Subsidiaries
The Rabobank Group comprises a broad range of financial service companies and brands, all focused on creating value for customers. The make-up of Rabobank Group is characterized by a strong mutual affinity from it co-operative roots.

ACCBank was founded in 1927 as the Agricultural Credit Corporation. It continues to be a strong brand in the rural regions of Ireland. In addition to farmers, the bank also focuses its activities on the SME sector and retail clients. The bank is committed to establishing long-lasting relationships with its clients by generating substantial customer value. The bank and its clients are able to benefit from Rabobank Group’s extensive range of products in the Dutch market including banking products, insurance, employment benefits, leasing and investment products.
Chairman of ACCBank’s Board of Directors: Rob Hartog
Link: www.accbank.com
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

Bizner is the first internet merchant bank without account managers or brances, but with self-service. At Bizner, entrepreneurs can purchase, manage and change all basic financial products – including bank cards, credit cards, loans and time deposits – on-line themselves, 24 hours a day.
Chairman of Bizner Bank’s Board of Directors: Frank Klemann (F.J.A.)
Link:www.bizner.nl
De Lage Landen
De Lage Landen International B.V. is a global provider of high-quality asset-based financing products. With offices and joint ventures in more than 35 countries worldwide, De Lage Landen specializes in asset financing and vendor finance programs on a worldwide scale. The global offering also includes an array of commercial finance solutions. The company focuses on the following industries: Food & Agriculture, Healthcare, Office Equipment, Technology Finance, Financial Institutions, Transportation and Construction & Industrial. De Lage Landen also offers private-label leasing programs for the Banking industry, and delivers a broad range of financial services to leasing organizations 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, ICT Leasing, Consumer Finance and Factoring.
Chairman of De Lage Landen’s Board of Directors: Ronald Slaats
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 preeminent online lender for consumers who want an honest and clear loan at a competitive rate.
Consumers can apply for a loan with Freo completely online and will find out within a matter of minutes the amount that they can loan and the related terms and conditions. All the loans are provided without any hidden costs, unpleasant surprises or overly expensive supplementary products. At Freo you know exactly what you are borrowing. Freo is an initiative of De Lage Landen and is located in Eindhoven.
Chairman of Freo’s Board of Directors: Milko Wijckmans
More information

Obvion is a provider of mortgages and simple financial products and focuses on the independent brokers’ market. Obvion 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. In practice, this strategy has resulted in fast and reliable service, specialist expertise and a complete and competitive range of products. Obvion is based in Heerlen, the Netherlands.
Chairman of Obvion’s Board of Directors: Roy van Diem (R.)
Link: www.obvion.nl

Orbay was established as a result of an alliance between Rabobank and KBC Bank. Orbay provides generic back-office securities services to financial institutions.
In addition to transmitting transactions to the various stock exchanges, Orbay provides a range of other services including the administrative management of securities portfolios. Orbay’s clients, however, retain responsibility for providing the services to the end investors, i.e. the front-office services.
Orbay’s mission is to provide the highest possible quality at the lowest possible cost. It achieves this through growth in volume, the use of new technology and far-reaching efficiency through STP processing.
Orbay is located in Eindhoven.
Link: www.orbay.nl
Rabo Vastgoedgroep is an international leading real estate enterprise with three core activities focused on 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.
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. Rabo Vastgoedgroep employs approximately 1,800 staff and operates in several European countries.
Acting chairman of Rabo Vastgoedgroep' Board of Directors: Peter Keur (P.C.)

Rembrandt Fusies & Overnames is an independent organisation whose core business comprises advice and assistance in sales and purchases of enterprises. Rembrandt Fusies & Overnames focuses on owners of smaller and medium-sized family businesses seeking a solution for their succession, as well as on ambitious entrepreneurs planning to expand their businesses. Rembrandt F&O has offices in Amsterdam, Rotterdam and Eindhoven.
Chairman of Rembrandt Fusies & Overnames’ Board of Directors: Ferdi Kramer (F.T.)
Link: www.rembrandt-fo.nl

Robeco was founded in Rotterdam in 1929. Worldwide, it provides investment products and services to private investors. Services to private individuals are provided both through banks and other distribution partners, and through direct channels. Robeco’s product range includes equity and fixed-interest investments, money market and real estate funds, as well as alternative investments, including private equity, hedge funds and structured products. Robeco has offices is in Rotterdam (head office), Boston, Hongkong, New York and Paris.
Chairman of Robeco’s Board of Directors: George Möller (G.A.)
Link: www.robeco.com

Founded in 1841, Bank Sarasin is one of the leading Swiss private banking firms. Its core activities comprise investment advice and asset management services to high net-worth individuals and institutional clients, as well as investment funds management. Complementary services include corporate finance and financial analysis. Sarasin Group has around 1,200 employees and its international operations cover eight countries, in Europe, Asia and the Middle East. Rabobank has a 46% shareholding in Sarasin and voting rights totalling 69%.
Chairman of Sarasin’s Board of Directors: Joachim Straehle (J.H.)
Link: www.sarasin.com

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. In addition to its head office in Amsterdam, Schretlen & Co has branches in Apeldoorn, Heerenveen, Rotterdam and Waalre, all located in the Netherlands.
Chairman of Schretlen & Co’s Board of Directors: Gerbert Mos (G.A.)
Link: www.schretlen.com
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