Key figures - - - - - - - - - Contents Management report Corporate governance Consolidated financial statements Financial statements Pillar 3 Key figures Amounts in millions of euros 31-12-2015 2015 31-12-2014 2014 31-12-2013 2013 31-12-2012 2012 31-12-2011 2011 Financial position and solvency Equity 41,280 38,871 38,534 42,080 45,001 Common equity tier 1 capital 28,754 28,714 28,551 29,253 28,324 Tier 1-capital 35,052 33,874 35,092 38,358 37,964 Qualifying capital 49,455 45,139 41,650 42,321 39,088 Risk-weighted assets 213,092 211,870 210,829 222,847 223,613 Profit and loss account Income 13,014 12,889 13,072 13,607 12,810 Operating expenses 8,145 8,055 9,760 9,003 8,252 Contribution to resolution fund and resolution levy 172 321 Banktaxand levy 172 167 197 196 Impairment losses on goodwill 623 32 42 (9) 104 Loan impairment charges 1,033 2,633 2,643 2,350 1,606 Taxation 655 (161) 88 158 355 Net profit 2,214 1,842 2,007 2,058 2,627 Ratios Common equity tier 1 ratio 13.5% 13.6% 13.5% 13.1% 12.7% Tier 1 ratio 16.4% 16.0% 16.6% 17.2% 17.0% Total capital ratio 23.2% 21.3% 19.8% 19.0% 17.5% Equity capital ratio 14.7% 14.4% 16.1% 15.3% 14.7% Leverage ratio 5.1% 4.9% 4.8% 4.7% Loan-to-deposit ratio 1.25 1.32 1.35 1.39 1.38 Return on tier 1 capital 6.5% 5.2% 5.2% 5.4% 7.6% Cost/income ratio excluding regulatory levies 62.6% 62.5% 74.9% 66.1% 64.9% Cost/income ratio including regulatory levies 65.2% 66.3% 76.4% 67.6% 64.9% Net profit growth 20.2% -8.2% -2.5% -21.7% -5.2% Return on assets 0.33% 0.28% 0.27% 0.28% 0.40% Ratings Standard Poor's A+ A+ AA- AA- AA Moody's Investors Service Aa2 Aa2 Aa2 Aa2 Aaa Fitch Ratings AA- AA- AA- AA AA DBRS AA AA (high) AAA AAA AAA Volume of services Total assets 670,373 681,086 669,095 750,710 731,665 Private sector loan portfolio 426,157 429,731 434,691 458,091 448,337 Due to customers 337,593 326,288 326,222 334,271 329,892 Supporting local communities Rabobank Foundation (in the Netherlands and abroad) 16.3 19.5 16.4 19.8 15.7 Cooperative dividends (local Rabobanks) 38.1 36.8 44.5 44.2 38.8 Donations Rabobank Group 6.9 8.0 8.0 4.6 5.2 Climate footprint C02 emissions attributable to business (x 1,000 tonnes C02) 182 198 208 C02 emissions per FTE (tonnes C02) 3.5 3.6 3.5 8 Rabobank Annual Report 2015

Rabobank Bronnenarchief

Annual Reports Rabobank | 2015 | | pagina 9