About this Report Chairman's Foreword Management Report Appendices Corporate Governance Consolidated Financial Company Financial Statements Statements Offsetting of Financial Instruments Amounts in millions of euros On December 312018 Loans and advances to credit institutions Derivatives Loans and advances to customers Other assets Total Amount before offsetting 17,859 81,402 443,093 6,640 548,994 Net carrying amount IAS 32 Offsetting included in balance sheet (58,742) (6,502) (209) (65,453) 17,859 22,660 436,591 6,431 483,541 Master nettmq Amount after other Other offsetting agreements offsetting (13,531) (13,531) (6,756) (12,131) (18,887) 11,103 9,129 424,460 6,431 451,123 Deposits from credit institutions Deposits from customers Derivatives Other liabilities Total 20,666 344,504 85,807 6,551 457,528 (1,269) (2,094) (61,880) (209) (65,452) 19,397 342,410 23,927 6,342 392,076 (13,531) (13,531) (79) (13) (92) 19,318 342,397 10,396 6,342 378,453 On December 312017 Loans and advances to credit institutions Derivatives Loans and advances to customers Other assets Total 27,845 87,237 439,587 8,245 562,914 (591) (61,732) (7,023) (284) (69,630) 27,254 25,505 432,564 7,961 493,284 (15,984) (15,984) (17,537) (12,861) (30,398) 9,717 9,521 419,703 7,961 446,902 Deposits from credit institutions Deposits from customers Derivatives Other liabilities Total 20,496 343,958 92,599 8,555 465,608 (1,574) (3,276) (64,496) (284) (69,630) 18,922 340,682 28,103 8,271 395,978 (15,984) (15,984) (350) (108) (458) 18,572 340,574 12,119 8,271 379,536 The table below shows the credit-impaired financial assets in relation with the collateral that is held as security to mitigate credit risk. Collateral Field as Security and Other Credit Enhancements for Credit-impaired Financial Assets Amounts in millions of euros On December 312018 Loans and advances to credit institutions Loans and advances to customers Financial assets at fair value through other comprehensive income Total Gross carrying amount credit impaired financial Impairment allowances 34 15,993 16,027 20 3,226 3,246 Carrying amount after Collateral held as security deduction impairment allowance 14 12,767 and other credit enhancements 10,044 12,781 10,044 The next table sets out the maximum exposure to credit risk to which Rabobank is exposed for financial instruments not subject to the IFRS 9 impairment requirements, without taking into account any collateral or other measures for restricting credit risk. It also shows the financial effect of any collateral provided or other types of credit risk reduction. In some cases the amounts stated deviate from the carrying amounts as presented in the statement of financial position because the outstanding equity instruments are not included in the maximum exposure to credit risk. Annual Report2018-Consolidated Financial Statements 157

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Annual Reports Rabobank | 2018 | | pagina 159