Extremely sound and stable business and financial profiles; Strong asset quality; and Conservative management. Limited growth opportunities in the Dutch domestic market; and Strategic challenges in diversifying, while seeking to maintain the traditional risk and earnings profile. The ratings on Rabobank Nederland--the trading name of Coöperatieve Centrale Raiffeisen-Boerenleenbank b.a.--and its subsidiaries reflect the group's extremely sound business and financial profiles, and low risk profile. Rabobank Nederland continues to work to bolster its strong market position in The Netherlands, despite tight competition and a subdued economic environment. It is also focusing on improving its operating performance, limiting the cost of risk to very low levels, and maintaining high capitalization. The main challenge for Rabobank Nederland, however, is to find ways to
