Annual Report 2012
Chairman's foreword 2
Key figures 4
Financial developments 6
Strategy 12
Cooperative and sustainability 15
Sound sustainability policy 21
Environment and operations 26
Treating Customers Fairly 28
Broad range of services in the Netherlands 33
Leading food and agri bank at international level 43
High level of creditworthiness: risk management 51
Our specialist subsidiaries 63
Leasing 63
Real estate 68
Asset management 74
Employees 78
Corporate governance 84
Dutch Banking Code 91
Management 96
Report of the Supervisory Board of Rabobank Nederland 98
Annual figures 106
Consolidated statement of financial position 106
Consolidated statement of income 108
Consolidated statement of comprehensive income 109
Consolidated statement of changes in equity 110
Consolidated statement of cash flows 111
Business segments 112
Independent auditor's report 113
Executive Board Responsibility Statement 114
The financial information set out on pages 106 to 112 has been derived from the consolidated financial
statements 2012 of Rabobank Group, on which an unqualified independent auditor's report was issued
on 25 February 2013.
