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(in millions of euro)BanksPublicauthorities Private sector TotalUnited Kingdom ......................................... 18,042 102 13,492 31,636Switzerland ................................................. 4,686 220 1,924 6,830United States .............................................. 6,634 9,787 67,848 84,269Spain ........................................................... 2,610 1,048 3,007 6,665Japan ........................................................... 4,838 8,371 435 13,644Australia ..................................................... 960 895 10,747 12,602At 31 December 2006France ......................................................... 3,964 1,208 6,486 11,658Germany ..................................................... 6,868 4,319 6,271 17,458Ireland ........................................................ 2,410 359 9,965 12,734United Kingdom ......................................... 24,617 64 20,365 45,046United States .............................................. 11,351 9,156 83,538 104,044Spain ........................................................... 3,066 1,474 2,024 6,564Japan ........................................................... 4,708 9,290 830 14,828Australia ..................................................... 1,306 881 9,014 11,201Loan portfolioOne of the principal factors influencing the quality of the earnings and the loan portfolio is diversification ofloans, e.g. by industry or by region. In 2005, the North America Industry Classification System (“NAICS”)was introduced as the leading system to classify industries for Rabobank Group. NAICS distinguishes a largenumber of sectors, subsectors and industries.The following table is based on data according to NAICS and represents the loan portfolio of Rabobank Grouploans by main sector at 31 December 2008:At 31 December 2008Food and Agri(in millions of euro) On balance Off balance TotalOilseed and grain......................................................... 8,981 428 9,409Fruit and vegetables..................................................... 8,283 97 8,380Sugar............................................................................ 1,874 85 1,959Animal protein............................................................. 12,792 188 12,980Dairy............................................................................ 11,692 165 11,858Farm inputs.................................................................. 4,637 197 4,834Beverages .................................................................... 3,046 74 3,120Food retail and food services and drinking places....... 4,669 216 4,885Other food & agri ........................................................ 12,351 132 12,483Total Food and Agri................................................... 68,326 1,581 69,907279