Management report Corporate governance Consolidated financial statements Financial statements
Market share food and agri
in
100
80
60
40
20
0
Number of active users of mobile
banking - private individuals (x1,000)
2,500
I~ ::1:
31-12 31-12 31-12
2013 2014 2015
Number of active users of mobile
banking - businesses (x1,000)
250
200
Ml
31-12 31-12 31-12
2013 2014 2015
Market share for savings
in
40
31-12 31-12 31-12
2013 2014 2015
31 Performance
ui
31-12 31-12 31-12
2013 2014 2015
Food and agri
Domestic retail banking loans to the food and agri sector amounted to EUR 28.2 (28.4)
billion in 2015. This sector accounts for 10% (10%) of the total loan portfolio for the
domestic retail banking business. Rabobank has had a stable market share in the
Dutch food and agri sector of around 85% for many years and is indisputably the most
important financier in this sector. Rabobank has acquired this position as a result of its
agricultural roots and years of acquired sector knowledge.
O Read more about Banking for Food in the section on Strategy and in the
Annual Review.
Participation, advice and virtualisation
The cooperative customer service of local Rabobanks is based on three pillars:
participation, advice and virtualisation. Participation in initiatives that contribute
to local social and economic development sets Rabobank apart from other banks.
Consultants already maintain contact with their customers using physical and virtual
networks, and Rabobank is investing fully in further virtualisation of its services at
a price level that is in line with the market.
Rabobank has responded to customers'desire to manage their banking business
anywhere and at any time and the demand for more forms of virtual services with the
Rabo Banking App and the Rabo Investment App. The number of customers actively
using mobile banking with Rabobank increased by approximately 225,000 in 2015 to
approximately 2,496,000, including both business and retail customers.The Annual
Review goes into more detail about the new Rabo Banking App, launched in 2015.
Amounts due to customers increased by 2%
The private savings market in the Netherlands grew by 1% to EUR 336.2 (331.7) billion
in 2015. Rabobank Group's market share was 34.8% (36.0%). Of this, 34.0% (35.1%)
came through the local Rabobanks and 0.8% (0.9%) through savings bank and
Rabobank subsidiary Roparco. Amounts due in domestic retail banking rose by 2% to
EUR 212.4 (208.9) billion. These consist mainly of private savings. Under the influence of
extra mortgage repayments, private savings fell to EUR 117.0 (119.6) billion.
Schretlen Migration
In 2015, the Private Banking services of Rabobank and Schretlen Co were merged,
and the transfer of client portfolios to the local Rabobanks was fully completed.
