Contents Foreword Management report Corporate governance Consolidated Financial Statements Company Financial Statements Pillar 3
Loan portfolio by region
at year-end 2016
H North America 32%
H Australia and New Zealand 19%
Europe 15%
Netherlands 14%
Latin America 12%
H Asia 8%
Loan portfolio by sector
in billions of euros
120
31-12 31-12 31-12 31-12
2013 2014 2015 2016
V
Food and agri
TIS
Private individuals
Internationally, Rabobank's services food agri clients, ranging from growers to the
industrial sector, through its global network of branches. The combination of in-depth
knowledge and a worldwide network positions us as the leading food agri bank
in the world. We service the entire food value chain, with dedicated specialists per
sector. We advise our clients and prospects in these sectors by offering them finance,
knowledge and our network. Rabobank is active in the main food-producing countries,
such as the United States, Australia, New Zealand, Brazil and Chile and main food
consumption countries. Our vision on global food security and the role of Rabobank as
described in our Banking for Food strategy can be found here.
At Rabobank Food Agribusiness Research and Advisory (FAR) we have a global
team of analysts who continuously gather knowledge about major F&A sectors,
issues and trends. This knowledge is used within the bank and shared with our
clients and stakeholders.
In addition, the wholesale banking division facilitates the international activities
of mid-corporate Dutch customers, in cooperation with the local Rabobanks.
Rabo International Business Network desks - spread over five continents - specifically
focus on this support. Our International Business Network gives clients access to
a worldwide network of potential partners and clients. For more information about the
International Business Network click here.
Besides the results of Wholesale, Rural Retail, the results of Group Treasury are
presented within the segment wholesale banking and international rural and retail
banking. Group Treasury performs a centralised treasury function and is responsible for
group-wide prudential management of liquidity risks, attracting short and long-term
funding, capital issuance and collateral management.
WRR loan portfolio grew by 1%
In 2016, WRR's total loan portfolio increased by 1% to EUR 105.2 (104.0) billion.
The volume of the WRR loan portfolio at year-end 2015 was restated upwards by
EUR 4.8 billion as a result of a change in accounting principles related to the netting
of cash pools. When excluded for this accounting effect the loan portfolio increased
by EUR 6.0 billion. Total loans to the TIS sectors rose to EUR 38.9 (35.7) billion. In line
with our Banking for Food strategy, the volume of lending provided to the food agri
sector rose to EUR 63.9 (60.0) billion. At the end of 2016, lending to the food agri
sector accounted for 61% (61%) of the total loan portfolio of this business segment.
Lending to private individuals landed at EUR 2.4 (3.5) billion.
Dutch and international wholesale
Lending to the largest Dutch companies increased in 2016 by 1% to EUR 14.3 (14.2)
billion, in line with the Banking for the Netherlands strategy. EUR 51.3 (47.0) billion of
WRR's loan portfolio was granted to Wholesale clients outside of the Netherlands in
line with the Banking for Food strategy.
International rural and retail banking
The loan portfolio to rural and retail clients amounted to EUR 39.6 (37.6) billion in 2016.
In the main markets for rural banking, the loan portfolio totalled EUR 10.3 (9.8) billion in
Australia, EUR 6.5 (6.1) billion in New Zealand, EUR 7.5 (6.9) billion in the United States,
EUR 2.9 (2.5) billion in Brazil and EUR 1.0 (1.2) billion in Chile on 31 December 2016.
39 Our output and impact: improving performance
