荷蘭合作銀行rabobank
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特色服務: 長期活動:
Rabobank Group is an international financial services provider operating on the basis of cooperative principles. It offers retail banking, wholesale banking, asset management, leasing and real estate services. Focus is on all-finance services in the Netherlands and on retail and wholesale banking, and food & agri internationally.
The organisation, which has more than 60,000 employees (in FTEs), operates in 43 countries. Rabobank Group is comprised of independent local Rabobanks plus Rabobank Nederland, their central organisation, and its (internationally based) subsidiaries. Conditioned by its cooperative roots, the nature of Rabobank Group is characterised by strong mutual relationships. Rabobank Group has the highest credit rating, awarded by the well-known international rating agencies Standard & Poor’s, Moody’s and Dominion Bond Rating Service. In terms of Tier 1 capital, the organisation is among the world’s twenty largest financial institutions.
Local Rabobanks, Rabobank Nederland and Rabobank International
The 161 independent local Rabobanks, which have a staff base of nearly 29,000 people, form the densest banking network in the Netherlands. Rabobank boasts more than 1,100 branches and upwards of 3,100 cash-dispensing machines. The local Rabobanks serve seven million Dutch private individuals and corporate clients, offering a full range of financial services. The local Rabobanks, their members and their clients make up Rabobank Group’s cooperative core business. Being at the heart of society, they are committed, nearby and trendsetting in their service offering. Clients can become members of their local Rabobank. The local Rabobanks, for their part, are members and shareholders of Rabobank Nederland, the supralocal cooperative organisation that advises the banks and supports their local services. Rabobank Nederland also supervises, on behalf of the Dutch Central Bank, the solvency, liquidity and internal control structure of the local Rabobanks. Rabobank Nederland acts as the holding company of a number of specialist subsidiaries, both in the Netherlands and abroad. Rabobank International – the wholesale banking and international retail banking divisions of Rabobank Group – has more than 15,000 employees (in FTEs) globally, serving its clients from 28 countries.
荷蘭合作銀行又稱拉博銀行。荷蘭農業合作銀行(RABO BANK NEDERL-ANDS),是由荷蘭數家農村信用社于1973年合并而成,是農民自己的合作銀行,主要從事農業、農業機械和食品工業等行業的金融交易。是荷蘭的第2大銀行,在世界各大銀行中居第31位,目前荷蘭農業合作銀行已在北京、上海等地設有辦事處,在中國已經與浙江、天津兩地的農村金融機構進行了合作。荷蘭合作銀行已成功入股杭州聯合銀行,另外,還有意與遼甯農村信用社結盟,目前雙方已正式簽署了合作協議。荷蘭合作銀行的兩大特點,一是資産質量高,二就是合作制的運作模式。
荷蘭合作銀行已經連續20多年獲得了标準普爾(1984年至今)及穆迪(1985年至今)的AAA評級。2005年的資産總額達5060億歐元,純利潤約為21億歐元,核心資本比率11.6%,股本回報率9.1%。目前,集團在全球37個國家設有1516個分支機構,員工達51000人,私人及企業客戶達900萬名,在荷蘭擁有150萬名會員。 荷蘭合作銀行自2001年連續被全球金融雜志評為全球十大最安全的銀行之一,根據2005年瑞士資産管理調查,荷蘭合作銀行被評為歐洲最具持續發展力的銀行,并在環球金融機構中名列第二。荷蘭合作銀行能夠取得今天這樣的業績,我們認為合作制的制度安排、精選業務領域、低風險的資産組合和強有力的資本基礎、注重自身内部的成長等因素,确實是發揮了非常大的作用。