Share ofTIS market
in
Trade, industry and services
Market leader in wholesale banking
At 42% (42%6), Rabobank Group's share of the trade, industry
and services (TIS) market was stable in 2011In the year under
review, Rabobank became market leader in the overall
wholesale segment in the Netherlands, as was demonstrated
in the most recent survey by TNS-NIPO, a market research
agency. Of businesses posting between EUR 10 million and
250 million in revenue operating in the wholesale market,
31 consider Rabobank as their primary bank. In addition,
businesses generating between EUR 30 million and 250 million
in revenue indicated, in June 2011, that they saw Rabobank
as the leading bank for complex financial services in the wholesale segment. After having
sought growth in the wholesale segment since 2010, these efforts have now paid off for
Rabobank. In addition to targeting new clients, we will continue to focus on our existing
clients, which is of the essence, particularly in the current economic climate.
2007 2008 2009 2010
SME loans
Many businesses seem to think that since mid-2011 banks are now unwilling to accept perfectly
sound business plans. Rabobank continues to issue loans to businesses with a healthy long-term
outlook. We offer proactive input during the lending process. If it seems that unlikely that
returns will be generated, it is in the best interest of both the bank and the customer to refuse
a loan. During a debate with business owners late in 2011 about the question of whether
SME loans were hard to come by, we spoke about how we approach SME loans and elaborated
on relevant aspects.
Closer collaboration with Qredits
Qredits, a microcredit organisation established in 2008 with Rabobank's support, focuses on
financing existing businesses and start-ups with a financing requirement that have no chance
of getting a standard bank loan. This would include entrepreneurs who need more support
than the bank can offer, for instance owing to deficient language skills. In 2011, Rabobank
intensified its collaboration with Qredits in three respects. First of all, Qredits was advertised
more to the local Rabobanks and more focus was placed on the integration of Qredits into
day-to-day operations. An increasing number of entrepreneurs can be referred to Qredits as a
result. Secondly, it was decided to increase the maximum loan from EUR 35,000 to EUR 50,000.
This measure will make it possible to help a broader group of entrepreneurs with microfinance.
Finally, preparations were started in 2011 for offering Rabobank coaches to Qredits and its
entrepreneurs. This will not only allow Rabobank to refer entrepreneurs, but also to actively
support them in becoming successful business owners. By deepening ties, Rabobank was even
better placed in 2011 to contribute to the financing of existing businesses and start-ups in
the Netherlands.
Payment transactions
Broader service range through direct channels
Rabobank wants to be able to serve its customers irrespective of time or place, whether via
mobile or land-based online solutions. Rabobank now has 410,000 customers who use mobile
banking solutions and their number continues to grow significantly. About 40% of online
banking transactions are now conducted using a smartphone.To maintain our edge in this
respect, Rabobank further developed the self-service environment in 2011We simplified
the registration process for mobile online banking and added a balance checker allowing
customers to see their bank balance without having to log in.The Rabo Banking App was
adapted for other devices, so that smartphone banking will become accessible to even more
customers. A scan feature was added to the Rabo Banking App for iPhones, allowing online
6 The percentage for 2010 has been payment of transfer slips. The fact that customers appreciate our efforts was demonstrated by
restated due to a change in definition. us winning the Banking Finance ICT Innovation Award 2011. This award is a reward for our
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Strategic Framework Broad range of services in the Netherlands
