1Summary analysis
13.5%
16.4%
23.2%
213.1bn I 24bps
5.1%
13.5%
13.6%
23.2%
21.3%
Contents Management report Corporate governance Consolidated financial statements Financial statements
Transitional Common Equity
Tier 1 ratio (CET1)
Transitional Tier 1 Capital Ratio
(2014: 161
Transitional Total Capital Ratio
(2014: 21.3%)
Loans impairment charges
Leverage ratio
COMMON EQUITY TIER 1
COMMENTARY
Per 1 January 2015 the CET1 -ratio decreased from 13.6% to 13.2% due the phase-in
of CRD IV. In the remainder of 2015 the CET1% increased with 0.3% mainly due to the
inclusion of net profit (after payments on capital instruments).The fully loaded CET
1-ratio was 12.0% on 31 December 2015.
TOTAL CAPITAL RATIO
COMMENTARY
TheTotal Capital-ratio increased in 2015 with 1.9% from 21.3% to 23.2%, mainly as
a consequence of issuing Tier 1 and Tier 2 capital instruments. This increase is in line
with Rabobank's ambition to further increase its loss absorbing capital.
2015
2014
2015
2014
302 Rabobank Annual Report 2015
