Growing a better world together

In 2023, Rabobank celebrated its 125th anniversary as a cooperative bank. Since our foundation in 1898, we have been working together as a cooperative bank to create ever better solutions for everyone. The need to transform our economy and society into more sustainable ways of living and working has never been greater. We want to contribute to the transitions that are important to us and our stakeholders, now and in the future.

On this page we give an impression of the positive impact we try to make for our members, customers and the world around us. Our focus is on a future-proof food and energy system. With our knowledge, networks, products and services we help our customers to contribute to these transitions and work on our mission: growing a better world together.

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Our Figures in 2023

What's important to our customers and stakeholders is important to us. With our knowledge, networks, products and a contribution from our net profit, we have been enabling our members, customers, employees and partners to make a difference in society for 125 years.

Sustainable finance



2022: 31.4

Video Stefaan Decraene and Bas Brouwers about our 2023 annual results

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Sportend meisje rent juichent langs team

125 Years of Working Together and We're Still Learning

We realize that we are not there yet. Big changes never happen overnight: we learn every day from all our customers and two million members, partners and everyone else who looks at it differently. We are grateful for that. Because we believe that only together can we achieve better and better solutions.

Mensen rondom een moestuintje

Creating Impact Together

The good results in 2023 enable us to do even more for society. In 2023, Rabobank has made 400 million euros available to help customers, members and employees transition to a more sustainable future.

€40 million is allocated for the bank's annual cooperative dividend, through which we contribute to social and societal contributions to the local energy and food transitions, including through Rabo ClubSupport and the Rabo Foundation. The remaining €360 million is allocated for five additional cooperative initiatives, each addressing different challenges and needs.

Our Cooperative Initiatives

Cooperative Insulation Budget

We give mortgage customers with houses with energy label G or F free tailor-made energy advice and 1,000 euros to insulate their house.

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portret Stefaan Decraene

Our Cooperative Initiatives

Chair Managing Board Stefaan Decraene: "Thanks to solid business performance, our cooperative can do more for our customers, members and employees. It enables us to develop additional and new cooperative products and initiatives that support them to accelerate the transition of the energy and food system, both in the Netherlands and globally.”

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In 2023 we also have...


farmers supported with our Acorn program

400 million

allocated for cooperative sustainability initiatives


affordable and sustainable rental homes in 2030 by BPD Woningfonds (Housing Fund)

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Better World

Making the way we live and do business more sustainable is the challenge of our time. We know change is needed and we want to contribute to that. To us that means we act on climate, value nature and enable people.

We use our financial solutions, knowledge and networks to help customers transition to a sustainable future and help move ‘the system’ in a sustainable direction. We focus on contributing to accelerate the food- and energy transitions. This is because everyone needs food and energy, and both the food as well as the energy system currently is not future-proof.

Our Contribution to a Better World

Energy Cooperatives

The energy system in the Netherlands is facing a gigantic transformation. In addition to the switch from fossil fuels to renewable energy sources, the Dutch Climate Agreement also sets the ambition that 50% of renewable energy production in a region should be owned by the local community. Rabobank helps energy cooperatives in different ways. We have various ‘energy cooperative desks’ around the country. Furthermore, from our cooperative dividend we can make a development contribution for local energy projects.

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Groep mensen op een dak met zonnepanelen
Martijn Kwant en Stijn Vos

In Conversation about…

Martijn Kwant is Lead Energy Transition at Rabobank. Stijn Vos is entrepreneur who since 2015 has been CEO of Enstall, a company that develops rooftop mounting systems for solar panels. The main topic of the conversation is: How can we accelerate a successful energy transition?

Read the interview here
In gesprek over landbouw

In Conversation about…

Alex Datema is Rabobank's Director of Food & Agri and Roy Meijer is the chair of the NAJK, the organization that defends the interests of young farmers in the Netherlands. The main topic of the conversation is: Will Rabobank help me if I do not yet meet all the sustainability criteria?

Read the interview here
Mensen die praten om een tafel

Better Bank

Based on our cooperative mindset, we are always looking for sustainable and balanced growth. Not only for ourselves but also for our shareholders. Well-being of our employees is most important. We offer a place where everybody can work, develop and grow to reach their full potential. We believe that diverse and inclusive teams in the heart of the Rabobank is fundamental for our longterm succes.

Our Contribution to a Better Bank

Empowered Employees

We want our employees to realize results, add value for our customers, and contribute to our goals. That is only possible if we offer them the best environment for them to work, develop, and grow in: in short, if Rabobank is a great place to be. For us this means a safe and supporting place, where people feel valued and can reach their full potential. Creating such a place requires not only an effortless employee journey and clear roles and responsibilities, but also diverse and inclusive teams that work together.

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Twee vrouwen werken achter de laptop
2 mannen in een kas

Our Impact in 2023

There is great urgency to transform our economies and societies to more sustainable ways of living and working. From our cooperative mindset we aim to contribute to a better world by focusing on the transitions which matter to us and our stakeholders now and in the future.

By means of this Impact Report we intend to give our stakeholders an impression of how we endeavor to make a positive impact on the societies we serve and how we aim to contribute to the transitions we deem necessary.

Read the full report: Our Impact 2023