ING Direct 2008 Annual Report Download - page 265
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Cumulative Provisions by economic sector
2008
Central
governments
and central
banks Institutions Corporate
Residential
mortgages Other retail Total
Automotive 92 11 103
Builders & Contractors 183 34 217
Commercial Banks 106 106
Food, Beverages & Personal Care 149 36 185
General Industries 193 32 225
Media 41 13 54
Natural Resources 77 279
Non-Bank Financial Institutions 868 11 87
Private Individuals 554 316 870
Real Estate 134 33 167
Retail 37 58 95
Services 85 50 135
Transportation & Logistics 58 11 69
Other 4 2 118 95 219
Total 4116 1,235 554 702 2,611
Includes both AIRB and SA portfolios; Excludes securitisations, equities and ONCOA.
Excludes impairments made directly to the equity accounts.
The tables above should be read in conjunction with the corresponding tables below related to Past due loans by geographic area and
Past due loans by economic sector as well as information and statements in the annual accounts. Economic sectors not shown in above
table have cumulative provisions of less than EUR 50 million, and are grouped under Other.
Past due loans by geographic area (based on outstandings)
2008
Residential
mortgages Other retail Total
Belgium 2,128 271 2,399
Netherlands 2,293 37 2,330
Australia 775 775
United States of America 584 1585
Turkey 101 220 321
Germany 245 13 258
India 57 134 191
Other 251 114 365
Total 6,434 790 7,224
Includes both AIRB and SA portfolios; Excludes securitisations, equities and ONCOA.
Excludes revaluations made directly through the equity account.
Above presentation of the past due loans is based on country of the residence of the obligor. Countries not shown in above table have
past due loans of less than EUR 140 million, and are grouped under Other.
Past due loans by economic sector (based on outstandings)
2008
Residential
mortgages Other retail Total
Private Individuals 6,434 434 6,868
Other 356 356
Total 6,434 790 7,224
Includes both AIRB and SA portfolios; Excludes securitisations, equities and ONCOA.
Excludes revaluations made directly to the equity account.
Economic sectors not shown in above table have past due loans of less than EUR 75 million, and are grouped under Other.
The tables above should be read in conjunction with the corresponding tables below related to cumulative provisions by geographic area
and cumulative provisions by economic sector as well as information and statements in the annual accounts.
263
ING Group Annual Report 2008