ING Direct 2013 Annual Report Download - page 421

Disclaimer
Certain of the statements contained in this Annual Report are not
historical facts, including, without limitation, certain statements
made of future expectations and other forward-looking statements
that are based on management’s current views and assumptions and
involve known and unknown risks and uncertainties that could cause
actual results, performance or events to differ materially from those
expressed or implied in such statements. Actual results, performance
or events may differ materially from those in such statements due to,
without limitation: (1) changes in general economic conditions, in
particular economic conditions in ING’s core markets, (2) changes in
performance of financial markets, including developing markets, (3)
consequences of a potential (partial) break-up of the euro, (4) the
implementation of ING’s restructuring plan to separate banking and
insurance operations, (5) changes in the availability of, and costs
associated with, sources of liquidity such as interbank funding, as
well as conditions in the credit markets generally, including changes
in borrower and counterparty creditworthiness, (6) the frequency
and severity of insured loss events, (7) changes affecting mortality
and morbidity levels and trends, (8) changes affecting persistency
levels, (9) changes affecting interest rate levels, (10) changes
affecting currency exchange rates, (11) changes in investor, customer
and policyholder behaviour, (12) changes in general competitive
factors, (13) changes in laws and regulations, (14) changes in the
policies of governments and/or regulatory authorities, (15)
conclusions with regard to purchase accounting assumptions and
methodologies, (16) changes in ownership that could affect the
future availability to us of net operating loss, net capital and built-in
loss carry forwards, (17) changes in credit ratings, (18) ING’s ability to
achieve projected operational synergies and (19) the other risk
factors and uncertainties detailed in the Risk Factors section
contained in this Annual Report.
Any forward-looking statements made by or on behalf of ING speak
only as of the date they are made, and, ING assumes no obligation
to publicly update or revise any forward-looking statements,
whether as a result of new information or for any other reason.
General information
ING PUBLICATIONS
• Annual Report in English
• Annual Report on Form 20-F, in English
(in accordance with SEC guidelines)
• ING Bank Annual Report
• NN Group N.V. Annual Report
• ING Jaaroverzicht 2013
These publications are available on www.ing.com.
The publications can be ordered on the internet:
www.ing.com, button ‘Publications’,
by fax: [phone], or
by mail: P.O. Box 258,
5280 AG Boxtel,
the Netherlands.
This Annual Report contains the Reports of the Executive Board
and Supervisory Board as well as the Annual Accounts and Other
information for the financial year 2013 in their original language
(English).
ING Groep N.V.
Bijlmerplein 888, 1102 MG Amsterdam
P.O. Box 1800, 1000 BV Amsterdam
The Netherlands
Telephone: [phone]
Internet: www.ing.com
Commercial Register of Amsterdam, no. 33231073
WRITTEN AND PRODUCED BY
ING Groep N.V.
DESIGNED BY
Addison Corporate Marketing, London
PRINTED BY
Drukkerij Tesink, Zutphen
419ING Group Annual Report 2013
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