Contents Management report
Loan portfolio TIS by industry
at year-end 2015
Lessors of real estate 20%
Finance and insurance,
except banks 12%
Wholesale 9%
Professional, scientific and
technical services 8%
Manufacturing 6%
I Transport and warehousing 5%
Healthcare 5%
Activities related to real estate 4%
Construction 4%
Retail non-food 4%
Utilities 2%
Information and communication 1%
I Art, recreation 1
Other 18%
Corporate governance Consolidated financial statements Financial statements Pillar 3
in the Netherlands, and EUR 33.0 (35.7) billion in other countries. Lending to the food
and agri sector increased by 6% to EUR 97.8 (92.0) billion. EUR 65.4 (60.2) billion of
this amount was lent to the primary agricultural sector.The food and agri portfolio
at group level consisted of EUR 35.1 (31.6) billion in loans in the Netherlands and
EUR 62.7 (60.7) billion in loans in other countries.
Increase in amounts due to customers
In 2015, amounts due to customers at Rabobank Group stood at EUR 337.6 (326.3)
billion.The amounts due to customers at domestic retail banking rose by
EUR 3.5 billion to EUR 212.4 (208.9) billion. At wholesale banking and international
retail banking, amounts due to customers rose by EUR 8.6 billion to EUR 124.4 (115.8)
billion. Private savings constitute the most important component of amounts due to
customers. At group level, additional repayments on residential mortgages resulted
in a decline in due to customers by 1% to EUR 140.5 (142.6) billion. Other due to
customers grew in wholesale banking and international rural retail banking, in
particular due to institutional customers depositing more money with Rabobank.
Amounts due to customers
in billions of euros
31-12-2015
31-12-2014
Total due to customers
337.6
326.3
Private savings
140.5
142.6
Domestic retail banking
117.0
119.9
Wholesale banking and international rural and retail banking
23.5
22.7
Other due to customers
197.1
183.7
Domestic retail banking
95.4
89.0
Wholesale banking and international rural and retail banking
100.9
93.1
Other divisions
0.8
1.6
Loan portfolio food and agri
by industry
at year-end 2015
Amounts due to customers
in billions of euros
Amounts due to customers
by group entity
at year-end 2015
Animal protein
Grain and oil seeds
Dairy
Fruit and vegetables
Farm inputs
Food retail and food service
Beverages
Sugar
Flowers
Various crops
Other
24%
19%
15%
11%
Other amounts due to customers
Private savings
Domestic retail banking
Wholesale banking and
international retail banking
63%
37%
19 Performance
