Digital transformation & innovation Channel of the future The IBAN Name Check – know who you’re paying Simplifies trade transactions for SMEs Digital currency hedging platform for businesses Specialized mortgages for younger buyers Availability Internet banking Mobile banking 99.8% 99.8% Rabobank first half of 2018 As measured by NPS Retail clients Private banking clients Business clients Our net profit: 1.7 billion euros as of June 30, 2018 Credit ratings remained at a high level Market shares in the Netherlands remained stable at a high level. Mortgages Savings 20% 33% private sector loan portfolio deposits from customers Kickstart Waste Rabobank is helping to reduce loss and waste in the food chain in a variety of different ways. One way is to help farms in developing countries to invest in sustainable production. We also encourage innovation, for instance in relation to packaging, as well as attempting to change the behavior of Western consumers. We can’t do this alone. That’s why Rabobank works in coalitions. One of those is Champions 12.3. This coalition of multinationals, NGOs, government agencies, and activists aims to halve food waste by 2030. • Kickstart Earth • Kickstart Waste • Kickstart Stability • Kickstart Nutrition Reducing waste will generate gains 346.6 billion euros 415.7 billion euros These figures have not been checked by the accountant. Rabobank App Active users App Store rating 4,6 Innovating through new earnings models Satisfaction among our wholesale clients remains high. High levels of client satisfaction among our international rural clients are trending upwards. Our mission: Growing a better world together Rabobank wants to make a substantial contribution to welfare and prosperity in the Netherlands and to feeding the world sustainably. among retail and business clients in the Netherlands has improved. Our customer satisfaction 'Would you recommend us?' 1.5 billion 1.7 billion 59% private customers 80% corporate customers 95 monthly logins 5.8 million singleday record 2017 2018 mid mid 53 50 43 56 60 52 2017 2018 mid end 2017 2018 mid end 2017 2018 mid end