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agricultural market. Structured Finance offers client-tailored products aimed at both the asset and liabilitysides of the balance sheet. The Renewable Energy & Infrastructure Finance department operates in thesustainable energy sectors of wind, solar, bio fuels and biomass. The Trade & Commodity Finance departmentserves clients that operate in the market for agricultural products and, on a limited scale, other commodities aswell. This department also offers a large number of export finance products. Direct Banking services clientswith saving products in Belgium, Australia, Ireland and New Zealand.Rabobank’s retail activities are performed under the Rabobank label, with the exception of the IrishACCBank, which is a wholly-owned subsidiary, and the Polish Bank BGZ, in which Rabobank Internationalhas a 59 per cent. stake.Over the last few years, Rabobank International has strengthened its position in retail banking. It expanded itsactivities in the United States by acquiring Community Bank of Central California in 2006 and Mid-StateBank & Trust in 2007. In 2008, Rabobank International increased its 46 per cent. stake in the Polish BankBGZ to a majority interest of 59 per cent. Smaller acquisitions of retail banking activities were made in Chileand Indonesia in 2007.In addition, Rabobank International has interests in private equity. Under the Rabo Participaties and RaboCapital labels, Rabobank Group’s investment unit, Rabo Private Equity, focuses on medium-sized Dutchenterprises. Its Rabo Ventures label focuses on new enterprises in the clean technology sector. Rabobank alsoparticipates in independent private equity enterprises such as Langholm and a number of Gilde funds.At 30 June 2009, Rabobank Group’s wholesale and international retail banking operations had total assets of€ 419.8 billion and a private sector loan portfolio of € 99.6 billion. For the six months ended 30 June 2009,Rabobank Group’s wholesale and international retail banking operations accounted for 28 per cent., or€ 1,777 million, of Rabobank Group’s total income and 33 per cent., or € 428 million, of Rabobank Group’snet profit. At 30 June 2009, Rabobank Group’s wholesale and international retail banking operations had15,211 full-time employees.Asset management and investmentRabobank Group’s asset management business is handled by Robeco Groep N.V. (“Robeco”), an assetmanager with global operations, as well as by the Swiss private bank Sarasin and by Schretlen & Co, theDutch private bank. Rabobank Group has a 46 per cent. stake in Sarasin and a voting share of 69 per cent.At 30 June 2009, the assets managed and held in custody of Rabobank Group’s asset management andinvestment operations amounted € 194.7 billion. For the six months ended 30 June 2009, Rabobank Group’sasset management and investment operations accounted for 7 per cent., or € 455 million, of Rabobank Group’stotal income and they realised a net loss of € 9 million. At 30 June 2009, Rabobank Group’s assetmanagement and investment operations had 3,515 full-time employees.Robeco Groep N.V.Robeco was founded in Rotterdam in 1929. It provides investment products and services to approximately 700institutional and approximately 1.5 million private clients around the world. Services to private individuals areprovided both through banks and other distribution partners, and through direct channels. Robeco’s productrange includes equity and fixed-income investments, money market and real estate funds, sustainable andsocially responsible investments, as well as alternative investments, including private equity, hedge funds andstructured products. In addition to its home markets in the Netherlands and the United States, Robeco operatesin Europe, Asia and the Middle East.241