which our clients are active. The number of Bedrijven Compact Polis insurance policies dropped to 181,000 (191,000) in 2010, with the number of ZekerVanJeZaak Polis insurance policies growing further to reach 31,000 (15,000).The ZorgActief health insurance policy is popular among students. The number of ZorgActief health insurance policies sold was up 15% in 2010, rising to 179,000 (155,000). Interpolis introduced a new life insurance policy in 2010; this policy caters better to the needs and requirements of clients. Interpolis awarded Customer Focus Quality Mark for Insurers Interpolis was awarded the Customer Focus Quality Mark for Insurers in 2010. This is a new quality mark established by the Dutch Association of Insurers. The quality mark dictates standards for customer education, service provision, availability, customer satisfaction and quality assurance. The judges ruled that Interpolis attaches great value to customer focus in its insurance business. Interpolis received the maximum score on providing clear information about its products and about its investment and quality policies. Responsible banking at Rabobank In its retail services, Rabobank has identified four themes in relation to responsible, sustainable banking, and these continued to form the starting point for the ongoing development of services in 2010. These themes are: - transparency: offering fair, straight-forward products, and clearly communicating the costs, returns and potential risks; - accessibility for vulnerable groups: everyone should be able to handle banking matters independently; - prevention of financial problems and guidance for consumers in financial difficulties; - sustainable services: encouraging clients to be more aware of their consumption of energy and natural resources, and to use them more efficiently. These themes are an extension of Rabobank Group's strategic policy and our central themes with respect to corporate social responsibility. 28 Annual Report 2010 Rabobank Group

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Annual Reports Rabobank | 2010 | | pagina 29