Amounts in billions of euros
Activities
Balance
sheet
Risk-
weighted
assets
Risk profile
Rabobank
Loan portfolio
Amounts due
to customers
303.1
215.7
Loan portfolio
Amounts due
to customers
92.1
Loan portfolio
24.7
Loan portfolio
Loan portfolio
Amounts due
to customers
0.6
Wholesale and
international banking
Domestic retail
banking
Real Estate
Leasing
Other
Risk
Credit
Operational
Market
68.2
6.7
2.7
Risk
Credit
Operational
74.0
Risk
Credit
15.0
Risk
Credit
Operational
14.6
Risk
Credit
Operational
Savings
Payment services
Lending
Mortgages
Private banking
Insurance
Wholesale banking
Trade and
commodities finance
Financial markets
Cash management
services
Rural and retail
Direct Banking
Leasing
Factoring
Vendor Finance
Consumer credit
Area development
Commercial real estate
Real estate financing
Investment
management
Fund management
Balance sheet
management
Solvency risk, interest rate risk, liquidity risk, market risk, credit risk, concentration risk, operational risk, reputation risk
Libor
Rabobank has agreed settlements with various authorities, for which it has paid a total of 774.
The payment of these substantial settlement amounts will not have an impact on Rabobank's
financial stability.
In addition, Rabobank has taken the following measures:
Rabobank has taken strict disciplinary measures against all employees who were involved in
the inadmissible behaviour and who were still working at the bank during the period of
the investigation.
The contracts of employment of employees who were involved in grave inadmissible
behaviour have been terminated. Other disciplinary measures included formal warnings,
financial sanctions and the withdrawal of management responsibilities or a combination of
those measures. Bonuses for the period 2009-2012 were reclaimed in full or in part.
Rabobank has implemented internal systems and controls in respect of the submission
procedures for interest rate benchmarks that meet the highest requirements within the
financial sector and comply with the most recent guidelines of regulators and the banking
sector. This includes the requirement that the bank's submission procedures must be subject
to regular internal and external audits.
66 Annual Report 2013 Rabobank Group
