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