Key Figures - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - About this Report Chairman's Foreword Corporate Management Report Appendices Governance Consolidated Financial Company Financial Statements Statements Amounts in EUR millions 2018 2017 2016 2015 2014 Non-Financial Key Figures Net promotor score Private Customers in the Netherlands 57 53 36 33 17 Net promotor score Private Banking Customers in the Netherlands 61 50 41 37 29 Net promotor score Corporate Customers in the Netherlands 53 43 30 21 10 online active private customers in the Netherlands 61.8% online active corporate customers in the Netherlands 80.8% Reptrak pulse score 70.8 69.5 66.1 Member engagement score 44% Diversity: Women in Managing Board 40.0% 40.0% 14.3% Diversity: Women in first level below Managing Board 31.3% 28.9% Diversity: Women employed in the Netherlands 52% Employee engagement scan 61 Financial Key Figures Common equity tier 1 ratio (fully loaded) 16.0% 15.5% 13.5% 12.0% 11.8% Total capital ratio (transitional) 26.6% 26.2% 25.0% 23.2% 21.3% Leverage ratio (transitional) 6.4% 6.0% 5.5% 5.1% 4.9% Risk-weighted assets 200,531 198,269 211,226 213,092 211,870 Wholesale funding 153,223 160,407 188,862 203,218 216,529 Cost/income ratio including regulatory levies 65.9% 71.3% 70.9% 65.2% 66.3% Underlying cost/income ratio including regulatory levies 63.9% 65.3% 64.8% 64.6% ROIC 7.4% 6.9% 5.2% 6.0% Return on equity 7.3% 6.7% 4.9% 5.5% Return on assets 0.5% 0.4% 0.3% 0.3% 0.3% Other Financial Figures Income 12,020 12,001 12,805 13,014 12,889 Operating expenses 7,446 8,054 8,594 8,145 8,055 Impairment charges on financial assets 190 -190 310 1,033 2,633 Net profit 3,004 2,674 2,024 2,214 1,842 Total assets 590,437 602,991 662,593 678,827 691,278 Private sector loan portfolio 416,025 410,964 424,551 433,927 429,731 Deposits from customers 342,410 340,682 347,712 345,884 336,409 Equity 42,236 39,610 40,524 41,197 38,788 Loan-to-deposit ratio 1.21 1.21 1.22 1.25 1.32 Ratings Standard Poor's A+ A+ A+ A+ A+ Moody's Investors service Aa3 Aa2 Aa2 Aa2 Aa2 Fitch ratings AA- AA- AA- AA- AA- DBRS AA AA AA AA AA (high) RobecoSAM 251 11 7 5 12 Sustainalytics Ranking category diversified banks 2 7 2 11 40 Sustainalytics ESG Risk Rating category diversified banks 1 About Rabobank Local Rabobanks 101 102 103 106 113 Offices in the Netherlands 409 446 475 506 547 Foreign places of business 393 389 382 403 440 Availability of internet banking 99.9% 99.9% 99.7% 99.8% 98.9% Availability of mobile banking 99.9% 99.9% 99.7% 99.8% 99.0% Availability of iDEAL 99.8% Community funds and donations 48.8 45.5 43.3 45 44.8 Annual Report 2018 - Management Report 6

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Annual Reports Rabobank | 2018 | | pagina 8