Coöperatieve Rabobank U.A. financials
Coöperatieve Rabobank U.A.
Country: NL Reporting currency: EUR Latest annual report: 2025-12-31
LEI:
DG3RU1DBUFHT4ZF9WN62 Financial statements
(EUR, as reported — unscaled; 109 line items across 2 annual periods)
| Line item | 2025 | 2024 |
|---|---|---|
| Income statement | ||
| Revenue | €16.42B | €16.13B |
| Other income | €244.0M | €181.0M |
| Operating expenses | €8.71B | €8.51B |
| Employee benefits expense | €6.30B | €6.17B |
| Depreciation & amortisation | €286.0M | €327.0M |
| Profit before tax | €6.72B | €6.82B |
| Income tax expense | €1.76B | €1.65B |
| Profit for the year | €4.96B | €5.16B |
| — attributable to NCI | €51.0M | €65.0M |
| Total comprehensive income | €4.05B | €5.53B |
| Cash flow statement | ||
| Net cash from operating activities | -€16.52B | €5.53B |
| Income taxes paid | €1.62B | €1.75B |
| Net cash from investing activities | -€158.0M | -€206.0M |
| Net cash from financing activities | -€3.63B | -€12.11B |
| Dividends paid | €644.0M | €667.0M |
| Net change in cash | -€20.31B | -€6.79B |
| Balance sheet | ||
| Total assets | €638.89B | €629.25B |
| Property, plant & equipment | €3.93B | €4.11B |
| Intangible assets & goodwill | €650.0M | €689.0M |
| Cash & equivalents | €62.77B | €84.87B |
| Total equity | €55.85B | €53.44B |
| Non-controlling interests | €639.0M | €621.0M |
| Deferred tax liabilities | €276.0M | €212.0M |
| Derived metrics | ||
| Net margin | 30.2% | 32.0% |
| Return on equity | 8.9% | 9.7% |
| Cash conversion ratio | -3.33× | 1.07× |
| Other reported items | ||
| Adjustments For Decrease Increase In Derivative Financial Assets | €3.81B | -€1.44B |
| Adjustments For Decrease Increase In Financial Assets At Fair Value Through Profit Or Loss Mandatorily Measured At Fair Value | €151.0M | -€397.0M |
| Adjustments For Decrease Increase In Financial Assets Held For Trading | -€384.0M | €2.79B |
| Adjustments For Decrease Increase In Loans and Advances To Banks | -€6.02B | -€579.0M |
| Adjustments For Decrease Increase In Loans and Advances To Customers | -€18.59B | -€15.68B |
| Adjustments For Decrease Increase In Other Assets | €293.0M | -€105.0M |
| Adjustments For Depreciation and Amortisation Expense | €286.0M | €327.0M |
| Adjustments For Fair Value Gains Losses | -€895.0M | -€778.0M |
| Adjustments For Gain Loss On Disposal of Investments In Subsidiaries Joint Ventures and Associates | €1.0M | €0 |
| Adjustments For Gain Loss On Disposals Property Plant and Equipment | -€1.0M | -€11.0M |
| Adjustments For Impairment Loss Reversal of Impairment Loss Recognised In Profit Or Loss Property Plant and Equipment | €0 | -€3.0M |
| Adjustments For Increase Decrease In Deposits From Banks | -€2.23B | -€3.38B |
| Adjustments For Increase Decrease In Deposits From Customers | €22.47B | €20.06B |
| Adjustments For Increase Decrease In Derivative Financial Liabilities | -€4.51B | €1.94B |
| Adjustments For Increase Decrease In Financial Liabilities Held For Trading | €187.0M | -€198.0M |
| Adjustments For Increase Decrease In Other Liabilities | -€117.0M | €175.0M |
| Adjustments For Provisions | €90.0M | €110.0M |
| Adjustments For Undistributed Profits of Investments Accounted For Using Equity Method | €370.0M | €464.0M |
| Cash and Bank Balances At Central Banks | €62.77B | €84.87B |
| Cash Flows From Losing Control of Subsidiaries Or Other Businesses Classified As Investing Activities | €0 | €0 |
| Cash Flows Used In Obtaining Control of Subsidiaries Or Other Businesses Classified As Investing Activities | €35.0M | €97.0M |
| Comprehensive Income Attributable To Noncontrolling Interests | €18.0M | €64.0M |
| Current Tax Assets | €166.0M | €148.0M |
| Current Tax Liabilities | €273.0M | €529.0M |
| Debt Securities | €110.94B | €116.76B |
| Deferred Tax Assets | €769.0M | €933.0M |
| Deposits From Banks | €10.22B | €12.45B |
| Deposits From Customers | €433.90B | €411.44B |
| Derivative Financial Assets | €19.62B | €23.43B |
| Derivative Financial Liabilities | €12.86B | €17.38B |
| Dividends Received Classified As Operating Activities | €108.0M | €102.0M |
| Effect of Exchange Rate Changes On Cash and Cash Equivalents | -€1.79B | €1.13B |
| Equity and Liabilities | €638.89B | €629.25B |
| Fee and Commission Expense | €402.0M | €362.0M |
| Fee and Commission Income | €2.83B | €2.66B |
| Fee and Commission Income Expense | €2.43B | €2.30B |
| Financial Assets At Fair Value Through Other Comprehensive Income | €29.55B | €18.82B |
| Financial Assets At Fair Value Through Profit Or Loss Classified As Held For Trading | €3.02B | €1.74B |
| Financial Assets At Fair Value Through Profit Or Loss Mandatorily Measured At Fair Value | €3.02B | €3.17B |
| Financial Liabilities At Fair Value Through Profit Or Loss Classified As Held For Trading | €464.0M | €277.0M |
| Financial Liabilities At Fair Value Through Profit Or Loss Designated As Upon Initial Recognition | €2.06B | €2.57B |
| Gain Loss Arising From Derecognition of Financial Assets Measured At Amortised Cost | €8.0M | €11.0M |
| Gains Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax | -€40.0M | -€91.0M |
| Gains Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income Net of Tax | €210.0M | -€22.0M |
| General and Administrative Expense | €2.12B | €2.02B |
| Increase Decrease Through Transfers and Other Changes Equity | -€3.0M | -€58.0M |
| Interest Expense | €12.56B | €14.94B |
| Interest Paid Classified As Operating Activities | €12.73B | €13.69B |
| Interest Received Classified As Operating Activities | €24.52B | €26.86B |
| Interest Revenue Calculated Using Effective Interest Method | €24.32B | €26.71B |
| Interest Revenue Expense | €12.00B | €12.06B |
| Investment Accounted For Using Equity Method | €2.31B | €2.06B |
| Investment Property | €1.19B | €917.0M |
| Issued Capital | €10.89B | €11.88B |
| Liabilities | €583.03B | €575.81B |
| Loans and Advances To Banks | €33.05B | €27.04B |
| Loans and Advances To Customers | €472.32B | €454.49B |
| Miscellaneous Other Operating Expense | €1.53B | €1.64B |
| Miscellaneous Other Operating Income | €2.04B | €2.07B |
| Noncurrent Assets Or Disposal Groups Classified As Held For Sale | €112.0M | €142.0M |
| Other Adjustments For Noncash Items | €635.0M | €568.0M |
| Other Assets | €6.40B | €6.70B |
| Other Comprehensive Income | -€903.0M | €366.0M |
| Other Comprehensive Income Net of Tax Cash Flow Hedges | -€25.0M | -€5.0M |
| Other Comprehensive Income Net of Tax Change In Fair Value of Financial Liability Attributable To Change In Credit Risk of Liability | -€4.0M | -€12.0M |
| Other Comprehensive Income Net of Tax Change In Value of Foreign Currency Basis Spreads | -€109.0M | €126.0M |
| Other Comprehensive Income Net of Tax Exchange Differences On Translation | -€1.01B | €316.0M |
| Other Comprehensive Income Net of Tax Gains Losses From Investments In Equity Instruments | €10.0M | -€32.0M |
| Other Comprehensive Income Net of Tax Gains Losses On Remeasurements of Defined Benefit Plans | €4.0M | €3.0M |
| Other Inflows Outflows of Cash Classified As Operating Activities | -€4.40B | €2.82B |
| Other Liabilities | €5.58B | €5.70B |
| Other Operating Income Expense | €516.0M | €424.0M |
| Proceeds From Issue of Bonds Notes and Debentures | €40.45B | €48.31B |
| Proceeds From Issue of Subordinated Liabilities | €0 | €0 |
| Proceeds From Sales of Interests In Associates | €75.0M | €66.0M |
| Provisions | €442.0M | €594.0M |
| Purchase of Interests In Associates | €24.0M | €32.0M |
| Repayments of Bonds Notes and Debentures | €40.98B | €58.06B |
| Repayments of Subordinated Liabilities | €1.45B | €703.0M |
| Share of Other Comprehensive Income of Associates and Joint Ventures Accounted For Using Equity Method That Will Be Reclassified To Profit Or Loss Net of Tax | €3.0M | €14.0M |
| Share of Other Comprehensive Income of Associates and Joint Ventures Accounted For Using Equity Method That Will Not Be Reclassified To Profit Or Loss Net of Tax | €20.0M | -€22.0M |
| Share of Profit Loss of Associates and Joint Ventures Accounted For Using Equity Method | €370.0M | €464.0M |
| Subordinated Liabilities | €6.01B | €7.91B |
Methodology
Every line item above is a fact tagged in Coöperatieve Rabobank U.A.'s annual report
filed in the European Single Electronic Format (ESEF) under the IFRS
taxonomy (ifrs-full) — the income statement, balance sheet
and cash-flow statement as the filer reported them. Values are shown
as-is, in the reporting currency (EUR), without
rescaling; the row labels map to the underlying concept name (e.g.
Revenue → ifrs-full:Revenue, Operating profit →
ifrs-full:ProfitLossFromOperatingActivities, Diluted EPS →
ifrs-full:DilutedEarningsLossPerShare), and any concept
without a curated label is shown under “Other reported items” with its
de-camel-cased tag name. Only consolidated, default-member facts are
shown (segment / dimensional breakdowns are excluded).
“Derived metrics” (free cash flow, margins, ROE, …) are computed from those facts by the same model the U.S. financials pages use — not tagged by the filer.
Source: machine-readable OIM xBRL-JSON aggregated by filings.xbrl.org (XBRL International). Entity identity is resolved by LEI via the public-domain GLEIF register. This is reference data, not investment advice.