2017

Facts and figures — Our impact on society

Rabobank aims to be a courageous bank that meaningfully impacts well-being and prosperity in the Netherlands and helps feed the world sustainably.

Yes, we have big ambitions - but we aren’t alone. We tackle issues together with our clients and our partners. Step by step.

That’s how we make changes with impact. What kind? Read about it in this report.

€ 69.1 m

WorldStimulating sustainable food

Loans to Food & Agri sector worldwide

€ 97.8 billion

What we reinvest in Dutch society

The Netherlands Our impact on society

Total loan portfolio in the Netherlands

€ 298.6 billion

Cooperative dividend & donations

Loan portfolio Managed assets

86% market share

22% market share

39% market share 142.1 billionClient savings

340.7 billiondeposits from customers

Sustainable funding

Sustainable financing

Sustainable transactions (supervised)

€19billion €4.0

bn

€ 6.2bn

€2.5bn

Sustainable assets under management and assets held in custody

7.1 million clients

1.9 million members

€ 38 million

€ 300 m € 500 m

Our impact on Dutch society Rabobank aims to be a courageous bank that makes a substantial contribution to the well-being and prosperity in the Netherlands. This takes a four-pronged approach: self-reliance, entrepreneurship, local living environment, and food.

115.2 bn

Trade, industry and services

27 bnFood & Agri

Private individuals/ Mortgages

193.1 bn

Cooperative dividend

Clients

Always nearby

102 local banks 1,967 ATMs

Sustainable banking

Rabo Impact Loan for sustainable frontrunners with the European Investment Bank (EIB)

Green bond for investors in 12 sustainable solar and wind power projects.

Passi 60,000 requestsPASSI=get inspired about how to earn money and develop talent. Rabobank helps teens do this.

PinPin 43,000 downloadsPinPin is a cool pocket money app that teaches children to manage money.

PeaksThe Peaks app invests your spare change in companies who are sustainable frontrunners.

14,206

We invest in innovative products in services for specific groups wishing to become (more) financially independent or remain so for longer.

Self-relianceWe virtually and physically support our vulnerable population in their daily banking needs, for instance with devices like the Rabo CardPuller.

Banking Together

Rabobank Foundation supports social enterprises and foundations in the Netherlands. Entrepreneurs who create job opportunities for people with limited access to the jobs market. Like de Koeckebackers.

Support from cooperativesRabobank believes in the power of cooperation. People and businesses can have greater impact when they work together.

Social enterprise

Local socio-economic initiatives.

Cooperative PlannerHandbook for new cooperatives

More projectsMoreMoreMore

in lease investmentsper day. 20% concern second-hand leases.

ARNHEM/NIJMEGEN

AMSTERDAM REGION

FRIESLANDPROVINCE

CITY TRIANGLE

BRAINPORT REGION

GREEN HEART

SOUTH WEST NETHERLANDS

SOUTH HOLLAND SOUTH

8 score

€ 8.7 million

€ 3.6 million

8.4 score

We help entrepreneurs to innovate and grow and we stimulate regional circular economies.

4,476 applications for the start-up event.

in business financing per day.

Tellow recently got the Zeker-Online-Keurmerk security certification.

StartUp Now: Submit your plan now!

Rabo&Co: hybrid lending through high-net-worth clients.

Lease: 90% get an offer in 1 minute.

Tellow: smart bookkeeping app for the self-employed.

Enterprise Circular economy13 regional projects with clients that promote a circular economy.

Moonshot innovatie campaign The Moonshot campaign chal-lenges employees to generate ideas and new earnings models geared at improving Rabobank’s client focus.

3 winnersThree winning teams are getting the opportunity to create their own start-up. The winners are FarmBit, mOOvement and SpeedO.

100 circular action plans with entrepreneurs Rabobank, KPMG and CSR Netherlands are combining forces to stimulate circular action plans in the business sector. The aim is to realise 100 circular action plans with entrepreneurs this year.

More informationMore information

Associations and clubs In the Netherlands, clubs and associa-tions are what knits society together. Rabobank helps these organisations to become more self-reliant.

48 %

32 million

Sport 14 million Hockey, women’s cycling,

youth cycling and parasport.

Culture 9 millionRabo Family Day, Beats by

Bach, Kunstbende and MOJO/Lowlands.

1,250

Vital communities are essential. Rabobank contributes to sustainable local activities that benefit the community and social cohesion by bolstering sport and culture .

With 48% of all green financing in the Netherlands, the largest green bank.

Renewable energyRabobank invests € 4.9 billion* in energy generation, of which

in renewable energy.

€3.8 bn76 %

Rabobank funds the Netherlands’ largest citizens’ initiative The cooperatives Zeeuwind and Deltawind - 4,000 members strong - started the wind park at Krammersluizen in Zeeland; it generates green power for 100,000 households.

€ 215 mRegion scanOur Region Scans provide insight into regional challenges. The scans provide a starting point for improvements that can be referred to in client meetings and future-oriented dialogue sessions with members and stakeholders.

Local environmentRabo GreenMortgage A mortgage with an interest-rate discount for people buying an energy-efficient new-build home with a Green certificate.

Rabobank aims to make its commercial real estate portfolio 100% sustainable within 10 years. Partners: local banks and GreenHome.

Sustainable housing SponsoringBy sponsoring sport and culture, Rabobank encourages the development of vital communities.

Sustainable real estate

sport and culture associations and clubshad our support in 2017.

FoodWith knowledge, networks and finance, we help the food industry to achieve sustainable production.

Growing vegetables with 100% renewable resources

Growing vegetables, fruit, plants and flowers requires a lot of heat. Geothermal energy is a 100%-sustainable solution. With help from Rabobank, Trias Westland is researching whether enough geothermal energy could be extracted from the Earth’s crust at a depth of 4 km to cover much of Westland’s heating needs.

Biodiversity Monitor for DairyNature and agriculture need each other. Rabobank has developed a new resource that makes it possible to measure biodi-versity performance in the dairy industry.

Building on F&A entrepreneurs’ strengthsRabobank development programmes share our knowledge and network to ready farmers and horticulturists for future challenges.

Partners: Friesland Campina, WWF

Wanted: Farmers for farmers Retiring from farming without a successor is no easy business. Rabobank is professionalising the ‘Farmers for Farmers’ (Boer zoekt Boer) project, which matches retiring farmers with potential successors.

‘Climate-neutral’ eggs, burgers made from chicks that would otherwise be killed on day 1 – Kipster loves poultry. Rabobank is helping this com-pany to advance its innovations.

Your food chain Does chocolate grow on trees? The new cookery book Roots Kids explains how food chains work and deals with issues like health, sugar and waste. One way Rabobank helps make kids more aware.

780,000 KG OF FOODPER YEAR THIS SOUP SAVES

Anti-waste campaign On its way from farm to plate, 1⁄3 of the food in the chain is needlessly wasted. We work with Natuur & Milieu to raise awareness about consumer food waste.

You’re never too young... Voedseleducatie Plat - form’s ‘School of Taste’ helps raise awareness of nutrition at primary schools. Rabobank is the platform’s main sponsor.

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€ 97.8 billion

$1,000,000,000Growing a better world together How can we feed 10 billion people sustainably in 2050?

As one of the world’s leading Food & Agri banks, we take our respon-sibility in helping achieve global food security very seriously. We dedicate our knowledge, networks and financial solutions to this cause, while focusing on four major issues: Earth, Waste, Stability and Nutrition.

Food & Agri Financing

global

16% Meat

19% Grains

23% Dairy

15% Other

3% Beverages

10% Fruit & vegetables

5% Retail sector

9% Food & Agri

Improving sustainability of food & agri 5 Innovation projects with WWF5 chains and5 countries.

2 Salmon in Chili

3 Palm oil in Indonesia

5 Soybeans in Brazil

1 Milk in the Netherlands

4 Sugar in IndiaRabobank chairs the

Climate Smart Agricul-ture Finance Working Group of the

Better harvests thanks to the handy soil scanner Healthy agricultural land is vitally im-portant to every farmer. An investment from Rabobank Foundation helped dozens of Kenyan farmers to increase yields by as much as 300% with this scanner.

In cooperation with the UN

Fund for Forest Conservation and Sustainable Agriculture Rabobank’s Kickstart Food programme is accelerating the transition to a sustainable food supply. Rabobank has partnered with UN Environment to launch a fund dedicated to accelerating forest conservation and sustainable agriculture.

The initial projects will focus on Brazil and Indonesia. Kickstart Food is an

open platform. Rabobank invites stakeholders

throughout the entire

Food & Agri sector to

participate.

More More information

Our future 4,900,000

1965Branches

14.2 billionLoan Portfolio

29%

rura

l a

reas

50% fo

od &

A

gri

Rabobank Foundationreach

Our mission is to open up access to financial services in developing countries and emerging markets.

Rabo DevelopmentGlobal portfolio (2016 data)

in loan guarantees, loans, donations and technical assistance

€ 25 m

7.2 millionClients

28% ru

ral p

riv

ate induviualsInternationally recognised by the FAO for the many years we’ve dedicated to strengthening small farming communities.

Jacques Diouf Award

Knowledge and networks for the agriculture sector

Global Farmers community was created by and for Rabobank farmers - this defines our new online platform.

Rabobank Global Farmers Master Class1

Helping 130 farmers from all over the world to develop a vision for the future.

global dairy farms

17of theTOP

20

Rabobank provides support throughout the

beverage manufacturers

18of theTOP

25

90 analysts from all over the world provide our clients with tailored, indis-pensable research and news on the latest market developments.

Food & Agri Innovation During F&A Next we brought 160 start-ups, 110 investors and 70 corporates together to stimulate innovation.

Our four FoodBytes! events in 2017 welcomed 80 Food & Agri start-ups to the global stage.

With an impact on almost 5 million small farmers we stimulate self-reliance of farmers in developing countries.

288 project partners

23 countriesMore about Rabobank Foundation

More about Rabo Development

Community

More More

29% 5,466 employees donate EUR 4 per month to this fund for sustainable projects in developing countries. Rabobank matches this sum.

€ 727,000 to projects in 23 countriesless CO₂ per FTE

since 2008

Rabobankclimate-neutral since 2007

Organisational Health Index

Rabobank received the distinc-tion of ‘highly commended company’ at the European

Diversity Awards in London. An award for our positive efforts in promoting diversity and inclusion. The Rabobank of the future is an inventive, decisive

and outward-oriented organisation. To track the progress of our transition, we monitor employee

culture, engagement, decisiveness and innovation power worldwide.

2008

2017

Rabobank Foundation Employee Fund

Listening

9 Dialogue sessions with our clients, whom we ask to think strategically

about which themes are most relevant for Rabobank.

Sustainable developmentThe 17 Sustainable Development Goalsset by the UN have a fundamental place in our business operations.

Artist in Residence Does art play a role in Rabobank’s transition? Artist in residence Lucas de Man presented his surprising findings in the Stedelijk Museum exhibition called ‘Het wordt altijd anders’.

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Read more about Rabobank’s impact and achievements in 2017 here