Athlon was also recognised in the form of awards: its FlexDrive solution took first place in 2014
in the well-known International Fleet Industry Award from Fleet Europe, a leading online forum
for international leaders in the business vehicle fleet industry.
The Netherlands
Leasing and factoring
Besides vendor finance, DLL also offers flexible lease products to customers of the local
Rabobanks and other Rabobank divisions in the Netherlands as part of the financial services
provided by Rabobank. DLL moreover offers leasing activities straight to the market through the
online portal Leaseloket.This is mainly used by customers in the SME sector.
Factoring is another product in the Dutch product portfolio, enabling customers to release
additional working capital from their debtor portfolios.
Consumer finance
In addition to financial solutions for the business market, DLL also offers consumer finance in
the Netherlands. In the consumer finance market, it operates through the brands of Rabobank,
Freo and Athlon Auto Financiering. The consumer finance unit of DLL supports Rabobank
centrally and locally in the offering of consumer credit.
Freo is the online provider of consumer credit and stands for diligent, beneficial and fair
lending. The number of contracts managed by Freo increased further in 2014. The total
consumer credit portfolio (Rabobank consumer credit and Freo) stands at EUR 1.4 (1.4) billion.
Social impact
Employee volunteering and impact investment
In addition to donations in excess of EUR 500,000, nearly 25% of DLL's employees around the
world invested their time and expertise in social good causes in order to contribute to
improving the educational and living conditions of many people. The activities are related to
DLL's industry focus and are embedded in its FIR educational programme. In the Netherlands,
DLL organised the Samen040 initiative in collaboration with the Municipality of Eindhoven and
six other leading businesses looking for strategic cooperation in relation to social issues.
Microleasing
In cooperation with the Rabobank Foundation, DLL provided technical support to five micro
finance institutions for the development of microleasing in Rwanda. Materials and learnings
are now included in good training materials, which makes up-scaling possible. An expansion
strategy is being developed to achieve a greater effect in emerging markets which includes a
potential vendor and investment model. With microleasing, DLL enables many small and micro
entrepeneurs to improve their business performance.
More food and agri in the lease portfolio
Partly due to currency effects, the lease portfolio of DLL increased 9% to EUR 33.0 (30.2) billion.
The private sector loan portfolio of DLL - the lease portfolio excluding operational leasing -
amounted to EUR 27.5 (24.7) billion. In line with the strategy, DLL focused on further expansion
of the proportion offood and agri in the lease portfolio. This focus can be seen in the growth of
this portfolio to EUR 10.6 (9.1) billion and food and agri now accounts for 32% (30%) of the total
lease portfolio. The Dutch lease portfolio amounts to EUR 6.1 (6.1) billion, or 19% (20%) of the
total lease portfolio.
Rock-solid bank: performance
