-4-4- r - f Rabobank materiality analysis Economic Environmental Social H++ H+ H ©0 V Impact on stakeholders L++ L+ L L L+ L++ M M+ M++ Impacton Rabobank H H+ H++ 1 Part of GRI-G4 Financial Services Sector Supplement. 2 Part of GRI-G4 General Standard Disclosures. Nr. Issue Applicable GRI aspects Page Stakeholders Employees Members NGO's Clients Government and regulators Peers 1 Rebuilding Trust Economic Performance 19,34,42 2 Client Focus Economic Performance 19,25 3 Culture and Conduct Compliance (Product responsibility), Compliance (Society), Product and Service Labeling' 34,120 4 Virtualisation of Services Economic Performance 22,55,58,120 5 Sustainable Agriculture and Food Security Indirect Economic Impacts 12,27,64,122 6 Remuneration Governance2 112 7 Privacy and Information Security Customer Privacy 22,44,86 8 Human Capital and Talent Management Employment 33 9 Client ESG Opportunities and Risks Active Ownership', Product Portfolio' 30,110 10 Financial Strength Economic Performance 40 11 Availability Online Services Product and Service Labeling' 21 12 Employee Sustainability Engagement Training and Education 33 13 Stimulating Sustainable Investments Active Ownership', Product Portfolio' 29,30,110 14 Transparency N/A 1 15 Stakeholder Engagement Stakeholder Engagement 13,110, 111, 126,131 16 Strengthening Vital Communities Local Communities' 27,105 17 Promoting Diversity and Equality Diversity and Equal Opportunity, Equal Remuneration for Women and Men 35,36,127 18 Promoting Circulair Economy Active Ownership' 29,71 19 Direct Environmental footprint Emissions, Energy 31 17 Strategy

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Annual Reports Rabobank | 2014 | | pagina 18