ESG risk rating nr 1

Availability

Mobile banking

99.6%

As measured by NPS

Market shares in theNetherlands remained stableat a high level

Mortgages Savings

3.0billion 2.2

billion

private sector loan portfolio deposits from customers

Meaningful cooperativeLocal banks allocated part of their pro�t toinvestments in local community initiativesin the Netherlands.

343billion

euros

418billion

euros

These �gures have not been checked by the accountant.

2018 2019

Satisfaction among our wholesale clients remains high. High levels of client satisfaction amongour international rural clients are stable.

'Would you recommend us?'

20182019

20182019

20182019

among retail clients in the Netherlands has improved.

Our customer satisfaction

(0 - 30) (30 - 70) (70 - 100)

Internet banking

99.7%

Digital transformation& innovation

64% 81.5%

private customers corporate customers

Our net pro�t: 2.2 billion eurosCredit ratings remained at a high level

active online customers

Rabobank in 2019

A

A

45million

euros

57

61

53

61

63

51

21% 33%

Catalyzing the commodity trade network by providing a fullydecentralized, interoperable blockchain solution to act as a dataexchange for the industry.

Digital lending based on machine learning.

Facilitates simple digital currency hedging o�ered to banks globally.

Innovating for our customers

Sustainability

Partnerships:- Partner of WWF on sustainable food production

- Member and co-chair of the Climate Smart Agriculture

Working Group of the WBCSD

- Tent Partnership for refugees

- CEO Partnership for Economic Inclusion (CEOP)

- Mastercard Farmer Network

- Active participation in the Dutch Climate Agreement talks

- XDelft!

- An ambitious partnership with UN Environment on

the AGRI3 fund, focused on forest protection, sustainable

agriculture and land use

- Host Round table responsible soy

- Biodiversity monitor arable farming in the Netherlands

- Arise

Creating impact togetherWe believe we can achieve more if we work togetherwith partners. That’s why we invest in partnerships.

Rabo PartnershipsOur mission is to expand access to �nancial services in developingcountries and emerging markets.

Rabo FoundationWe stimulate agricultural selfsu�ciency in developing countries with an impact on small-scale farmers.

Our mission:

Growing a better world togetherRabobank wants to make a substantial contribution

to welfare and prosperity in the Netherlands and

to feeding the world sustainably.

Retail clients

Private banking clients

Business clients

GOOD GREAT EXCELLENT