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