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

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Annual Reports Rabobank | 2015 | | pagina 8