Banking for the Netherlands promoting welfare and prosperity in the Netherlands

Increasing earning capacity

Financing food & agribusiness

€ 35billion

Financing trade, industry and services

€ 88 billion

€ 202 billion

€ 117billion

Mortgage portfolio

Managed retail savings

Promoting an optimumlife course

Banking for Food Promoting a sustainable food supply worldwide

Our business operations

Rabobank has been climate-neutral since 2007

21 3

€ 62.2 million

Strengthening the living environment

New cooperatives

710

Rabobank operates at the heart of society

2015

2008

-35% Less carbon per FTE since 2008

Rabobank supports the entire chain - from farm to food on the table

global dairy enterprisesbeverage producers

Access to finance for 2 million small farmers in Africa, Asia and South America

Financing with a positive impact on society

€ 22 billion

2015

Cooperative dividend

17of theTOP

20

18of theTOP

25

€ 98 billion

Financing for Food & Agri

worldwide

Rabobank’s impact on society Invested in each other: facts & figures

Increasing earning capacity

Promoting welfare and prosperity in the Netherlands • • •

Energy Circular economy

€ 1,5 billionGreen Loans

Financing with a positive impact on society

NEW Rabo impact loan for frontrunners in sustainability

in conjunction with the European Investment Bank (EIB).

Financing Food & Agri

€ 35billion

Financing trade, industry and services

€ 88billion

Housing

Each day we lend businesses over

€ 40million

Total

€22 billion

Our focus is to make society sustainable together with customers and partners: deuren

Sustainable building, living and renovating

Promoting an optimum life courseInvesting in housing, jobs and nutrition

€ 117 billion

€ 202 billion

credit provided to food & agribusiness

credit provided to trade, industry & services

Managed retail savings

Mortgage portfolio

credit provided to retail customers (mainly mortgages).

10%

18%

72% 3.000home owners

300contractors and installers

20Smart Refurbishment events

Making homes more sustainable is discussed more often in

meetings with mortgage advisers.

Solarpanels

Roof

insulation

High performance

combiboilers

High performance

glass++

Floorinsulation

Doors

Cavity wall insulation

Distribution of financing in the Netherlands

More about Rabo Groenbank

Promoting welfare and prosperity in the Netherlands • • •

Strengthening the living environmentFor more than a century, we have been in-vesting in local communities and in making our society more sustainable, through local funding, self-sufficiency and cooperation.

€ 62,2 millionCooperative dividendsare invested in the Netherlands through the Profit Distribution Fund.

New cooperatives

31%

33 %

36 %

Sustainability

Economic vitality

Quality of life

Sponsoring (sports, youth, culture) Dialogue sessions on Banking for the Netherlands

Local

€ 22 million

National

€ 12 million

International

€ 6 million

Supporting new collective local social initiatives.710

solar energy

healthcare

Internet access

110 Energy cooperatives

180 Healthcare and community cooperatives

150 Entrepreneur cooperatives

28 Glass-fibre networks

242 Other

Rabobank Foundation has been supporting this organi-sation for athletes with intellectual disabilities for years.

Main sponsor of Special Olympics in the Netherlands +4 The partnership has been exten -ded by 4 years

with society

320 employees

537 customers and

representatives of social organisations

3 regional

15internal7

Rabobank Amerstreek

Plastic coins increase self- sufficiency

Rabobank Randmeren

Profit becomes a boost for the region

Rabobank Utrecht

Children in the vegetable garden near assisted-living centre

r

Promoting welfare and prosperity in the Netherlands • • •

rSustainable energyRabobank invests € 3.9 billion in energy generation, including

in sustainable energy.

99%Circular economyRegional projects with customers for a circular economy.

GREATER AMSTERDAM AREA

GROENE HART

WALCHEREN/NOORD BEVELAND

SOUTHWESTERN NETHERLANDS

FRIESLAND PROVINCE

BORGER/DRENTHE

URBAN TRIANGLE

IJSSEL DELTA

FOOD VALLEY

NIJMEGEN

Rabobank is the Dutch front runner in financing windmills.

Did you know...?

Top 5 ranking in the Bloomberg New Energy Finance League Table 2015.

TOP

180.000households benefit from the resources provided by the largest on-shore wind farm in the Netherlands: NOP Agrowind.

Bron: nopagrowind.nl

large companies

journals presented including practical guidelines.

8participants in the ‘Circular Economy: Join the journey’ event.

500

2.500

Rabobank CE Challenge 2015

€3,8 billion Largest ‘green bank’

48%Rabobank is the largest ‘green bank’ in the Netherlands with a 48% share of total green loans.

Herman Wijffels Innovation Award

Circular economy: IoniqaFood & Agri: One2BornHealth & Welfare: Robot Care Systems

Rabobank promotes innovation and offers knowledge and network as a springboard to success.

Winners 2015

Promoting a sustainable food supply worldwide • •

Increasing the availability of food

Improving access to food

Promoting healthy nutrition

Increasing stability

Promoting a sustainable food supply worldwide

Food and drink for 9 billion people

by 2050

1.000 550

300 71

Knowledge programmes for entrepreneurs

Financing food and agribusiness

Rabobank Successors Horizon 1,000 Dutch farmers and horticulturists since 2007

Rabobank Australië Executive Development550 leading farmers from Australia and New Zealand since 1999

Rabobank Australia Farm Managers300 young agribusi-ness high potentials since 2006

Rabobank Brazil Leaders in Agri 71 young agribusiness high potentials since 2007

€ 98 billionworldwide

global dairy companies

17of theTOP

20

Rabobank supports the entire chain - from farm to drinks on the kitchen table.

Beverage producers

243 reports Food & Agribusiness Research

18of theTOP

25

Rabobank Global Farmers Master Class 150 leading farmers

worldwide since 2012

150

24% Meat 19% Grains and oilseeds

15% Dairy 11% Fruit and vegetables 8% Food & agri inputs 4% Retail groceries

3% Beverages 3% Sugar 2% Flowers 2% Misc. crops 9% Other

Credit portfolio food & agribusiness by sector

Year-end 2015

Promoting a sustainable food supply worldwide • •

Rabo Development

in guarantees and loans

€ 29 million 290 projects26 countries

4,700,000With an impact on almost 5 million people, we promote self-sufficiency among farmers in developing countries.

Customers

6.3 million

Credit portfolio

€14.7 billion

Rural areas36%

Rural areas36% Food &

agribusiness chains47%

Netherlands Members councils

of 106 local Rabobanks

Australia/New Zealand

19 regional client councils

194 client members

Food & Agri Advisory Boards North America and Asia, with CEOs from large food & agri businesses

Rabo Development wants to expand access to financial services for people in rural areas of developing countries with a high potential for agriculture and supplying food.

Increasing the sustainability in food & agribusiness supply chains worldwide

2 Salmon in Chile

3 Palm oil in Indonesia 4 Soy/meat

in Brazil

1 Milk in the Netherlands

9 Roundtables

5 Sugar in India

5 innovation projects with the World Wide Fund for Nature and customers:

Rabobank is a member of nine international roundtables devoted to sustainability and sharing knowledge throughout the supply chain and with our customers.

Rabobank client councils Rabobank Foundation Sinds 1974

Our business operations • • • •

Our business operationsClimate-neutral since 2007

-35%

Less electricity used in 2015 compared to 2014

95 % Green energyFor all Rabobank locations in the Netherlands

Employees' fund

• Industry Leader Sustainalytics: top 5%.• RobecoSAM: ranked no. 5 worldwide in

the banking category. • Rabobank Brazil: winner of Dutcham

Sustainability award.

Rabo Share4More

Paperpaper useWe keep print runs

to a minimum and only use FSC-certified paper.

Already some 6,500 Rabobank employees donate 4 euros a month to this fund of Rabobank Foundation for sustainable projects in developing countries. Rabobank doubles the amount.

4,5 %

-9 % 833.000 m3Green Gas

Green Gas we purchase is produced from sugar beet waste.

Energy-efficient cars CO2

2015

2008 Our CO2 emissions per km in 2015 fell by

Less CO2 emissions per FTE since 2008( -3.1% in 2015) Sustainability

ratings and awards

€ 751,000 to water and

education projects in 20 countries

Rabobank wants to make a substantial contribution to the well-being and prosperity in the Netherlands and to feeding the world sustainably.

That is our focus as a bank, along with our customers and partners. Step by step.

This is how we are creating real change with an impact.

2015 Read more about Rabobank’s impact and results here.