Rabobank Australia and New Zealand Group has recorded its sixth consecutive year of profit growth, posting a net profit after tax of A$277.8 million for 2015.  This represented an increase of 5.8 per cent ($15.3 million) on the previous year, the bank said in a media announcement yesterday.In particular, the 2015 results were down to strong performances in the bank's rural and retail businesses, characterised by volume growth and disciplined margin management, said Thos Gieskes, managing director for Rabobank Australia & New Zealand Group.Total income for the year to December 31, 2015 was up by 3.4 per cent on 2014, with revenue of $750.3 million, while total costs for the year remained almost flat (up 0.2 per cent on previous year) Provision charges reduced again in 2015 to $42.5 million (down by 10.1 per cent, year on year) leaving a total cost-to-income ratio of 42.2 per cent, down from 43.5 per cent in 2014.RANZG's total retail deposits - including its specialist online retail savings business RaboDirect - remained above $15 billion, but down 2.6 per cent on the previous year. The Country (rural) banking division of Rabobank's NZ operations once again achieved good growth against strong competition in 2015, Mr Gieskes said.  The division's revenue improved by 4.7 per cent on the previous year.The local Rabobank Australia & New Zealand results follow the recent announcement from global parent, cooperative Rabobank Group, of a net profit of €2.2 billion for 2015 (an improvement of 22 per cent).  The Group's Common Equity Tier 1 capital ratio was 13.5 per cent.