ING Direct 2008 Annual Report Download - page 3

ING Group Annual Report 2008
1
In this report
2.1 Consolidated annual accounts
Consolidated balance sheet 84
Consolidated profit and loss account 85
Consolidated statement of cash flows 86
Consolidated statement of changes in equity 87
Accounting policies for the consolidated
balance sheet and profit and loss account 89
Accounting policies for the consolidated
statement of cash flows 106
Notes to the consolidated balance sheet 107
Additional information to the
consolidated balance sheet 139
Notes to the consolidated profit and loss account 162
Segment reporting 173
Notes to the consolidated statement of cash flows 179
Risk management 180
Capital management 229
Subsequent events 236
2.2 Parent company annual accounts
Parent company balance sheet 237
Parent company profit and loss account 238
Parent company statement of changes in equity 239
Accounting policies for the parent company
balance sheet and profit and loss account 240
Notes to the parent company balance sheet 241
2.3 Other information
Auditor’s report 245
Proposed appropriation of result and
Subsequent events 246
2.4 Additional information
Risk factors 247
RAROC performance 254
Additional Pillar 3 information for ING Bank only 255
Financial glossary 275
General information 281
1.1 Who we are
Composition of the Boards 2
Key figures 3
ING at a glance 4
Letter to stakeholders 6
Information for shareholders 7
1.2 Report of the Executive Board
Strategy 10
Financial highlights 13
Capital management 16
Risk management 20
Insurance Europe 25
Insurance Americas 28
Insurance Asia/Pacific 31
Wholesale Banking 34
Retail Banking 37
ING Direct 40
Asset management 43
Human resources 47
Corporate responsibility 49
1.3 Our governance
Report of the Supervisory Board 52
Corporate governance 55
Report of ING Trust Office 67
Report of ING Continuity Foundation 69
Conformity statement 70
Section 404 Sarbanes-Oxley Act 71
Remuneration report 73
Works councils 83