- - - - - - - - - - - - - - - - - - - - - Contents Foreword Management report Corporate governance Consolidated Financial Statements Company Financial Statements Pillar 3 Key Figures 2016 2015 2014 2013 2012 Retail customers Net Promotor Score (NPS Recommendation) 41 33 17 12 Customer Effort Score (CES Day-to-day banking) 67 64 68 66 Customer Advocacy Score (CAS Recommendation) 79% 76% 61% 59% Satisfaction with day-to-day banking 8.2 7.9 7.8 7.7 Private Banking customers Net Promotor Score (NPS Recommendation) 46 37 29 20 Customer Effort Score (CES Day-to-day banking) 70 64 68 66 Customer Advocacy Score (CAS Recommendation) 84% 81% 70% 64% Satisfaction with day-to-day banking 8.1 7.8 7.8 7.7 Corporate customers Net Promotor Score (NPS Recommendation) 36 21 10 1 Customer Effort Score (CES Day-to-day banking) 55 43 52 43 Customer Advocacy Score (CAS Recommendation) 71% 62% 53% 48% Satisfaction with day-to-day banking 8.4 7.3 7.1 6.9 Nearby Members (x 1,000) 1,927 1,945 1,959 1,947 1,918 Number of users of mobile banking devices (x 1,000)1 3,079 2,469 2,271 1,784 1,086 Availability of internet payments savings2 99.7% 99.8% 98.9% Availability of mobile banking2 99.7% 99.8% 99.0% Foreign places of business 382 403 440 769 759 Branches 475 506 547 656 826 Market shares (in the Netherlands) Mortgages 21% 20% 22% 26% 31% Savings 34% 35% 36% 38% 39% Trade, Industry and Services (TIS) 41% 42% 39% 44% 43% Food agri 84% 84% 85% 85% 85% Sustainable financing corporate customers (amounts in millions of euros) Total sustainable financing 18,791 19,240 19,501 18,916 6,537 Sustainable financing 14,039 15,044 14,868 14,941 4,611 Access to finance 1,643 1,573 1,659 1,820 1,926 Community services 3,110 2,623 2,973 2,155 Sustainable Housing private customers (amounts in millions of euros) Sustainable mortgages 32,128 Energy Label A in Rabobank portfolio 16% - - - - Sustainable assets under management and assets in custody and sustainable funding (amounts in millions of euros) Total sustainable assets under management and assets in custody 6,320 4,965 4,465 4,609 3,751 Sustainable assets under management and held in custody for clients 3,835 2,843 2,101 1,739 963 Sustainable funding 2,485 2,122 2,364 2,870 2,788 Personnel data (amounts in millions of euros) Number of employees (internal in FTEs) 40,029 45,658 48,254 56,870 59,628 Number of employees (external in FTEs) 5,538 6,355 5,658 6,034 6,081 Number of employees (total in FTEs) 45,567 52,013 53,912 62,904 65,709 Staff costs 4,521 4,786 5,086 5,322 5,325 Staff vitality score 66% 64% 63% 67% 65% Absenteeism 3.6% 3.7% 3.7% 3.5% 3.6% Females employed 51.7% 51.8% 53.3% 53.5% 53.6% Females in senior positions scales 8) 25.8% 28.6% 28.5% 27.6% 27.4% Training expenses 78 79 77 91 89 Training expenses in EUR per FTE 1,945 1,734 1,604 1,603 1,530 1 Users who log on at least once every three months. 2 Average availability measured over 12 months. Key figures

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Annual Reports Rabobank | 2016 | | pagina 14