Glossary of Terms Term BPV represents the absolute loss of the market value of equity if the yield curve as a whole changes in parallel by one basis point. Total greenhouse gas emissions expressed in metric tonnes of carbon dioxide for Scope 1,2 and 3. Inflows and outflows of cash and cash equivalents. Economic system where products and services are traded in closed loops. It's characterized as an economy which is regenerative by design, with the aim of retaining as much value as possible of products, parts and materials. Technology regarding renewable energy, energy efficiency, lighting, water and waste management. This capital is determined based on the regulator's requirements. For Rabobank, this constitutes the sum of retained earnings, Rabobank Certificates, share of noncontrolling interests, reserves and transitional provisions, minus estimated dividends and deductions. Operating expenses related to income. With respect to country risk, a distinction is drawn between transfer risk and collective debtor risk. Transfer risk relates to the possibility of foreign governments placing restrictions on funds transfers from debtors in their own country to creditors in other countries. Collective debtor risk is the risk that a large number of debtors in a particular country will all be unable to fulfill their obligations owing to the same cause. The risk of loss if the bank's counterparties are unable to meet their loan obligations to the bank. EAD (Exposure At Default)The bank's expected exposure in the event and at the time of a counterparty's default. Measure indicating the percentage by which the market value of equity will decrease if the yield curve increases (in parallel) by one percentage point. This refers to the minimum capital buffer required in order to offset all unexpected losses caused by the various risks to which a bank is exposed during a specific time period (one year), assuming a specific reliability interval. Refers to having a two-way dialogue with key stakeholders, such as our employees, business partners, clients and society to learn and understand the challenges they face, the innovations in the market, and developments in sustainability frames of reference. Engagement contributes to ongoing learning and improvement by enabling Rabobank to: identify and create commercial opportunities; to identify and appraise risks; have the opportunity to remedy grievances among the Group's stakeholders; share our knowledge and networks with our clients to motivate them to deal responsibly with their sustainability issues. Rabobank Committee established in 1998 which assesses practical situations that have an underlying ethical dilemma and weighs them against Rabobank's norms and values. Retained earnings and Rabobank Certificates related to risk-weighted assets. Funds used by the bank to finance its lending operations. Fund allocated to the financing of renewable energy projects (solar and wind). BPV (Basis Point Value) Carbon footprint Cash flow Circular economy Clean technology Common equity tier 1 capital Cost/income ratio Country risk Credit risk EatR (Equity at Risk) Economic capital or internal capital requirement Engagement Ethics Committee Equity capital ratio Funding Green Bond

Rabobank Bronnenarchief

Annual Reports Rabobank | 2018 | | pagina 267