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