Rabobank Group

Rabobank's capital position is strong and the liquidity position remains robust. Rabobank's high creditworthiness gives it access to finance at a relatively low cost. In order to maintain this special position, solid balance sheet ratios, healthy profitability and a high tier 1 ratio are required. As of June 2011 the tier 1 ratio stood at 16.2%, up 0.5 percentage points, because of retained earnings and the issuing of hybrid financial instruments.

Rabobank's international focus lies on food and agri in the world's key agricultural countries. This focus is a natural extension of our roots and our knowledge in the area of food and agribusiness. Rabobank has a market share of 84% in the home market and wants to be the leading global food and agribusiness bank. International lending to the food and agri sector was stable at EUR 44 billion.

Rabobank wants to be the market leader in the Netherlands in all segments of financial services. At domestic retail banking, private sector lending grew with 2% to EUR 291 billion. Amounts due to customers increased by 3% to EUR 198 billion. Rabobank managed to retain its market shares in all key markets.

Rabobank wants to make an economic, social and ecological contribution to building a sustainable society. It therefore sets high standards in the areas of the environment, society and governance as far as its services and its policy on responsible banking are concerned. Clients must be able to see that the services they receive are responsible and transparent. Moreover, Rabobank is committed to creating more sustainability in value chains in all core activities.