Subsidiaries
The subsidiaries and associates help to achieve Rabobank Group’s objective of offering a comprehensive range of financial services. The group entities are specialists in their fields and seek to forge close ties in the customer’s best interest.

Irish ACCBank was founded in 1927 as the Agricultural Credit Corporation. It continues to be a strong brand in rural Ireland. In addition to farmers, the bank also focuses its activities on the SME sector and retail clients. It is committed to establishing enduring relationships with its clients by generating substantial customer value. The bank and its clients benefit from Rabobank Group’s extensive range of products in the Dutch market including banking products, insurance, employment benefits, leasing and investment products.
Bank Gospodarki Żywnościowej S.A. (BGŻ) was established in 1975, and is one of the largest universal commercial banks in Polish financial system. The Bank's customer group comprises large corporations as well as medium-size and small enterprises, and more than one million individuals. The Bank specialises in providing financial service to agriculture and regional infrastructure.
BGŻ`s wide network of over 240 domestic branches and 2,000 ATMs make the bank easy accessible all over Poland. Rabobank has a 59% interest in Bank BGZ.
www.bgz.pl
De Lage Landen International B.V. is a global provider of high-quality asset-based financing products. With offices and joint ventures in 35 countries worldwide, De Lage Landen specialises in asset financing and vendor finance programmes. Its global offering also includes an array of commercial finance solutions. The company focuses on the following sectors: food & agriculture, healthcare, office equipment, technology finance, financial institutions, transportation and construction & industrial. It also offers private-label leasing programmes for the banking industry, and delivers a broad range of financial services to leasing organisations and non-banking financial institutions.
In the Netherlands, De Lage Landen offers a broad range of financing products, both through local Rabobanks and directly to the market. These products include equipment leasing, car and commercial vehicle leasing, IT leasing, consumer finance and factoring.
Athlon Car Lease
Athlon Car Lease is subsidiary of De Lage Landen. It is a prominent player in its business sector in the Netherlands, with more than 128,000 cars. It also has its own fleet of rental vehicles. Athlon Car Lease employs more than 600 people in the Netherlands.
Freo
Freo is a subsidiary of De Lage Landen that specialises in providing online loans to Dutch consumers. It offers fast decisions on online loan applications with no hidden costs and a standard, low rate of interest.
Athlon Car Lease
With more than 128,000 cars, Athlon Car Lease is a prominent player in its business sector in the Netherlands. In addition, Athlon Car Lease has its own fleet of rental vehicles. Athlon Car Lease employs more than 600 people in the Netherlands and is a subsidiary of De Lage Landen.
Chairman of Athlon Car Lease’s Board of Directors: Richard Sikkel

Freo
Freo is THE online credit supplier for clients, who are looking for a revolving credit or personal loan. Freo considers loans a very usual thing and with brand values simplicity, openness and mutuality, Freo gives new meaning to the concept of "lending".
Simplicity
Freo likes to keep it simple: no trimmings, but simple and transparent products.
Openness
Freo provides insight into her business by stating what her criteria and values are. She wants to take care that clients do not come to depend on her nor on the loan.
Mutuality
Negotiating a loan connects Freo with the client. They have a common interest.
The client takes out a loan to be independent and with the knowledge and experience as financial service provider, this loan should be fitted into the life of that client.
This is also in Freo's interest, because lending money also costs money and therefore this should be done very carefully. Continuity is the common interest. This means that Freo will be there in good times ánd in bad times.
Independer
Freo is a trade name of De Lage Landen and has been proclaimed best credit supplier in 2009 and 2010 according to investigations by Independer.nl.
Freo
Simply about lending.
More information

Obvion provides mortgages and simple financial products to the independent brokers’ market. It is a joint venture of Rabobank Group and ABP (the Dutch civil service pension fund).
Obvion’s strategy is founded on six core pillars: independence, speed and flexibility, teamwork, personal attention, reliability and professional knowledge. This has resulted in fast and reliable service, specialist expertise and a complete and competitive range of products.
Rabo Vastgoedgroep (Rabo Real Estate Group) is a leading international real estate enterprise with three core activities: real estate development, finance and investment management. Rabo Vastgoedgroep operates in both the private and corporate markets and is one of the largest real estate businesses in Europe. It employs approximately 1,800 staff and operates in several European countries.
Development
Within Rabo Vastgoedgroep, Bouwfonds Property Development and Rabo Vastgoed are responsible for real estate development.
Finance
Real estate financing is done by FGH Bank, both under its own label and under the labels Nederlandse Hypotheekbank and Rijnlandse Hypotheekbank.
Investment management
Bouwfonds Asset Management is responsible for real estate investments. Through Fondsenbeheer, Rabo Vastgoedgroep makes a prominent supporting contribution to social real estate development and financing.

Rembrandt Fusies & Overnames is an independent organisation that advises and assists in the sale and purchase of enterprises. Rembrandt F&O focuses on owners of small and medium-sized family businesses seeking a solution for their succession, as well as ambitious entrepreneurs planning to expand their businesses. It has offices in Amsterdam, Rotterdam and Eindhoven.

Robeco, established in Rotterdam in 1929, offers investment products and services to institutional and private investors worldwide. It advocates responsible investing and has integrated environmental, social and governance factors into its investment process., It does not do business with parties who do not meet its requirements. Robeco makes active use of its voting right and enters into dialogue with the companies in which it invests.
Robeco’s products encompass equity and fixed-income investments, money market funds and alternative investments, including private equity, hedge funds and structured products. The various strategies are managed from Rotterdam (head office), Boston, Hong Kong, New York, Paris and Zurich.

Schretlen & Co is the private banking specialist within Rabobank Group. Its activities include asset management and advice, combined with asset planning, which are focused on high net-worth individuals and medium-sized institutional investors. Headquartered in Amsterdam, it has branches in Apeldoorn, Heerenveen, Rotterdam and Waalre, all in the Netherlands.
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