Kirsten Konst Our impact on our customers - Member of the Managing Board responsible for Commercial Banking in the Netherlands and Regional Directors Helping our business customers to grow and be financially healthy is the key objective for the Rabobank Commercial Banking team, since growth is essential for entrepreneurs and for the Dutch economy. It creates jobs and helps companies to stay flexible to respond to the changing world around them. And helps us contribute to the Rabobank mission: Growing a better world together. Rabobank is responsible for financing two- thirds of the SME sector in the Netherlands including Food Agri. As a leading global Food Agri bank with a market share in Food Agri in the Netherlands of 85.7%, we are dedicated to helping solve the global food issue, and other issues important to our customers in the Netherlands. We are strongly committed to our clients and partners in the Dutch Food Agri sector, as shown by our recent efforts relating to livestock production rights (e.g. phosphate legislation). We want to be a top advisory bank and help our business customers to grow and achieve good financial health. We offer them a combination of extensive digital services and personal advice about what's important to them at key times, giving them insight into their competitive environment. Our sector management and research teams work proactively to inform customers on market developments both in the Netherlands and abroad. We apprise customers of complex issues such as food safety and work with the sector to address animal welfare and environmental impact dilemma's. The speed of social change presents entrepreneurs with major challenges. Take, for instance, developments like robotisation, digitalisation and big data. At Rabobank our own response is a far- reaching digital transformation of the company. But as a top advisory bank we also want to help our customers innovate to respond early to future and emerging trends. We do this by giving them access to our knowledge and networks and by offering financing options to help them innovate in practice, in combination with good payment and insurance solutions. I joined Rabobank in 2010, attracted by its cooperative mission. Like me, many of our employees choose Rabobank because its purpose is about more than banking alone. A key change for me last year was that loyalty scores in Commercial Banking in the Netherlands rose strongly in 2017, well above expectations. That demonstrates our expanded capacity for advising entrepreneurs and the continual improvement of our online service provision. The digitalisation of our commercial lending and leasing puts the customers in the driving seat so they can obtain a rapid and clear response about their financial needs. This means they can get on with what they love most: doing business.

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Annual Reports Rabobank | 2017 | | pagina 30