ING Direct 2008 Annual Report Download - page 113
Download and view the complete annual report
Please find page 113 of the 2008 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
-
184
-
185
-
186
-
187
-
188
-
189
-
190
-
191
-
192
-
193
-
194
-
195
-
196
-
197
-
198
-
199
-
200
-
201
-
202
-
203
-
204
-
205
-
206
-
207
-
208
-
209
-
210
-
211
-
212
-
213
-
214
-
215
-
216
-
217
-
218
-
219
-
220
-
221
-
222
-
223
-
224
-
225
-
226
-
227
-
228
-
229
-
230
-
231
-
232
-
233
-
234
-
235
-
236
-
237
-
238
-
239
-
240
-
241
-
242
-
243
-
244
-
245
-
246
-
247
-
248
-
249
-
250
-
251
-
252
-
253
-
254
-
255
-
256
-
257
-
258
-
259
-
260
-
261
-
262
-
263
-
264
-
265
-
266
-
267
-
268
-
269
-
270
-
271
-
272
-
273
-
274
-
275
-
276
-
277
-
278
-
279
-
280
-
281
-
282
-
283
-
284
 |
 |
5 LOANS AND ADVANCES TO CUSTOMERS
Loans and advances to customers by insurance and banking operations
2008 2007
Insurance operations 25,681 27,576
Banking operations 601,638 528,540
627,319 55 6,116
Eliminations –7,528 –3,152
619,791 552,964
Loans and advances to customers by type – insurance operations
2008
Netherlands
2007 2008
International
2007 2008
Total
2007
Policy loans 52 54 2,908 3,414 2,960 3,468
Loans secured by mortgages 6,804 8,532 8,789 8,772 15,593 17,30 4
Personal loans 3,210 2,851 2,058 2,602 5,268 5,453
Other 309 378 1,610 1,003 1,919 1,381
10,375 11,815 15,365 15,791 25,740 27,60 6
Loan loss provisions –27 –14 –32 –16 –59 –30
10,348 11,8 01 15,333 15,775 25,681 27,576
Loans and advances to customers by type – banking operations
2008
Netherlands
2007 2008
International
2007 2008
Total
2007
Loans to, or guaranteed by, public authorities 16,288 14,678 10,099 8,961 26,387 23,639
Loans secured by mortgages 158,861 141,314 145,090 132,614 303,951 273,928
Loans guaranteed by credit institutions 295 1,951 253 591 548 2,542
Personal lending 7,158 6,975 20,389 17, 78 4 27,547 24,759
Corporate loans 126,772 105,017 118,959 100,643 245,731 205,660
309,374 269,935 294,790 260,593 604,164 530,528
Loan loss provisions –761 –654 –1,765 –1,334 –2,526 –1,988
308,613 269,281 293,025 259,259 601,638 528,540
Loans and advances to customers analysed by subordination – banking operations
2008 2007
Non-subordinated 601,434 527, 34 4
Subordinated 204 1,196
601,638 528,540
As at 31 December 2008, Loans and advances to customers included receivables with regard to securities which have been acquired in
reverse repurchase transactions related to the banking operations amounting to EUR 964 million (2007: EUR 4,569 million).
No individual loan or advance has terms and conditions that materially affect the amount, timing or certainty of the consolidated cash
flows of the Group.
111
ING Group Annual Report 2008