Loan portfolio by sector
in billions of euros
500
450
31-12 31-12 31-12 31-12 31-12
2010 2011 2012 2013 2014
V
I Food and agri
TIS
Private individuals
Loan portfolio TIS by industry
at year-end 2014
V
Lessors of real estate 21%
I Finance and insurance,
except banks 11%
Wholesale 9%
I Manufacturing 8%
Professional, scientific and
technical services 7%
Activities related to real estate 5%
I Transport and warehousing 5%
Health care 5%
Construction 4%
I Retail non-food 4%
Other 21%
Loan portfolio by entity
at year-end 2014
V
Domestic retail banking 68%
I Wholesale banking and
international retail banking 22%
I Leasing 6%
I Real estate 4%
Loan portfolio food and agri
by industry
at year-end 2014
V
Animal protein 25%
Grain and oil seeds 19%
Dairy 15%
I Fruit and vegetables 11%
Farm inputs 8%
Food retail and food service 5%
Beverages 4%
Other 13%
Limited decline in loan portfolio
The private sector loan portfolio at Rabobank Group
declined by EUR 4.3 billion in 2014, to EUR 430.4 (434.7)
billion. The loan portfolios of Wholesale, Rural Retail
and DLL showed an increase.The loan portfolio of
FGH Bank declined slightly and the portfolios of the
local Rabobanks declined, partly due to additional
mortgage repayments. The distribution of the loan
portfolio is: 75% in the Netherlands, 9% in North
America, 3% in Latin America, 6% in Europe (outside
the Netherlands), 5% in Australia and New Zealand
and 2% in other countries.
The loan portfolio consisted of49%ofloansto
private individuals, 30% of loans to trade, industry and
services (TIS) and 21 of loans to the food and agri
sector. Higher repayments on private residential
mortgages contributed to a decline in loans to
private individuals to EUR 210.8 (216.4) billion.
The volume of the TIS portfolio amounted to
EUR 127.3 (131.3) billion. EUR 91.6 (97.8) billion of this
amount was lent in the Netherlands, and
EUR 35.7 (33.5) billion in other countries. Lending to
the food and agri sector increased by 6% to
EUR 92.3 (87.0) billion. EUR 60.2 (57.3) billion of this
amount was lent to the primary agricultural sector.
The food and agri portfolio at Group level consisted
of EUR 31.6 (32.6) billion in loans in the Netherlands
and EUR 60.7 (54.4) billion in loans in other countries.
Amounts due to customers virtually stable
Amounts due to customers at Rabobank Group stood
at EUR 326.5 (326.2) billion. Amounts due to customers
at domestic retail banking declined by EUR 6.6 billion
to EUR 209.1 (215.7) billion. At wholesale banking
and international retail banking, amounts due to
customers rose by EUR 7.3 billion to EUR 115.8 (108.5)
billion. Private savings are the largest component of
amounts due to customers, and declined by 6% at
Group level to EUR 142.6 (151.5) billion.
43 Rock-solid bank: performance
