10 1 Financial results of Rabobank Group Contents Management report Corporate governance Consolidated financial statements Financial statements Pillar 3 Capital requirements at year-end 2015, in billions of euros 60 50 40 30 20 Regulatory Economic Qualifying capital capital capital I Other risks Operational and business risk I Interest rate and market risk Credit and transfer risk Qualifying capital The available qualifying capital of EUR 49.5 (45.1) billion that the bank retains to compensate potential losses was well above the level of the total external and internal capital requirements. This sizeable buffer underlines the financial solidity of Rabobank Group. Results in millions of euros Net interest income Net fee and commission income Other income Total income Staff expenses Other administrative expenses Depreciation Operating expenses Gross result Impairment losses on goodwill Loan impairment charges Resolution levy Contribution to resolution fund Bank tax and levy Operating profit before taxation Taxation Net profit 2015 9,139 1,892 1,983 13,014 4,786 2,916 443 8,145 4,869 623 1,033 172 172 2,869 655 2,214 2014 9,118 1,879 1,892 12,889 5,086 2,532 437 8,055 4,834 32 2,633 321 167 1,681 (161) 1,842 Movement 1% 1% 1% 1% 71% 20% Loan impairment charges (in basis points) Ratios Cost/income ratio exclusive regulatory levies Cost/income ratio inclusive regulatory levies Return on tier 1 capital RAROC 62.6% 65.2% 6.5% 62.5 66.5 5.1 7.6 Balance sheet (in billions of euros) Total assets Private sector loan portfolio Due to customers 31-12-2015 31-12-2014 670.4 681.1 426.2 429.7 337.6 326.3 Capital requirements (in billions of euros) Regulatory capital Economic capital Qualifying capital 17.0 26.7 49.5 16.9 23.4 45.1 1% 14% 10% Capital ratios Total capital ratio Tier 1 ratio Common equity tier 1 ratio Common equity tier 1 ratio local Rabobank Group 23.2% 16.4% 13.5% 16.0% 21.3% 16.0% 13.6% 16.2% Total assets Rabobank Nederland Net profit Rabobank Nederland 483,969 908 498,469 1,352 Number of internal employees (in FTEs) Number of external employees (in FTEs) 45,658 6,201 48,254 5,658 23 Performance

Rabobank Bronnenarchief

Annual Reports Rabobank | 2015 | | pagina 24