Market leadership in the Dutch all-finance market is the main goal. In addition to the mass market for banking services to private individuals, small and medium-sized enterprises and the agricultural sector - where Rabobank Group is the clear market leader - growth opportunities remain in the top end of the private and corporate markets. Further, Rabobank Group focuses on the 'segments of the future', i.e. large cities, young people and ethnic minorities. The insurance, investment, consumer credit and real estate product markets likewise still offer opportunities for further growth.
Domestic retail banking: responding to a changing environment
Rabobank leverages its distribution strength as the 'near-by bank' of the Netherlands, not just physically but also - and increasingly - via such distribution channels as the Internet, television and mobile phones. Because Rabobank wishes to remain in the forefront, it continues its investment efforts for these new forms of distribution. Responding to differences in client segments and geographical differences by tailored market strategies with distinct labels and distribution channels.
The goals of the Rabobank 2010 project, which was started in 2007, are to increase the commercial effectiveness of the local Rabobanks further, to serve customers better and faster and to increase efficiency. In doing so, Rabobank anticipates on changing market and client needs, while at the same time ensuring its long-term continuity. With the Rabobank 2010 project, Rabobank will remain a bank that excels in both service level and speed of response. Much use will be made of the integration of all modern distribution channels, including the websites of the local Rabobanks, RaboTV and Rabo Mobiel. Finally, Internet concepts such as Bizner and Freo are aimed at target groups that were previously more difficult to reach for the local Rabobanks.