Key figures
I I
I I
Loan portfolio
in billions of euros
500
400
300
2006 2007 2008 2009 2010
Amounts due to customers
in billions of euros
250
200
150
100
50
0
Amounts in millions of euros
Volume of services
Total assets
Private sector loan portfolip
Amounts due to customers
Assets under management and
held in c us tod y for clients
Financial position and solvency
Equity
Tier 1 capital
Qualifying capital
Risk weighted assets
2010
2009
2008'
2007
2006
2006 2007 2008 2009 2010
Profit and loss account
Income
Operating expenses
Value adjustments
Taxation
Met profit
652,536 607,483 612,120
436,292 415,235 408,620
298,761 286,338 304,214
40,757
34,461
35,734
219,568
37,883
32,152
32,973
233,221
570,491
368,709
270,400 230,400 183,600
276,610
231,800
33.459
30,358
30,912
238,080
.556,455
324,110
31,409
28,518
29.190
266,573
.234,917
219,300
29,377
26,391
27,114
247,458
12,716
12,434
11,652
11,022
10,049
8,196
8,038
7,611
7,663
6,887
1,234
1,959
1,189
266
450
514
229
98
397
367
2,772
2,208
2,754
2,696
2,345
Net profit
in millions of euros
2,000
2006 2007 2008 2009 2010
Return on equity
in
12
2006 2007 2008 2009 2010
Tier I ratio
in
15
12
2006 2007 2008 2009 2010
Ratios
Tier 1 ratio
BIS ratio
Equity capital-ratio
Net profit growth
Return on equity
Efficiency ratio
Nearby
Ratings
Standard Poor's
Moody's Investor Service
Fitch
DBRS
15.7%
13.8%
12.7%
10.7%
10.7%
16.3%
14.1%
13.0%
10.9%
11.0%
14.2%
12.4%
11.6%
9.5%
9.2%
26%
-20%
2%
15%
13%
8.6%
7.3%
9.7%
10.2%
9.4%
64.5%
64.6%
65.3%
69.5%
68.5%
Local Ra bo banks
141
147
153
174
188
Branches
911
1,010
1,112
1,159
1,214
ATMs
2,963
3,063
3,097
3,107
3,139
Members (x 1,000)
1,801
1,762
1,707
1,638
1,641
Client satisfaction private
individuals
Foreign places of business
Market shares
(in the Netherlands)
7.6
682
7.6
624
7,7
569
7.5
349
7.5
330
Mortgages
29%
30%
30%
28%
26%
Savings
40%
40%
41%
41%
39%
TIS
43%
41%
39%
38%
38%
Food and agri
84%
84%
84%
84%
84%
AAA
AAA
AAA
AAA
AAA
Aaa
Aaa
Aaa
Aaa
Aaa
AA+
AA+
AA+
AA+
AA+
AAA
AAA
AAA
AAA
AAA
1 Figures for 2008 and previous years have not been restated to reflect the change in accounting policies made in
2010. See the Consolidated Financial Statements, under note 2.1.1 Changes in accounting policies and presentation.
4
Annual Report 2010 Rabobank Group