Annual Report 2011 Chairman's foreword 2 Key figures 4 Financial developments 6 Strategy 13 Cooperative identity 16 Cooperative banking in 2011 18 Rabobank Group global presence 25 Broad range of services in the Netherlands 26 Leading food and agri bank at international level 34 High level of creditworthiness: risk management 43 Sound sustainability policy 54 Sustainability profile 54 Dialogue with society 59 Environment and operations 62 Our specialised subsidiaries 64 Asset management 64 Leasing 70 Real estate 75 Employees 81 Corporate governance 87 Dutch Banking Code 94 Management 98 Report of the Supervisory Board of Rabobank Nederland 100 Annual figures 108 Consolidated statement of financial position 108 Consolidated statement of income 110 Consolidated statement of comprehensive income 111 Consolidated statement of changes in equity 112 Consolidated statement of cash flows 113 Condensed business segments 114 Independent auditor's report 115 Executive Board Responsibility Statement 116 The financial information set out on pages 108 to 114 has been derived from the consolidated financial statements 2011 of Rabobank Group, on which an unqualified independent auditor's report was issued on 29 February 2012. 1

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Annual Reports Rabobank | 2011 | | pagina 2