Dit prospectus is gemaakt voor de uitgifte van dit product en ... - Iex

Residential mortgages: At 30 June 2009, Rabobank Group had a market share of 30.1 per cent. of new homemortgages in the Dutch mortgage market by value (26.8 per cent. by local Rabobanks and 3.3 per cent. byObvion; source: Dutch Land Registry Office (Kadaster)). Rabobank Group is the largest mortgage-lendinginstitution in the Netherlands.Savings deposits of individuals: At 30 June 2009, Rabobank Group had a 39.5 per cent. market share in theDutch savings market (source: Statistics Netherlands (Centraal Bureau voor de Statistiek)). Rabobank Groupis the largest savings institution in the Netherlands measured as a percentage of the amount of saving deposits.Of the total saving deposits in the Netherlands, 37.8 per cent. are held by the local Rabobanks and 1.7 percent. are held by Robeco’s savings bank Roparco.Lending to small and medium-sized enterprises: At 30 June 2009, Rabobank Group had a 41 per cent. marketshare of domestic loans to the trade, industry and services sector (i.e. small enterprises with fewer than 100employees; measured by its own surveys). Rabobank Group is the leader in loans to the Dutch agriculturalsector and in the small and medium-sized business sector.Agricultural loans: At 31 December 2008, Rabobank Group had an 84 per cent. market share of loans andadvances made by banks to the Dutch primary agricultural sector (measured by its own surveys).PropertiesRabobank Nederland and the local Rabobanks typically own the land and buildings used in the ordinarycourse of their business activities in the Netherlands. Outside the Netherlands, some of Rabobank Groupentities also own the land and buildings used in the ordinary course of their business activities. In addition,Rabobank Group’s investment portfolio includes investments in land and buildings. Management believes thatRabobank Group’s facilities are adequate for its present needs in all material respects.InsuranceOn behalf of all entities of Rabobank Group, Rabobank has taken out a group policy that is customary for thefinancial industry. Management is of the opinion that this insurance, which is banker’s blanket andprofessional indemnity, is of an adequate level.Legal proceedingsRabobank Group is involved in governmental, litigation and arbitration proceedings in the Netherlands and inforeign jurisdictions, including the United States, involving claims by and against Rabobank Group whicharise in the ordinary course of its businesses, including in connection with Rabobank Group’s activities as aninsurer, lender, employer, investor and taxpayer during a period covering at least the previous 12 months.While it is not feasible to predict or determine the ultimate outcome of all pending or threatened proceedingsand litigation, the Issuer believes that the ultimate outcome of the various proceedings and litigation alreadycommenced, and/or any future proceedings and litigation, will not have a material adverse or significant effecton Rabobank Group’s financial condition or profitability, given its size, robust balance sheet, stable incomestream and prudent provisioning policy.248