ING Direct 2013 Annual Report Download - page 13

Download and view the complete annual report

Please find page 13 of the 2013 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.

Page out of 424

  • 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
  • 285
  • 286
  • 287
  • 288
  • 289
  • 290
  • 291
  • 292
  • 293
  • 294
  • 295
  • 296
  • 297
  • 298
  • 299
  • 300
  • 301
  • 302
  • 303
  • 304
  • 305
  • 306
  • 307
  • 308
  • 309
  • 310
  • 311
  • 312
  • 313
  • 314
  • 315
  • 316
  • 317
  • 318
  • 319
  • 320
  • 321
  • 322
  • 323
  • 324
  • 325
  • 326
  • 327
  • 328
  • 329
  • 330
  • 331
  • 332
  • 333
  • 334
  • 335
  • 336
  • 337
  • 338
  • 339
  • 340
  • 341
  • 342
  • 343
  • 344
  • 345
  • 346
  • 347
  • 348
  • 349
  • 350
  • 351
  • 352
  • 353
  • 354
  • 355
  • 356
  • 357
  • 358
  • 359
  • 360
  • 361
  • 362
  • 363
  • 364
  • 365
  • 366
  • 367
  • 368
  • 369
  • 370
  • 371
  • 372
  • 373
  • 374
  • 375
  • 376
  • 377
  • 378
  • 379
  • 380
  • 381
  • 382
  • 383
  • 384
  • 385
  • 386
  • 387
  • 388
  • 389
  • 390
  • 391
  • 392
  • 393
  • 394
  • 395
  • 396
  • 397
  • 398
  • 399
  • 400
  • 401
  • 402
  • 403
  • 404
  • 405
  • 406
  • 407
  • 408
  • 409
  • 410
  • 411
  • 412
  • 413
  • 414
  • 415
  • 416
  • 417
  • 418
  • 419
  • 420
  • 421
  • 422
  • 423
  • 424

01/13 03/13 05/13 07/13 09/13 01/1411/13
140
70
80
90
100
110
120
130
One-year price development ING depositary receipts for shares
Index 1 January 2013 = 100
ING FTSE 300 Banks FTSE 300 Life Insurance
in percentages
United States 38
United Kingdom 19
Rest of Europe 12
France 11
Rest of World 9
Netherlands 6
Germany 5
Total 100
Geographical distribution of ING shares*
1 Who we are 2 Report of the Executive Board 3 Corporate governance 4 Consolidated annual accounts 5 Parent company annual accounts 6 Other information 7 Additional information
* Year-end 2013 figures, estimated on information provided by NASDAQ
OMX Corporate Solutions.
Pursuant to the Dutch Financial Supervision Act, shareholders and
holders of depositary receipts of ING Groep N.V. are required to
provide updated information on their holdings once they cross
threshold levels of 3%, 5%, 10%, 15%, 20%, 25%, 30%, 40%,
50%, 60%, 75% and 95%. ING Group is not aware of
shareholders, potential shareholders or investors with an interest
of3% of more in ING Group other than the ING Trust Office,
theING Continuity Foundation and Blackrock Inc.
INVESTOR RELATIONS
To receive press releases and other ING news, you can subscribe
tothe email service at www.ing.com. You can also download the
ING Investors and Media app on www.ing.com, which provides
access to the latest financial information and press releases both
online and offline.
INVESTORS AND FINANCIAL ANALYSTS MAY CONTACT:
ING Group
Investor Relations (AMP C.03.049)
P.O. Box 1800
1000 BV Amsterdam
The Netherlands
Telephone: +31 20 576 6396
E-mail: investor.relations@ing.com
Main credit ratings of ING (1)
Standard
& Poor’s Moody’s Fitch
Rating Outlook Rating Outlook Rating Outlook
ING GROEP N.V. A- Stable A3
Negative
A
Negative
ING BANK N.V. AStable A2
Negative
A+
Negative
– short term A-1 -Prime-1 -F1+
NN Group N.V. BBB+ Stable Baa2
Negative
A-
Negative
– short term A-2 -Prime-2 -F2 -
(1) Still valid on 17 March 2014, the date of this Annual Report.
ING’s short and long-term credit ratings are shown in the table above.
Each of these ratings reflects only the view of the applicable rating
agency at the time the rating was issued, and any explanation of the
significance of a rating may be obtained only from the rating agency.
A security rating is not a recommendation to buy, sell or hold securities
and each rating should be evaluated independently of any other rating.
There is no assurance that any credit rating will remain in effect for any
given period of time or that a rating will not be lowered, suspended or
withdrawn entirely by the rating agency if, in the rating agency’s
judgment, circumstances so warrant. ING accepts no responsibility for
the accuracy or reliability of the ratings.
ING´s score (out of 100) /ranking
Reviewer 2013 2012
Dow Jones
Sustainability Indices
(RobecoSAM )
Score: 76
Position: Included in
the DJSI World Index
and the DJSI Europe
Index
Score: 69
Position: Not included
in World Index and
Europe Index
CDP Score: 96 for disclosure
B for performance
Position: Included
Score: 93 for disclosure
B for performance
Position: Included
FTSE4Good Index
Series (EIRIS)
Score: 3.8 out of 5
Position: Included
Score: 3.8 out of 5
Position: Included
Euronext Vigeo Europe
120 Index (Vigeo)
Score: 53
Position: Included
Score: not disclosed
Position: Included
Sustainalytics Score: 75
Position: 6 out of 196
peers
Score: 77
Position: 3 out of 148
peers
REVIEWS OF ING’S SUSTAINABILITY PERFORMANCE
ING Group’s approach to sustainability is shaped by our specific skills
and expertise as a financial company, our vision of the future and the
expectations of our stakeholders. Reviews of our performance by
sustainability research and rating agencies help us to improve our
strategy and policies. ING’s 2013 scores and assessments for some of
the key sustainability benchmarks and service providers are as follows:
For more details on ING’s sustainability performance and
assessments please refer to INGs Sustainability Report 2013.
11ING Group Annual Report 2013
IMPORTANT DATES IN 2014*
Publication results 1Q 2014
Wednesday, 7 May 2014, 7:00 am
Annual General Meeting
Monday, 12 May 2014
Publication results 2Q 2014
Wednesday, 6 August 2014, 7:00 am
Publication results 3Q 2014
Wednesday, 5 November 2014, 7:00 am
* All dates shown are provisional.