A
Loan portfolio TIS by industry
Loan portfolio food and agri by industry
Further rise in amounts due to customers
Amounts due to customers
Amounts due to customers by group entity
at year-end 2012, in c.
Lessors of real estate
Finance and insurance
(except banks)
Wholesale
Manufacturing
Activities related to
real estate
Construction
Transportation and
wharehousing
Health care and social
assistance
Professional, scientific and
technical services
Retail non-food
Other services
at year-end 2012, in 9
Animal protein
Grain and oilseeds
Dairy
Fruit and vegetables
Farm inputs
Food retail and food
service
Flowers
Beverages
Other
The private sector loan portfolio increased by 2% on balance at group level, rising to EUR 458.1
(448.3) billion. This growth was mainly attributable to the acquisition of Friesland Bank and,
to a lesser extent, to an increase in lending at Rabobank International, De Lage Landen and
Obvion. The loan portfolios of the local Rabobanks and FGH Bank were more or less stable.
Of private sector loans, 75% were issued in the Netherlands, 11 in America, 8% in European
countries other than the Netherlands, 5% in Australia and New Zealand, and 1% elsewhere.
Of the private sector loan portfolio, 48% was made up of loans to private individuals, 32%
of loans to the trade, industry and services (TIS) sector, and 20% of loans to the food and
agribusiness sector. Loans to private individuals increased by 4%, landing at EUR 220.0 (212.3)
billion. This portfolio is primarily made up of residential mortgages. The TIS portfolio was
EUR 145.6 (147.9) billion. The focus that Rabobank International and De Lage Landen
continue to place on the food and agribusiness resulted in a 5% increase in loans to this
sector to EUR 92.4 (88.2) billion, of which EUR 60.0 (59.9) billion was issued to the primary
agricultural sector.
Rabobank Group's amounts due to customers were up 1% in 2012, rising to EUR 334.3 (329.9)
billion. Thanks, in part, to the acquisition of Friesland Bank, domestic retail banking saw its
amounts due to customers increase by EUR 13.8 billion to EUR 213.9 billion. In 2011a host of
institutional players were still parking large amounts at Rabobank as a result of the unrest in
the financial markets at the time. Now that they have partially regained their trust in the
financial system and because of a drop in rates, these institutional parties have gone back to
seeking alternative ways to grow their assets. This was a decisive factor in the EUR 3.5 billion
drop in Rabobank International's amounts due to customers to EUR 117.9 billion.
in billions of euros
350
300
200
at year-end 2012, in 9
100
2008
2009
Other amounts due to
customers
Private savings
Domestic retail banking
Wholesale banking and
international retail banking
Other
7 Financial developments
