Contents Management report Corporate governance Consolidated financial statements Financial statements Pillar 3 via Rabobank's own online channel. At rabobank.nl/lease vou can log in and directly calculate the monthly payment for leasing a company car or other transportation or directly request an offer.This online service fits into a market where asset-based financing solutions play an ever-increasing role. Factoring is also part of the Dutch financing product range. Factoring is a solution for companies that temporarily or structurally need extra working capital.This can be the result of fast growth, seasonal fluctuations or the need for an additional cash flow. This option allows clients to free up extra working capital in their accounts receivable portfolio. The current market requires flexibility, and leasing and factoring meet this need, as it allows a company to keep reserves for other investments, leaving more financial room to do business. With these solutions, DLL supports Rabobank in the development of a customised financing mix for companies in every phase of life. EUR 250 million available from the European Investment Bank In 2015, DLL received EUR 250 million from the European Investment Bank (EIB). These funds are intended for companies in the SME sector and for wholesale clients who want to invest in their company. With this facility, the EIB supports the recovery of business in the Netherlands and in the rest of Europe. Companies that need a lease construction to finance their investment and that meet the criteria can profit from a discount on the interest rate. Lease portfolio by industry at year-end 2015 Q More information can be found on the website of DLL. Consumer finance In the Netherlands, DLL also offers financing for consumer use. In the consumer finance market, it operates through the brands of Rabobank, Freo and Athlon. In this market, Rabobank is working on a new product and online application process. Topics such as customer focus and rock-solid bank are the focus of this. One in five households in the Netherlands borrows funds, and together, DLL and Rabobank ensure that Rabobank customers can get what they need from the bank. As a specialised competency centre in the area of consumer credit, DLL is responsible for marketing support, credit assessment and the approval of personal loans and credit for local Rabobanks. Freo is the online provider of consumer credit and stands for diligent, beneficial and fair lending. The total consumer loan portfolio as of 31 December 2015 totalled EUR 1.4 (1.4) billion. Lease portfolio grew by 8% In part due to currency effects, the lease portfolio of DLL increased by 8% to EUR 35.7 (33.0) billion.The DLL private sector loan portfolio - the lease portfolio excluding operational leasing - amounted to EUR 29.7 (27.5) billion. For DLL the food and agri share as part of the total portfolio is important, as is the Dutch part of the lease portfolio.The food and agri share in the lease portfolio totalled EUR 11.1 (10.6) billion, which represents 31% (30%).The Dutch lease portfolio amounted to EUR 6.6 (6.1) billion, representing 19% (19%) of the total lease portfolio. Food and agri in combination with the Dutch portfolio therefore represents almost half of the activities of DLL. Food and agri Construction, transportation and industrial Office technology Financial institutions Car lease Healthcare and clean technology Consumer finance Vendor finance operations Lease portfolio by region 189 169 119 at year-end 2015 Europe America Asia/Pacific 54% 39% 43 Performance

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Annual Reports Rabobank | 2015 | | pagina 44