- - - - - - - - - - - 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 C02 emissions (tonnes per FTE) 3.4 4.0 3.8 3.5 3.6 Sustainable Products Services Total sustainable financing 46,6072 17,3773 Total sustainable assets under management and assets held in custody 4,726 4,030 3,835 2,843 2,101 Total sustainable funding 3,941 3,4364 2,985 2,122 2,365 Total financial transactions supervised by Rabobank 7,140 6,236 5,750 6,313 2,383 Client Photo Local Rabobanks in the Netherlands (exposure EUR 1M) coverage5 99% 98% 99% Client Photo Local Rabobanks in the Netherlands (exposure EUR 1M) A-level 5% 4% 5% Client Photo Wholesale offices (exposure EUR 1M) coverage 87% 73% 85% Client Photo Wholesale offices (exposure EUR 1M A-level 24% 21% 26% Personnel Data Number of employees (total in FTE) 41,861 43,729 45,567 52,013 53,912 Staff costs 4,278 4,472 4,680 4,787 5,086 Absenteeism in the Netherlands 4.3% 4.0% 3.6% 3.7% 3.7% Training expenses (EUR per FTE) 1,906 1,841 1,945 1,734 1,604 1 In 2018 RobecoSAM updated its scoring methodology which impacted our score and ranking substantially. 2 In 2018 the sustainable mortgage portfolio has been included in the total sustainable financing. The sustainable mortgages are a substantial part of the total of sustainable financing (EUR 29,161 million). This figure consists of the outstanding balances of all residential properties with a provisional or final energy label A. 3 The figure is restated as the sustainable finance definition have been updated. As such, some specific products (access to finance) are no longer recorded and sustainable loans have been included. The reported 2017-figure was 18,610. 4 The 2017-figure is restated as a small part of the Obvion Green Bonds have been paid off in 2017. The reported 2017-figures was 3,501 5 Please note that the coverage of Local Rabobank clients with a client photo could not be determined for the full population due to technical reasons. For further details please refer to Appendix 3. Annual Report 2018 - Management Report 7

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Annual Reports Rabobank | 2018 | | pagina 9