Contents
Contents Foreword Management report Corporate governance Consolidated Financial Statements Company Financial Statements Pillar 3
General information
166
28
Subordinated liabilities
226
Consolidated statement of financial position
167
29 Contingent liabilities
226
Consolidated statement of income
168
30
Reserves and retained earnings
227
Consolidated statement of comprehensive income
169
31
Rabobank Certificates
228
Consolidated statement of changes in equity
170
32 Capital Securities and Trust Preferred Securities I
II to IV 228
Consolidated statement of cash flows
171
33
Other non-controlling interests
230
Notes to the consolidated financial statements
172
34
Net interest income
231
1 Corporate information
172
35
Net fee and commission income
231
2 Accounting policies
172
36
Income from investments in associates
3 Solvency and capital management
188
and joint ventures
231
4 Risk exposure on financial instruments
189
37
Gains/ (losses) on financial assets and liabilities
5 Business segments
207
at fairvalue through profit or loss
231
6 Cash and balances at central banks
213
38 Other net operating income
232
7 Loans and advances to banks
213
39
Staff costs
232
8 Financial assets held for trading
213
40 Other administrative expenses
233
9 Financial assets designated at fair value
214
41
Depreciation
233
10 Derivatives
214
42
Loan impairment charges
234
11 Loans and advances to customers
217
43
Regulatory levies
234
12 Available-for-sale financial assets
218
44
Taxes
234
13 Investments in associates and joint ventures
218
45 Transactions with related parties
234
14 Goodwill and other intangible assets
220
46
Costs of external auditor
235
15 Property and equipment
221
47
Remuneration of the Supervisory Board and
16 Investment properties
221
the Executive Board
235
17 Other assets
221
48
Main subsidiaries
237
18 Non-current assets held for sale
222
49
Transfer of financial assets and financial assets
19 Deposits from banks
222
provided as collateral
238
20 Deposits from customers
222
50
Structured entities
238
21 Debt securities in issue
222
51
Events after the reporting period
240
22 Financial liabilities held for trading
223
52
Management report on internal control over
23 Financial liabilities designated at fair value
223
financial reporting
240
24 Other liabilities
223
53
Approval of the Supervisory Board
240
25 Provisions
223
Independent auditor's report
241
26 Deferred taxes
224
Independent Auditor's Assurance Report
249
27 Employee benefits
225
165
Contents
