Key figures
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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