Contents
Contents Management report Corporate governance Consolidated financial statements Financial statements Pillar 3
Chairman's foreword 2
Key figures 8
Profile of Rabobank 10
Strategy 12
Performance 16
Rabobank Group 16
Domestic retail banking 27
Wholesale banking and international retail banking 35
Leasing 41
Real estate 46
Corporate social responsibility report 51
Our contribution to sustainable development 52
Complete customer focus 73
Empowering employees 81
Risk management 86
Remuneration 101
Management 113
Consolidated annual results 116
Consolidated statement of financial position 116
Consolidated statement of income 117
Consolidated statement of comprehensive income 118
Consolidated statement of changes in equity 119
Consolidated statement of cash flows 120
Business segments 121
Independent auditor's report 122
Independent auditor's assurance report 123
Executive Board responsibility statement 125
Appendices to the corporate social responsibility
report 2015 126
Appendix 1 Reporting principles 126
Appendix 2 Dialogue with social welfare
organisations and clients 128
Appendix 3 Sustainability facts and figures 131
Appendix 4 Sustainable development goals 138
Appendix 5 GRI index 141
Reading guide
The Annual Report consists of the management report and the
'Corporate governance' section. The Report of the Supervisory
Board does not form part of the statutory Annual Report.
The publications on the Rabobank website which are referred
to in this Annual Report are not part of the Annual Report,
with the exception of the provisions of the Dutch Banking
Code.The texts in the Annual Review, referred to in this Annual
Report, are not part of the Annual Report either.
The financial information set out on pages page 116 through
page 121 has been copied from the 'consolidated financial
statements 2015 Rabobank Group'for which an unqualified
independent auditor's report was issued on 17 February 2016.
This report has been prepared in accordance with the G4
Guidelines of the Global Reporting Initiative in accordance with
the comprehensive option.
7 Contents