information of domestic banking since June 2013. As a result, amounts due to customers in domestic retail banking rose 1% to EUR 215.7 (214.5) billion. Amounts due to customers consist, to a large extent, of private savings; that category increased EUR 0.5 billion to EUR 125.2 (124.7) billion. Asset management Rabo Asset Management Rabo Asset Management was further implemented in 2013. Therefore local Rabobanks now offer, together with specialists from Schretlen Co, comprehensive asset advisory services to high net worth customers. Also, customers wishing to invest together with Rabobank, can now do so online (with advice) using Rabo Investment Funds Advice. This enables customers to track their investments via the internet and structure and modify their portfolio themselves. The intake interview and the periodic maintenance interviews of Rabo Investment Funds Advice will continue to take place face-to-face, while advice on structuring the portfolio and the investment advice is delivered online. Rabobank Private Banking The vision of Rabobank Private Banking 2012-2016 is entitled: 'The capacity to connect'. This centres on delivering on three customer promises: daily banking matters are handled effectively; financial calm. Rabobank assists customers in choosing and adjusting a direction, and also provides suitable solutions; the customer's socio-economic environment is supported by Rabobank. Advice based on a personal approach is central to these services. The customer has the lead for the purposes of choosing the product solution. All customers can choose the most suitable service approach, from more self-sufficiency to an exclusive form of advice and attention for the top end of the market. Rabobank is investing in virtualisation for handling customers'day-to-day banking needs. In doing so, Rabobank is aiming to give the customers insight into everything that is relevant to their financial choices. Financial calm is created by clearly mapping the customer's requirements. The underlying idea is that the added value of the bank is embodied in the interplay between the customer and the bank. This interplay can only arise by sharing knowledge, experience, ambitions and targets. Lastly, Rabobank assists its customers to invest in a socially responsible way as much as possible. The approach to socially responsible investment is based on three pillars. First, Rabobank asks parties offering actively managed investment funds to commit to the UN Principles for Responsible Investment. Additionally, Rabobank uses the UN Global Compact guidelines on corporate social responsibility as guidance in the investment process. Rabobank asks fund houses it works with to do the same. Further, Rabobank does not wish to be involved in financing businesses that manufacture or sell controversial arms.This is laid down in its Arms Industry Policy. Accordingly, Rabobank has no longer advised investors on such businesses for several years now and direct purchases of investments in these businesses are not possible. Rabobank requests parties offering actively managed investment funds to formulate an exclusion policy. Index funds may involve investments in indexes that include manufacturers of controversial arms. Rabobank offers several alternatives to those products. Over 90% of the portfolios of advised customers (Rabo Select Investments) now comprise securities investments that meet Rabo bank's criteria. Savings placed with Rabobank Groenbank total over EUR 2 billion. These funds are lent to pioneering businesses in the field of sustainability, making Rabobankthe market leader in that segment. Annual Report 2013 Rabobank Group

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Annual Reports Rabobank | 2013 | | pagina 47