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The BIS ratio is calculated by dividing the total of Tier I and Tier II capital by the total of risk-weightedassets. At 30 June 2009, the BIS ratio came to 13.5 per cent. (2008: 13.0 per cent.). This exceeds the minimumrequirement set by the external supervisors of 8.0 per cent.The following table sets forth the risk-weighted capital ratios of Rabobank Group at 31 December 2008 and31 December 2007, in each case calculated under the Netherlands’ implementation of the relevant EUdirectives:Development in capital and solvency ratiosAt 31At 30 JuneDecember(amounts in millions of euro, except percentages) 2009 2008 2007Tier I capital 1 .................................................................... 31,178 30,358 28,518Tier I ratio 1 ........................................................................ 13.0% 12.7% 10.7%Qualifying capital 1 ............................................................ 32,273 30,912 29,190BIS ratio 1 .......................................................................... 13.5% 13.0% 10.9%Note:(1) Data for 2007 are based on Basel I requirements and data for 2008 have been based on the Basel II requirementswith effect from 1 January 2008.Selected statistical information*The following section discusses selected statistical information regarding Rabobank Group’s operations.Unless otherwise indicated, average balances are calculated based on monthly balances and geographic dataare based on the domicile of the customer. See “— Results of operations” for an analysis of fluctuations inRabobank Group’s results between periods.Return on equity and assetsThe following table presents information relating to Rabobank Group’s return on equity and assets for each ofthe past three years:2008 2007 2006Return on assets 1 ........................................................ 0.47% 0.45% 0.43%Return on equity 2 ....................................................... 8.67% 8.81% 8.57%Equity to assets ratio 3 ................................................ 5.47 5.20 5.09Notes:(1) Net profit as a percentage of total average assets, based on month-end balances.(2) Net profit as a percentage of average equity, based on quarter-end balances.(3) Average equity divided by average total assets, based on quarter-end balances.275