Contents
Chairman's foreword 2
Key figures 6
Financial developments 8
Strategy 18
Cooperative and governance 22
Sustainability 27
Broad range of services in the Netherlands 36
Leading food and agri bank at international level 50
High level of creditworthiness: risk management 60
Our specialist subsidiaries 83
Employees 95
Dutch Banking Code 107
Corporate governance 113
Management 121
Report of the Supervisory Board of Rabobank Nederland 124
Annual figures 140
Consolidated statement of financial position 140
Consolidated statement of income 142
Consolidated statement of comprehensive income 143
Consolidated statement of changes in equity 144
Consolidated statement of cash flows 145
Business segments 146
Independent auditor's report 148
Executive Board responsibility statement 149
Glossary of terms 150
The financial information set out on pages 140 to 147 has been
derived from the 'Consolidated Financial Statements 2013
Rabobank Group'for which an unqualified independent auditor's
report was issued on 24 February 2014.
