Contents
Full customer focus
18
Empowering employees 32
Rock-solid bank
39
Meaningful cooperative 104
Rabobank is committed to
being a leading customer-
centric cooperative bank in
the Netherlands and a
leading food and agri bank
worldwide.
Our employees have made
Rabobank what it is today.
Rabobank aims to foster a
corporate culture of which
we can all be proud.
Ample capital and liquidity
buffers determine financial
solidity of Rabobank.
Essential for a high rating
and good access to
professional funding.
Chairman's foreword 1
Key figures 6
Profile of the Rabobank Group 8
Strategy 11
Customer focus 19
Empowering employees 33
Rock-solid bank: performance 40
Rabobank Group 40
Domestic retail banking 54
Wholesale banking and international retail banking 63
Leasing 70
Real estate 76
Rock-solid bank: risk management 81
Meaningful cooperative 105
Remuneration 112
Report of the Supervisory Board of Rabobank Nederland 119
Corporate governance 131
Dutch Banking Code 139
Management 144
Annual figures 146
Consolidated statement of financial position 146
Consolidated statement of income 148
Consolidated statement of comprehensive income 149
Consolidated statement of changes in equity 150
Consolidated statement of cash flows 151
Business segments 152
Independent auditor's report 154
Executive Board responsibility statement 155
General note for readers
The financial information set out on pages 146 through 153 is taken
from the Consolidated Financial Statements 2014 Rabobank Group'
for which an unqualified independent auditor's report was issued
on 31 March 2015.
This report has been prepared in accordance with the G4
Guidelines of the Global Reporting Initiative in accordance with the
comprehensive option. The section of the annual report dealing
with sustainability is an integral part of the annual report.
The cooperative model
forms the foundation of
Rabobank. We aim to
increase the vitality of the
communities in which we
are active.
5 Contents
