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Contents Management report Corporate governance Consolidated financial statements Financial statements Pillar 3
The table below shows the grouped assets and liabilities of Rabobank according to the period remaining between the reporting
date and the contract repayment date. These amounts correspond with the statement of financial position.
Contract repayment date
in millions of euros
On demand
Less than
3 months
3 months
to 1 year
7 -5 years
Longer than
5 years
Total
On 31 December 2015
Financial assets
Cash and balances at central banks
63,650
1,284
9
64,943
Loans and advances to banks
4,412
23,130
1,878
1,300
490
31,210
Financial assets held for trading
144
397
539
1,669
723
3,472
Financial assets designated at fair value
8
307
33
848
1,000
2,196
Derivatives
6
3,071
2,870
11,226
30,940
48,113
Loans and advances to customers
20,180
51,235
37,948
89,456
259,799
458,618
Available-for-sale financial assets
49
2,385
3,344
19,636
12,359
37,773
Deferred tax assets
2,335
55
2,390
Other assets (excluding employee benefits)
1,030
3,910
1,669
1,113
270
7,992
Total financial assets
91,814
85,719
48,290
125,248
305,636
656,707
Financial liabilities
Due to banks
2,911
9,459
2,492
3,415
761
19,038
Due to customers
244,194
46,108
12,322
12,550
22,419
337,593
Debt securities in issue
117
32,390
48,306
60,720
33,458
174,991
Derivatives and other trade liabilities
13
4,186
3,392
11,795
35,743
55,129
Other liabilities (excluding employee benefits)
1,363
4,350
1,343
590
48
7,694
Financial liabilities designated at fair value
62
542
2,380
4,464
9,543
16,991
Deferred tax liabilities
575
575
Subordinated liabilities
48
10
2,008
13,437
15,503
Total financial liabilities
249,235
96,083
70,245
95,542
115,409
627,514
Net liquidity balance
(157,421)
(11,364)
(21,955)
29,706
190,227
29,193
in millions of euros
On demand
Less than
3 months
3 months
to 1 year
7 -5 years
Longer than
5 years
Total
On 31 December 2014
Financial assets
Cash and balances at central banks
41,992
1,377
40
43,409
Loans and advances to banks
14,373
26,814
2,635
1,522
618
45,962
Financial assets held for trading
26
839
503
2,214
697
4,279
Financial assets designated at fair value
35
752
128
1,122
2,288
4,325
Derivatives
22
4,375
3,404
12,086
36,602
56,489
Loans and advances to customers
30,380
39,257
38,474
83,380
270,296
461,787
Available-for-sale financial assets
4
3,858
3,090
16,369
16,449
39,770
Deferred tax assets
747
1,754
2,501
Other assets (excluding employee benefits)
744
4,194
1,528
1,539
549
8,554
Total assets
88,323
81,466
49,802
118,232
329,253
667,076
Financial liabilities
Due to banks
2,470
8,781
1,263
4,953
599
18,066
Due to customers
235,971
45,062
9,728
14,295
21,232
326,288
Debt securities in issue
229
32,318
59,470
63,839
33,204
189,060
Derivatives and other trade liabilities
176
4,477
3,830
15,421
43,656
67,560
Other liabilities (excluding employee benefits)
1,715
4,386
713
791
57
7,662
Financial liabilities designated at fair value
40
695
1,494
5,611
11,904
19,744
Deferred tax liabilities
473
473
Subordinated liabilities
3
1,077
10,848
11,928
Total liabilities
241,074
95,719
76,501
105,987
121,500
640,781
Net liquidity balance
(152,751)
(14,253)
(26,699)
12,245
207,753
26,295
202 Rabobank Annual Report 2015
