Key figures -20% +1% - - - - +2% +4% Net profit in millions of euros Amounts in millions of euros 2012 2011 2010 2009 2008 Volume of services 2,627 2,112 2011 2012 Amounts due to customers in billions of euros 330 334 2011 2012 Total assets Private sector loan portfolio Amounts due to customers Assets under management and held in custody for clients Financial position and solvency Profit and loss account 752,410 731,665 458,091 448,337 334,271 329,892 652,536 436,292 298,761 607,483 612,120 415,235 408,620 286,338 304,214 221,200 262,300 270,400 230,400 183,600 Equity 44,627 45,001 40,757 37,883 33,459 Tier 1 capital 38,412 37,964 34,461 32,152 30,358 Core tier 1 capital 29,307 28,324 27,735 25,579 25,591 Qualifying capital 42,375 39,088 35,734 32,973 30,912 Risk-weighted assets 222,847 223,613 219,568 233,221 238,080 Income 13,452 12,706 12,716 12,434 11,652 Operating expenses 8,831 8,252 8,196 8,038 7,611 Value adjustments 2,350 1,606 1,234 1,959 1,189 Bank tax expense 196 Taxation 160 355 514 229 98 Net profit 2,112 2,627 2,772 2,208 2,754 Loan portfolio Ratios in billions of euros Total capital ratio 19.0% 17.5% 16.3% 14.1% 1 3.0% 448 458 Tier 1 ratio 17.2% 17.0% 1 5.7% 13.8% 12.7% Core tier 1 ratio 13.2% 12.7% 12.6% 11.0% 10.7% Equity capital ratio 1 5.3% 14.7% 14.2% 12.4% 11.6% Loan to deposit ratio 1.39 1.38 1.49 1.38 1.39 Return on equity 5.6% 7.6% 8.6% 7.3% 9.7% 2011 2012 Efficiency ratio 65.6% 64.9% 64.5% 64.6% 65.3% Net profit growth -19.6% -5.2% 25.5% -19.8% 2.2% Nearby Core tier 1 ratio in 13.2 Local Rabobanks 136 139 141 147 153 Branches 826 872 911 1,010 1,112 ATM's 2,886 2,949 2,963 3,063 3,097 Members (x 1,000) 1,918 1,862 1,801 1,762 1,707 Number of users of mobile banking services (x 1,000)' 1,086 410 136 12 10 Client satisfaction private individuals 7.5 7.5 7.6 7.6 7.7 Foreign places of business 759 761 682 624 569 Market shares (in the Netherlands) Mortgages 31% 32% 29% 30% 30% Savings 39% 39% 40% 40% 41% TIS 43% 42% 42% 41% 39% Food and agri 85% 83% 84% 84% 84% Ratings Standard Poor's AA- AA AAA AAA AAA Moody's Investor Service Aa2 Aaa Aaa Aaa Aaa Fitch AA AA AA+ AA+ AA+ DBRS AAA AAA AAA AAA AAA 1 Users who log on at least once every three months. 2011 2012 4 Annual Report 2012 Rabobank Group

Rabobank Bronnenarchief

Annual Reports Rabobank | 2012 | | pagina 5