Organisational structure Structure in the Netherlands The 141 local Rabobanks in the Netherlands are Rabobank Group's cooperative core business. Overall, the local Rabobanks employ about 27,000 FTEs. Committed, nearby and leading in their service offering, they serve about 6.8 million retail clients and 800,000 corporate clients in the Netherlands. With 911 branches, which operate 2,963 ATMs, Rabobank forms the densest banking network in the Netherlands. The local Rabobanks seek to offer their clients the best possible services by leveraging different distribution channels, including the branch network, and online and telephone services. Rooted in the bank's cooperative structure, clients can become members of their local Rabobank. The local Rabobanks, for their part, are members and shareholders of Rabobank Nederland, the umbrella cooperative that supports their local service provision. Rabobank Nederland monitors, on behalf of the Dutch Central Bank (DNB), the business practices, outsourcing, solvency and liquidity of the local Rabobanks. It also acts as the holding company of a number of specialist subsidiaries, both in the Netherlands and abroad. Rabobank Nederland has an employee base of about 6,400 FTEs. Global structure Rabobank International is Rabobank Group's wholesale banking and international retail banking division. It serves wholesale clients in and outside the Netherlands. Outside the Netherlands, Rabobank International focuses on clients in the food and agribusiness, and - via the foreign branch network - on Dutch clients operating internationally. Boasting a network in 29 countries and about 593 business locations, Rabobank International is a well- known player in the world's key markets. Counting the foreign subsidiaries, Rabobank International has an employee base of about 15,200 FTEs. Rabo Development supports the advancement of a banking infrastructure in six developing countries by taking non- controlling interests in rural banks and offering them expertise and human capital. Rabobank Foundation helps vulnerable and underprivileged groups in and outside the Netherlands by contributing funds, human resources and knowledge. Subsidiaries and associates The subsidiaries and associates help to achieve Rabobank Group's objective of offering a comprehensive range of financial services. The group entities are specialists in their fields and seek to forge close ties in the customer's best interest. Rabobank Group Organisation chart 10 million clients 1.8 million members 141 local Rabobanks 911 branches Situation at31 December 2010 r Rabobank Nederland Executive Board - Supervisory Boarc Support of Rabobank Staff functions local Rabobanks International Rabobank Group Retail clients Food agribusiness I CSR Corporate clients Wholesale banking Rabobank Foundation Private Banking Rural retail banking Investor Relations Other support units Direct Banking Long Term Funding Rabo Development Other staff units r Subsidiaries and associates Asset management I Leasing Robeco Schretlen Co Sarasin (69%) Orbay De Lage Landen - Athlon Car Lease - Freo I Rabo Real Estate Group - Bouwfonds Property Development - MAB Development - FGH Bank - Bouwfonds REIM - Fondsenbeheer Nederland Insurance I Mortgages I Business I International I I I retail Eureko (31%) - Interpolis Obvion (70%) Rembrandt Fusies Overnames ACC Bank Bank BGZ (59%) I BancoTerra (31%) I Banco Regional (40%) I BPR (35%) I NMB (35%) I Zanaco (46%) I URCB (9%) 7 Profile of Rabobank Group

Rabobank Bronnenarchief

Annual Reports Rabobank | 2010 | | pagina 8