Research by the business publication Incompany has shown that the approach pursued by Rabobank Private Banking and by the Rabobank subsidiary Schretlen Co is valued by customers; these banks were ranked 1 and 2 in the list of best private banks in the Netherlands. You can read more on this in the sustainability report. Insurance Insurances at the local Rabobank: Interpolis Rabobank Group has an interest of 29% in Achmea. Achmea is the strategic partner of choice for Rabobank in the field of insurance products. Interpolis is part of Achmea and cooperates closely with the local Rabobanks. Private insurance is offered at the local Rabobanks through the Interpolis All in one Policy.The Interpolis non-life propositions ZekerVanJeZaak (SureOfYourBusiness) and the Business Compact Policy are offered for business customers. Insurance commissions amounted to EUR 288 (312) million at the local Rabobanks in 2013. Interpolis seeks to engage in dialogue with customers on risks and prevention.Together with customers, it works on new prevention solutions. The initiative www.deoplossingvan.nl which was launched in 2013 is an example of this. Anyone who has or needs a solution for dealing with risks can use this website. The initiative was launched with a focus on the themes 'safety in and around the home'and 'travel and on holiday'. Numerous solutions have been posted since on how to deal in different ways with risks in and around the house. A specialist jury assessed the solutions and the winning idea has been introduced to the market. The platform is intended to lead to solutions that can be used to serve customers. In 2013, Rabobank and Interpolis introduced RisiGo in the business market, an application centring on the customer and his or her risks that businesses can use to decide which risks they want to eliminate by prevention, which risks they want to bear themselves and which to insure against. In the reporting year, Rabobank worked hard to advance the virtualisation of its insurance- related services. An example is the way in which businesses can view, modify, expand or terminate their ZekerVanJeZaak insurance online.This caters to customers' need to be able to use the bank's services outside regular business hours. Customers value the simplicity and transparency of the online application. Besides life and non-life insurances, Interpolis offers the health insurance Interpolis ZorgActief. The focus in this health insurance is on insuring only the necessary healthcare costs, enabling the customer to save for potential smaller healthcare costs. Interpolis Healthcare Mediation is part of this insurance. Apart from waiting list mediation, this service focuses on assisting customers with a range of different healthcare questions, for instance about alternative treatment options or obtaining a second opinion. Policyholders who have used this service have awarded it a score of 8.5. Type of Insurance Number of policies at31-Dec-2013 Numberof policies at31-Dec-2012 All in one Policy 1,324,000 1,379,000 SureOfYourBusiness and Business Compact Policies 210,000 215,000 ZorgActief 223,000 225,000 Broad range of services in the Netherlands

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Annual Reports Rabobank | 2013 | | pagina 48