Key figures -2% -1% -4% Net profit in millions of euros 2,058 2,012 2012 2013 Amounts due to customers in billions of euros 334.3 329.4 2012 2013 Loan portfolio in billions of euros 458.1 439.0 2012 2013 Core tier J ratio in 13.1 13.5 Amounts in millions of euros 31-12-2013 31-12-2012 31-12-2011 31-12-2010 31-12-2009 Volume of services Total assets 674,139 750,710 731,665 652,536 607,483 Private sector loan portfolio 438,975 458,091 448,337 436,292 415,235 Amounts due to customers 329,400 334,271 329,892 298,761 286,338 Financial position and solvency Equity 40,037 42,080 45,001 40,757 37,883 Tier 1 capital 35,092 38,358 37,964 34,461 32,152 Core tier 1 capital 28,551 29,253 28,324 27,735 25,579 Qualifying capital 41,650 42,321 39,088 35,734 32,973 Risk-weighted assets 210,829 222,847 223,613 219,568 233,221 Profit and loss account Income 13,020 13,616 12,706 12,716 12,434 Operating expenses 9,765 9,003 8,252 8,196 8,038 Value adjustments 2,643 2,350 1,606 1,234 1,959 Bank tax expense 197 196 - - - Taxation 68 158 355 514 229 Net profit 2,012 2,058 2,627 2,772 2,208 Ratios Total capital ratio (BIS-ratio) 19.8% 19.0% 17.5% 16.3% 14.1% Tier 1 ratio 16.6% 17.2% 17.0% 15.7% 13.8% Core tier 1 ratio 13.5% 13.1% 12.7% 12.6% 11.0% Equitv capital ratio 16.1% 15.3% 14.7% 14.2% 12.4% Leverage ratio 4.8% 4.7% - - - Loan-to-deposit ratio 1.35 1.39 1.38 1.49 1.38 Return on equitv 5.2% 5.4% 7.6% 8.6% 7.3% Efficiency ratio 75.0% 66.1% 64.9% 64.5% 64.6% Net profit growth -2.2% -21.7% -5.2% 25.5% -19.8% Nearby Local Rabobanks 129 136 139 141 147 Branches 722 826 872 911 1,010 ATM's 2,524 2,886 2,949 2,963 3,063 Members (x 1,000) 1,947 1,918 1,862 1,801 1,762 Number of users of mobile banking services (x 1,000)* 1,784 1,086 410 136 12 Client satisfaction private individuals 7.2 7.5 7.5 7.6 7.6 Foreign places of business 769 759 761 682 624 Market shares (in the Netherlands) Mortgages 26% 31% 32% 29% 30% Savings 38% 39% 39% 40% 40% TIS 44% 43% 42% 42% 41% Food and agri 85% 85% 83% 84% 84% Ratings Standard Poor's AA- AA- AA AAA AAA Moody's Investor Service Aa2 Aa2 Aaa Aaa Aaa Fitch AA- AA AA AA+ AA+ DBRS AAA AAA AAA AAA AAA Users who log on at least once every three months. +0.4%- point 2012 2013 6 Annual Report 2013 Rabobank Group

Rabobank Bronnenarchief

Annual Reports Rabobank | 2013 | | pagina 7