Key figures
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Contents Introduction Management report Appendices Corporate governance Consolidated Financial Statements Company Financial Statements
Key figures
Amounts in millions of euros
2017
2016
2015
2014
2013
Financial position and solvency
Equity
39,610
40,524
41,197
38,788
38,534
Common equity tier 1 capital
31,263
29,618
28,754
28,714
28,551
Tier 1 capital
37,204
37,079
35,052
33,874
35,092
Total capital
51,923
52,873
49,455
45,139
41,650
Risk-weighted assets
198,269
211,226
213,092
211,870
210,829
Profit and loss account
Income
12,001
12,805
13,014
12,889
13,072
Operating expenses
8,054
8,594
8,145
8,055
9,760
Regulatory levies
505
483
344
488
197
Impairment losses on goodwill and investments in associates
0
700
623
32
42
Loan impairment charges
(190)
310
1,033
2,633
2,643
Taxation
958
694
655
(161)
88
Net profit from continued activities
2,674
2,024
2,214
1,842
342
Net profit from discontinued activities
0
0
0
0
1,665
Net profit
2,674
2,024
2,214
1,842
2,007
Ratios
Common equity tier 1 ratio
15.8%
14.0%
13.5%
13.6%
13.5%
Fully loaded common equity tier 1 ratio
15.5%
13.5%
12.0%
11.8%
11.1%
Tier 1 ratio
18.8%
17.6%
16.4%
16.0%
16.6%
Total capital ratio
26.2%
25.0%
23.2%
21.3%
19.8%
Equity capital ratio
17.3%
15.0%
14.7%
14.4%
16.1%
Leverage ratio
6.0%
5.5%
5.1%
4.9%
4.8%
Loan-to-deposit ratio
1.20
1.22
1.25
1.32
1.35
Return on tier 1 capital
7.2%
5.8%
6.5%
5.2%
5.2%
ROIC
6.9%
5.2%
6.0%
Cost/income ratio excluding regulatory levies
67.1%
67.1%
62.6%
62.5%
74.7%
Cost/income ratio including regulatory levies
71.3%
70.9%
65.2%
66.3%
76.2%
Net profit growth
32.1%
-8.6%
20.2%
-8.2%
-2.5%
Return on assets
0.44%
0.31%
0.33%
0.28%
0.27%
Ratings
Standard Poor's
A+
A+
A+
A+
AA-
Moody's Investors Service
Aa2
Aa2
Aa2
Aa2
Aa2
Fitch Ratings
AA-
AA-
AA-
AA-
AA-
DBRS
AA
AA
AA
AA (high)
AAA
Sustainability ratings
RobecoSAM (DJSI) - ranking
11
7
5
12
Sustainalytics - ranking
7
2
11
40
Volume of services
Total assets
602,991
662,593
678,827
691,278
669,095
Private sector loan portfolio
410,964
424,551
433,927
429,731
434,691
Deposits from customers
340,682
347,712
345,884
336,409
326,222
Wholesale funding
160,407
188,862
203,218
216,529
219,057
Supporting local communities
Rabobank Foundation (in the Netherlands and abroad)
20
16.9
16.3
19.5
16.4
Cooperative dividend (local Rabobanks)
38.9
36.8
38.1
36.8
44.5
Donations Rabobank
6.6
6.5
6.9
8.0
8.0
Climate Footprint before full compensation
C02 emissions own operations (x 1,000 tonnes C02)
174
181
182
198
208
C02 emissions per FTE (tonnes C02)
4.0
3.8
3.5
3.6
3.5
Rabobank Annual Report 2017 - Management report
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