ING Direct 2004 Annual Report Download - page 129
Download and view the complete annual report
Please find page 129 of the 2004 ING Direct annual report below. You can navigate through the pages in the report by either clicking on the pages listed below, or by using the keyword search tool below to find specific information within the annual report.-
1 -
2
-
3
-
4
-
5
-
6
-
7
-
8
-
9
-
10
-
11
-
12
-
13
-
14
-
15
-
16
-
17
-
18
-
19
-
20
-
21
-
22
-
23
-
24
-
25
-
26
-
27
-
28
-
29
-
30
-
31
-
32
-
33
-
34
-
35
-
36
-
37
-
38
-
39
-
40
-
41
-
42
-
43
-
44
-
45
-
46
-
47
-
48
-
49
-
50
-
51
-
52
-
53
-
54
-
55
-
56
-
57
-
58
-
59
-
60
-
61
-
62
-
63
-
64
-
65
-
66
-
67
-
68
-
69
-
70
-
71
-
72
-
73
-
74
-
75
-
76
-
77
-
78
-
79
-
80
-
81
-
82
-
83
-
84
-
85
-
86
-
87
-
88
-
89
-
90
-
91
-
92
-
93
-
94
-
95
-
96
-
97
-
98
-
99
-
100
-
101
-
102
-
103
-
104
-
105
-
106
-
107
-
108
-
109
-
110
-
111
-
112
-
113
-
114
-
115
-
116
-
117
-
118
-
119 -
120 -
121 -
122 -
123 -
124 -
125 -
126 -
127 -
128 -
129 -
130 -
131 -
132 -
133 -
134 -
135 -
136 -
137 -
138 -
139 -
140
-
141
-
142
-
143
-
144
-
145
-
146
-
147
-
148
-
149
-
150
-
151
-
152
-
153
-
154
-
155
-
156
-
157
-
158
-
159
-
160
-
161
-
162
-
163
-
164
-
165
-
166
-
167
-
168
-
169
-
170
-
171
-
172
-
173
-
174
-
175
-
176
-
177
-
178
-
179
-
180
-
181
-
182
-
183
 |
 |
ING Group Annual Report 2004 127
OPERATING SEGMENTS OF ING GROUP
Insurance Insurance Insurance Wholesale Retail Total Recon- Total
Europe Americas Asia/Pacific banking banking ING Direct Other segments ciliation Group
2002
Total operating income:
Income - external 15,577 35,037 8,770 5,545 4,754 485 465 70,633 70,633
Income - inter-segment 132 313 8 220 60 133 -27 839 -839
15,709 35,350 8,778 5,765 4,814 618 438 71,472 -839 70,633
Segment operating
profit before tax(1) 1,296 1,430 574 596 1,023 -48 -233 4,638 4,638
Segment assets 90,713 131,497 22,514 310,331 123,575 63,099 14,509 756,238 -39,868 716,370
Segment liabilities 85,210 127,119 20,675 301,618 119,827 61,799 -1,556 714,692 -20,681 694,011
Average number
of employees(2) 16,534 27,308 7,592 26,253 32,857 2,512 113,056 113,056
(1) For a reconciliation of the segment operating profit before tax (Total Group) to the Consolidated Financial Statements reference is made to page 118.
(2) The average numbers of employees of joint ventures are included proportionally.
INTEREST INCOME (EXTERNAL) AND INTEREST EXPENSE (EXTERNAL) BREAKDOWN PER BUSINESS LINES
Insurance Insurance Insurance Wholesale Retail Total
Europe Americas Asia/Pacific banking banking ING Direct Other Group
2004
Interest income 3,313 4,171 642 11,560 7,832 6,141 167 33,826
Interest expense 126 320 5 6,955 4,491 5,077 905 17,879
3,187 3,851 637 4,605 3,341 1,064 -738 15,947
2003
Interest income 3,214 4,282 570 12,003 7,449 4,273 310 32,101
Interest expense 129 276 10 7,241 4,568 3,689 1,065 16,978
3,085 4,006 560 4,762 2,881 584 -755 15,123
2002
Interest income 2,822 5,561 565 12,958 7,995 2,626 349 32,876
Interest expense 613 508 8 7,966 5,902 2,208 542 17,747
2,209 5,053 557 4,992 2,093 418 -193 15,129