About this
Report
Chairman's
Foreword
Management Report Appendices
Corporate
Governance
Consolidated Financial
Statements
Company Financial
Statements
Term
Green Mortgage
Hybrid capital
latR (Income at Risk)
Impact Loan
Impaired loans
Interest rate risk
Mortgage that encourages customers to buy energy efficient new homes by giving them a discount (0.5%)
on the interest.
Capital including components of equity and liabilities, forming part of the bank's tier 1 capital.
This measure indicates, with some degree of reliability, the maximum loss of interest profit caused by a sharp
increase or decline in money market interest rates over the next 12 months.
Loan with a significant interest account introduced by the European Investment Bank(EIB) and Rabobank for
sustainability frontrunners in the Netherlands with a positive social impact.
Loans for which a provision has been made.
The risk that the bank's financial performance and/or economic value, based on the balance sheet structure,
is negatively affected by trends in the money market.
Estimate of economic loss in the event of default on the part of the debtor. The LGD is expressed as a
LGD (Loss Given Default) percentage of the EAD.
The riskthat a bank will not be able to fulfill all its payment and repayment obligations on time, as well as the
Liquidity risk riskthat it will at sometime be unable to fund increases in assets at a reasonable price, if at all.
Costs consisting of the amounts added to the loan impairment allowance and charged to the profit and loss
account. Loan impairment charges represent the balance of addition, release and earnings after write-offs.
Loan impairment charges Loan impairment charges are generally expressed in basis points of average lending.
Loan-to-deposit ratio Ratio of lending related to due to customers.
Relevant topics that may reasonably be considered important for reflecting the organization's economic,
environmental and social impacts, or influencing the decisions of stakeholders.
Risk related to value changes in the trading portfolio due to price changes in the market which affect factors
such as interest rates, shares, credit spreads, currencies and certain types of goods.
The probability of loss caused by inadequate or deficient internal processes, people or systems, or by
external events.
PD (Probability of Default)The likelihood that a counterparty will default within one year.
Capital determined based on the regulator's requirements. For Rabobank, this represents the sum of the tier
1 capital, subordinated debts and share of noncontrolling interests less transitional provisions.
Risk-based profitability measurement framework which ensures that earnings and risks can be consistently
weighted against each other.
Materiality
Market risk
Operational risk
Qualifying capital
RAROC (Risk Adjusted
Return On Capital)
Regulatory capital or
external
capital requirement
Return on tier 1 capital
The total capital classified by the regulator as risk-bearing capital, consisting of the tier 1 and tier 2 capital.
Net profit related to the tier 1 capital as at 31 December of the previous financial year.
The assets of a financial institution multiplied by a weighting factor, set by the regulatory authorities,
reflecting the relative risk related to these assets. The minimum capital requirement is calculated based on
the risk-weighted assets.
A company's ability to meet its financial obligations.
Agriculture with a focus on sustainability and innovations. Innovations that will ultimately result in structural
increases of sustainable food supply.
Sustainable develop ment is develop ment which meets the needs of current generations without comprising
Sustainable development the ability of future generations to meet their own needs (UN Brundtland Commission Report, 1987).
Funds allocated to loans provided to SMEs with sustainability certifications on products, processes or
buildings.
Customer profile to identify whether a customer is a sustainability leader in its industry or an average or
below-average performer.
This capital is determined based on the regulator's requirements. For Rabobank, this represents the sum of
the common equity tier 1 capital, grandfathered instruments and share of non-controlling interests less
transitional provisions and deductions.
Tier 1 capital as related to the risk-weighted assets.
Risk-weighted assets
Solvency
Sustainable agriculture
Sustainability Bond
Sustainability photo
Tier 1 capital
Tier 1 ratio
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