Net profit up 2% to EUR 2.8 billion Negative effects of credit crisis on net profit: EUR 0.7 billion in 2nd half of 2008 and EUR 0.5 billion in 1st half of 2008 One-off gains, including the sale of Alex and the consolidation of Bank BGZ Tier I ratio at 12.7% Return on equity 9.7% Equity up 7% to EUR 33.5 billion Income up 6%, operating expenses down 1%; efficiency ratio improved to 65.3% ⦠and, in a turbulent year for the financial sector, is there for its clients Private loan portfolio up 11% to EUR 408.6 billion Lending to Dutch SME sector up 21% to EUR 55.7 billion Amounts due to customers up 10% to EUR 304.2 billion Savings up 13% to EUR 114.7 billion Market share in savings increased to 43% and in mortgages to 30% http://www.rabobank.com/content/inv...abobank_keeps_up_strong_financial_results.jsp Not a single penny received from the government so far. How is this possible? A global bank that isnt bankrupt to the tune of billions of $? Really?