In addition to national and international subsidiaries, Rabobank holds minority stakes in various companies. The most important Dutch affiliated company is Achmea, in which Rabobank holds a 30% stake.
Achmea has approximately 16,500 FTEs and is market leader in the Netherlands in the field of insurance. It has a broad customer base in the Netherlands comprising private individuals, government agencies and businesses. Achmea has a modest position outside the Netherlands with activities in five countries. Rabobank and Achmea work in close cooperation in the field of insurance. Achmea operates in its home market of the Netherlands through its labels Centraal Beheer Achmea, Interpolis, Avéro Achmea, FBTO, Agis Zorgverzekeringen and Zilveren Kruis Achmea.
Interpolis is a label of Achmea and provides a wide range of non-life, healthcare and life insurance for both private individuals and businesses. With more than a million retail customers and several hundreds of thousands of business customers, Interpolis is one of the leading providers in the Dutch insurance market. Interpolis is market leader in the agricultural sector. Interpolis sells insurance through Rabobank branch offices and a number of independent brokers.
Freo provides online consumer loans – for example, to renovate a house or purchase a new car – at relatively low interest rates. Freo offers two types of loans: the Personal Loan, in which the customer receives a one-time amount, and Continuous Credit, a loan without a fixed term. The interest rate depends on the amount borrowed: the higher the loan, the lower the interest rate. How much a customer can borrow from Freo depends on his or her income, housing situation and fixed costs.