Rabobank - Market Position

Market Position

Rabobank is traditionally a farmers' bank and it still holds an 85%-90% market share in the agrarian sector in the Netherlands. Throughout the years, the company has also started targeting small and medium sized companies. By the mid 1970s the market share in this sector reached some 30% and currently amounts to approximately 40%. In 1987, an important milestone was reached; the total outstanding loans in sectors other than agriculture exceeded those in the agricultural sector for the first time. By 2005 the agricultural credits amounted to some 8% of total outstanding credit.

Rabobank also holds some 40% of the total outstanding sums on Dutch savings accounts and they account for approximately 30% of all private consumer mortgages in the Netherlands.

In the Netherlands, Rabobank is the third largest retail bank by market share, and second largest by number of current accounts at 30%. ING Group is the largest with 40% of current accounts, followed by Rabobank (30%), ABN AMRO (20%), and others (10%).

The Rabobank Group currently consists of the following divisions:

• Rabobank Nederland - the facilitary and staff organisation that serves the local banks. It currently performs the following core activities:
  • Market (staff) support for the domestic retail banking business
  • Group functions i.e. ICT, Legal and other facilitary departments
  • Wholesale banking and international rural and retail banking
• Local Banks - Approximately 141 independent and cooperative local banks in the Netherlands
• Rabo International - Rabobank's wholesale banking and investment division
• Rabo Vastgoed Groep - Project developer, real estate
• Robeco - Investment management
• De Lage Landen - Vendor finance, leasing and trade finance
• Schretlen & Co - Asset management, private banking sector
• Obvion - mortgage intermediary
• FGH Bank - Dutch real estate bank
• ACCBank - Agricultural Credit Corporation, Ireland
• Bank BGZ - Retail bank, Poland
• Rabobank N.A. - California-based U.S. national bank (i.e., federally chartered), formerly six community banks with agri-focus
• Rabo Mobiel, a mobile virtual network operator in the Netherlands.
• Rabo Development, with advisory services and minority participations in various international markets, including: Tanzania, Zambia, Rwanda, Mozambique, China, Brazil and Paraguay.