ING Direct 2002 Annual Report Download - page 4
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CONTENTS
Mission, profile, strategy
10 years key figures, inside cover
2 MESSAGE FROM THE CHAIRMAN
5Structure and composition of the boards
6Information for shareholders
8 WORKING AT ING HOUSE
18 REPORT OF THE SUPERVISORY BOARD
22 REPORT OF THE EXECUTIVE BOARD
22 Financial highlights
26 Group strategy and outlook
28 ING Europe
34 ING Americas
38 ING Asia/Pacific
42 Asset Management
46 ING Direct
48 ING in Society
50 Human Resources
52 Risk management
57 FINANCIAL INFORMATION
57 Events after the balance-sheet date
57 Auditor’s report
58 Summary annual figures
69 Additional information
69 - RAROC
70 - Embedded value
73 - Capital base
75 - Efficiency ratios
75 - Credit ratings
76 CORPORATE GOVERNANCE
76 Recent developments
77 ING’s governance
79 - Information on members of the
Supervisory Board
80 - Information on members of the
Executive Board
81 - Remuneration Executive Board
85 - Remuneration Supervisory Board
86 - Stock option plan
89 Reports of the ‘Stichtingen’
91 Workers Councils and Advisory Council
Products and services, inside cover
Annual Report 2002 · ING Group