Loan portfolio TIS by industry
Loan portfolio food and agri by industry
49% of the private sector loan portfolio consists of loans to private individuals, 31% of loans to
trade, industry and services (TIS) and 20% of loans to the food and agri sector. Due to higher
mortgage repayments and the planned sale of Bank BGZ, the loans to private individuals
(which mainly consists of residential mortgages) fell slightly to EUR 216.4 (220.0) billion.
The volume of the TIS portfolio came to EUR 135.6 (145.6) billion; EUR 97.8 (103.6) billion of this
amount is lent in the Netherlands and EUR 37.9 (42.0) billion in other countries. As a result of
the appreciation of the euro against a number of other currencies and the derecognition of the
loan figures for Bank BGZ at group level, lending to the food and agri sector declined by 6% to
EUR 87.0 (92.4) billion. EUR 57.3 (60.0) billion of this amount is lent to the primary agricultural
sector. The food and agri loan portfolio at group level consists of EUR 32.6 (33.0) billion in loans
in the Netherlands and EUR 54.4 (59.4) billion in loans in other countries.
at year-end 2013, in c
at year-end 2013, in c
Lessors of real estate
Finance and insurance
(except banks)
Wholesale
Manufacturing
Construction
Activities related to
real estate
Transport and warehousing
Health care
Professional, scientific
and technical services
Retail non food
Other
Animal protein
Grain and oil seeds
Dairy
Fruit and vegetables
Farm inputs
Food retail and
food service
Flowers
Other
Slight fall in amounts due to customers
Amounts due to customers at Rabobank Group stood at EUR 329.4 (334.3) billion at the end of
2013. Amounts due to customers at the domestic retail banking division rose by EUR 1.2 billion
to EUR 215.7 (214.5) billion, but fell at Rabobank International by EUR 6.3 billion to EUR 111.6
(117.9) billion due to the appreciation of the euro and the planned sale of Bank BGZ.
Customer savings deposits are the largest component of amounts due to customers, and rose
by 1% at group level to EUR 151.5 (149.7) billion. 83% of these savings are held at the domestic
retail banking division, and 17% at the international retail banking division. Savings at the
domestic retail banking division remained more or less stable at EUR 125.2 (124.7) billion.
Savings at Rabobank International rose due to the successful raising of these funds through its
direct banks outside the Netherlands. Savings raised through Direct Banking activities, excluding
BGZ Optima, rose in 2013 by 23% to EUR 29.1 (23.6) billion. The negative publicity surrounding
the Libor investigations had no significant effect on amounts due to customers in 2013.
10 Annual Report 2013 Rabobank Group
