Amounts due to customers Amounts due to customers by group entity O: Funding at year-end 2013, in Domestic retail banking Wholesale banking and international retail banking Other In billions of euros 31-Dec-13 31-Dec-12 Change Total amounts due to customers 329.4 334.3 -1% Customer savings deposits 151.5 149.7 1% Domestic retail banking 125.2 124.7 Wholesale banking and international retail banking 26.3 24.9 6% Other group entities 0.0 0.1 Other amounts due to customers 177.9 184.6 -4% Domestic retail banking 90.5 89.8 1% Wholesale banking and international retail banking 85.3 93.0 -8% Other group entities 2.1 1.8 17% Development of equity Rabobank Group's equity amounted to EUR 40.0 (42.1) billion at the end of 2013. As usual, the payments on (equity) capital instruments of EUR 1.1 billion were charged to equity and EUR 0.9 billion of profits were added to capital. In addition, the downward revaluation in relation to pensions amounted to EUR 0.8 billion and the amount of outstanding Rabobank Member Certificates fell by EUR 0.8 billion in 2013. Of equity, 61% consists of reserves and retained earnings, 15% of Rabobank Member Certificates, 21% of hybrid capital and 3% of other non-controlling interests. Retained earnings amounted to EUR 28.1 billion. in billions of euros 350 300 250 200 150 100 50 2009 2010 2011 2012 2013 0 11 Financial developments

Rabobank Bronnenarchief

Annual Reports Rabobank | 2013 | | pagina 12