Contents Management report Corporate governance Consolidated financial statements Financial statements Pillar 3
1 Figures are based on a survey by the
research agency No Ties. Every year, over
7,500 people in the Netherlands are
interviewed about the reputation of the
country's various banks.They are asked
which reputation indicators they associate
most strongly with which banks (multiple
answers are possible).This results in scores
for the banks on each of the various
reputation indicators.
conducting a number of large campaigns, such as the Housing campaign. As a result,
any negative effects on Rabobank's reputation were not immediately visible in the
annual average. The awareness of Rabobank as a cooperative remained high, at a score
of 79%. However, Rabobank's rating as a cooperative saw a gradual decline from the
significantly higher levels of 2012.
Similar figures are not available for the other countries in which Rabobank operates.
The impression is that the bank is mainly known in the specific submarkets in which
we are active, such as the food and agri community, which will be measured in
a number of countries in 2016.
Loan portfolio by sector
in billions of euros
500
Hill
31-12 31-12 31-12
2013 2014 2015
I Food and agri
TIS
Private individuals
Loan portfolio by group entity
at year-end 2015
Domestic retail banking
I Wholesale banking and
international retail banking
I Leasing
I Real estate
66%
23%
7%
4%
Bank reputation in the Netherlands1
Rabobank as a cooperative
Familiarity with Rabobank as a
cooperative
Positive valuation of Rabobank as
a cooperative
Rabobank image
Reliable
Lead on number 2
Bank preference
Rabobank preference
Lead on number 2
Annual average
2015
79%
49%
No. 1:33%
5 percentage
points
No. 1:46%
2 percentage
points
Annual average
2014
52%
No. 1:33%
5 percentage
points
No. 1:48%
4 percentage
points
Annual average Annual average
2013 2012
56%
No. 139%
12 percentage
points
No. 152%
10 percentage
points
76%
57%
No. 146%
14 percentage
points
No. 153%
10 percentage
points
Limited decline in loan portfolio
In 2015, the private sector loan portfolio at Rabobank Group decreased by
EUR 3.5 billion to EUR 426.2 (429.7) billion.The depreciation of the euro contributed
to the growth of the loan portfolios of Wholesale, Rural Retail and DLL. The loan
portfolio of the local Rabobanks decreased. This was, amongst others, due to
additional repayments on private residential mortgages, in addition to the contractual
repayments, and the low level of new loans to businesses. The distribution of the loan
portfolio was: 74% in the Netherlands, 10% in North America, 3% in Latin America,
6% in Europe (outside the Netherlands), 5% in Australia and New Zealand and 2% in
other countries.
Loan portfolio
in billions of euros
31-12-2015
31-12-2014
Total loans and advances to customers
458.6
461.7
of which: to government clients
3.3
2.1
reverse repurchase transactions and securities borrowing
20.1
18.3
interest rate hedges (hedge accounting)
9.0
11.6
Private sector loan portfolio
426.2
429.7
The loan portfolio consisted of 49% of loans to private individuals, 28% of loans
to trade, industry and services (TIS) and 23% 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 207.9 (210.8) billion.The volume oftheTIS portfolio
amounted to EUR 120.5 (126.9) billion. EUR 87.5 (90.9) billion of this amount was lent
18 Rabobank Annual Report 2015
