Key figures Loan portfolio in billions of euros 300 100 mil 2007 2008 2009 2010 2011 Amounts due to customers in billions of euros 2007 2008 2009 2010 2011 Net profit in millions of euros 3,000 2,500 2,000 1,500 1,000 2007 2008 2009 2010 2011 Return on equity in 10 8 6 4 2 0 2007 2008 2009 2010 2011 Tier 1 ratio in 16 lllll 2007 2008 2009 2010 2011 Amounts in millions of euros 2011 2010 2009 2008 2007 Volume of services Total assets 731,665 652,536 607,483 612,120 570,491 Private sector loan portfolio 448,337 436,292 415,235 408,620 368,709 Amounts due to customers 329,892 298,761 286,338 304,214 276,610 Assets under management and held in custody for clients 263,600 270,400 230,400 183,600 231,800 Financial position and solvency Equity 45,001 40,757 37,883 33,459 31,409 Tier 1 capital 37,964 34,461 32,152 30,358 28,518 Core tier 1 capital 28,324 27,735 25,579 25,591 24,550 Qualifying capital 39,088 35,734 32,973 30,912 29,190 Risk-weighted assets 223,613 219,568 233,221 238,080 266,573 Profit and loss account Income 13,378 12,716 12,434 11,652 11,022 Operating expenses 8,720 8,196 8,038 7,611 7,663 Value adjustments 1,606 1,234 1,959 1,189 266 Taxation 425 514 229 98 397 Net profit 2,627 2,772 2,208 2,754 2,696 Ratios BIS ratio 1 7.5% 16.3% 14.1% 13.0% 10.9% Tier 1 ratio 1 7.0% 15.7% 13.8% 12.7% 10.7% Core tier 1 ratio 1 2.7% 12.6% 11.0% 10.7% 9.2% Equity capital ratio 14.7% 14.2% 12.4% 11.6% 9.5% Net profit growth -5.2% 25.5% -19.8% 2.2% 1 5.0% Return on equity 7.6% 8.6% 7.3% 9.7% 10.2% Efficiency ratio 65.2% 64.5% 64.6% 65.3% 69.5% Nearby Local Ra bo banks 139 141 147 153 174 Branches 872 911 1,010 1,112 1,159 ATMs 2,949 2,963 3,063 3,097 3,107 Members (x 1,000) 1,862 1,801 1,762 1,707 1,638 Client satisfaction private individuals 7.5 7.6 7.6 7.7 7.5 Foreign places of business 761 682 624 569 349 Market shares (in the Netherlands) Mortgages 32% 29% 30% 30% 28% Savings 39% 40% 40% 41% 41% TIS 42% 42% 41% 39% 38% Food and agri 83% 84% 84% 84% 84% Ratings Standard Poor's AA AAA AAA AAA AAA Moody's Investor Service Aaa Aaa Aaa Aaa Aaa Fitch AA AA+ AA+ AA+ AA+ DBRS AAA AAA AAA AAA AAA 4 Annual Report 2011 Rabobank Group

Rabobank Bronnenarchief

Annual Reports Rabobank | 2011 | | pagina 5