2010_Annual_Report_ING_Group

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1、INGGroupAnnualReport2010Shapingourfuture>INGposts2010underlyingnet profitofEUR3,893million>OperationalseparationBankandInsurereffectuatedin2010>Mainpriorities:creationofstrongbusinessesandrepaymentoftheDutchStatewhenprudentandpossible>Basecasescenario:divestmentofInsurancethroughtwoIPOs>Steeringo

2、nsoundfinancialperformance,increasedcustomerfocus,operationalexcellenceandgoodcorporatecitizenship2INGGroupAnnualReport2010Contents1WhoweareKeyfigures4INGataglance6Chairman’sstatement8INGshare102ReportoftheExecutiveBoardINGandthefinancialenvironment12Strategy16Corporateresponsibility19Capitalmanage

3、ment22Riskmanagement23Humanresources24Bankingoverview26–RetailBanking29–CommercialBanking37Insuranceoverview41–Insurance43–Investmentmanagement523CorporategovernanceReportoftheSupervisoryBoard55Corporategovernance59ReportofINGTrustOffice71ReportofINGContinuityFoundation74Conformitystatement75Sect

4、ion404Sarbanes-OxleyAct76Remunerationreport78Workscouncils864ConsolidatedannualaccountsConsolidatedbalancesheet88Consolidatedprofitandlossaccount89Consolidatedstatementofcomprehensiveincome90Consolidatedstatementofcashflows91Consolidatedstatementofchangesinequity92Accountingpoliciesfortheconsolida

5、tedannualaccounts94Notestotheconsolidatedannualaccounts112Riskmanagement203Capitalmanagement249Subsequentevents2555ParentcompanyannualaccountsParentcompanybalancesheet256Parentcompanyprofitandlossaccount257Parentcompanystatementofchangesinequity258Accountingpoliciesfortheparentcompanyannualaccoun

6、ts259Notestotheparentcompanyannualaccounts2606OtherinformationIndependentauditor’sreport266ProposedappropriationofresultandSubsequentevents2677AdditionalinformationRiskfactors268Financialglossary282Generalinformation289INGGroupAnnualReport201031WhoweareKeyfiguresINGGroupinaccordancewithIFRS-EUinE

7、URmillionunlessotherwiseindicated20102009200820072006IncomeBankingoperations17,73412,29311,66214,60214,195Insuranceoperations37,48835,80854,92062,20859,642Intercompanyeliminations335336291223216Total54,88747,76566,29176,5867