ING Direct 2009 Annual Report Download - page 291

Cumulative Provisions by economic sector
Central
Governments
and Central
Banks Institutions Corporate
Residential
mortgages Other retail Total 2009 Total 2008
Automotive 119 17 136 103
Builders & Contractors 290 65 355 217
Chemicals, Health & Pharmaceuticals 72 12 84 45
Commercial Banks 59 19 179 106
Food, Beverages & Personal Care 246 49 295 185
General Industries 359 48 407 226
Media 82 19 101 54
Natural Resources 129 6135 79
Non-Bank Financial Institutions 4180 12 196 87
Private Individuals 35 979 365 1,379 870
Real Estate 350 29 379 167
Retail 82 51 133 95
Services 194 71 265 136
Telecom 54 256 11
Transportation & Logistics 140 33 173 70
Other 3 2 152 69 226 160
Total 365 2,503 979 849 4,399 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)
Residential
mortgages Other retail Total 2009 Total 2008
Belgium 2,201 324 2,525 2,399
Netherlands 2,374 23 2,397 2,330
Australia 905 905 775
United States of America 454 454 585
Germany 272 10 282 258
Turkey 94 152 246 321
Canada 178 1179 137
Other 205 211 416 419
Total 6,683 721 7,404 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 150 million, and are grouped under Other.
Past due loans by economic sector (based on outstandings)
Residential
mortgages Other retail Total 2009 Total 2008
Private Individuals 6,683 373 7,056 6,868
Other 348 348 356
Total 6,683 721 7,404 7,224
* Includes both AIRB and SA portfolios; Excludes securitisations, equities and ONCOA.
* Excludes revaluations made directly through the equity account
Economic sectors not shown in above table have past due loans of less than EUR 150 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.
ING Group Annual Report 2009 289
Additional Pillar 3 information for ING Bank only (continued)
2.4 Additional information