Business segments
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Consoli
Wholesale
dation
Domestic
banking and
effects/
retail
international
Asset
Real
Other
hedge
in millions of euros
banking
retail banking
management
Leasing
estate
segments
accounting
Total
For the year ended 31 December 2012
Interest
5,180
2,775
55
952
312
(177)
9,097
Fees and commission
1,344
618
203
63
35
(14)
(43)
2,206
Other income
765
612
22
442
104
(372)
576
2,149
Total income
7,289
4,005
280
1,457
451
(563)
533
13,452
Segment expense
4,360
2,416
252
796
301
201
505
8,831
Value adjustments
1,329
621
(2)
147
237
18
2,350
Bank tax
91
60
2
9
8
26
196
Operating profit before taxation
1,509
908
28
505
(95)
(808)
28
2,075
Taxation
205
204
9
138
12
(415)
7
160
Net profit from continuing operations
1,304
704
19
367
(107)
(393)
21
1,915
Net profit from discontinued operations
197
197
Net profit
1,304
704
216
367
(107)
(393)
21
2,112
Business unit assets
386,039
529,778
11,369
32,737
27,920
83,721
(322,803)
748,761
Investments in associates
12
576
29
86
2,946
3,649
Total assets
386,051
530,354
11,369
32,766
28,006
86,667
(322,803)
752,410
Business unit liabilities
357,829
518,931
10,308
29,252
26,138
69,199
(303,874)
707,783
Total liabilities
357,829
518,931
10,308
29,252
26,138
69,199
(303,874)
707,783
Additions to property and equipment
181
60
2
1,650
1
98
1,992
Depreciation of tangible assets and amortisation
of intangible assets
150
121
(2)
48
19
191
527
Impairment of tangible and intangible assets
9
15
24
Goodwill
737
464
322
1,523
For the year ended 31 December 2011
Interest
5,218
2,957
108
778
282
(169)
9,174
Fees and commission
1,357
586
359
76
41
(29)
(29)
2,361
Other income
366
207
5
465
207
520
(599)
1,171
Total income
6,941
3,750
472
1,319
530
322
(628)
12,706
Segment expense
3,986
2,072
550
774
344
(25)
551
8,252
Value adjustments
648
686
(1)
144
129
1,606
Operating profit before taxation
2,307
992
(77)
401
57
347
(1,179)
2,848
Taxation
454
211
(5)
97
17
(123)
(296)
355
Net profit from continuing operations
1,853
781
(72)
304
40
470
(883)
2,493
Net profit from discontinued operations
134
134
Net profit
1,853
781
62
304
40
470
(883)
2,627
Business unit assets
372,934
514,040
25,304
31,799
27,252
84,115
(327,119)
728,325
Investments in associates
17
515
1
30
77
2,700
3,340
Total assets
372,951
514,555
25,305
31,829
27,329
86,815
(327,119)
731,665
Business unit liabilities
347,784
503,106
22,814
28,635
25,365
67,944
(308,984)
686,664
Total liabilities
347,784
503,106
22,814
28,635
25,365
67,944
(308,984)
686,664
Additions to property and equipment
177
56
2
1,441
5
87
1,768
Depreciation of tangible assets and amortisation
of intangible assets
119
108
76
51
20
166
540
Impairment of tangible and intangible assets
1
100
17
8
126
Goodwill
1
744
376
460
322
1,903
112 Annual Report 2012 Rabobank Group
