ING Direct 2015 Annual Report Download - page 5

Contents
Who we are
Report of the
Management
Board
Corporate
Governance
Consolidated
annual accounts
Parent company
annual accounts
Other
information
Additional
information
Contents - continued
Notes to the Consolidated profit and loss account
2
0 Interest result 74
21 Investment income
75
22 Result on disposal of group companies
75
2
3 Commission income 76
24 Valuation results on non-trading derivatives
76
25 Net trading income
77
26 Other income
78
27 Staff expenses
78
28 Other operating expenses
81
Notes to the Consolidated statement of cash flows
29 Net cash flow from investing activities
83
30 Interest and dividend included in net cash flow
83
31 Cash and cash equivalents
83
Segment reporting
32 Segments
85
33 Information on geographical areas
91
Additional notes to the Consolidated annual accounts
34 Pension and other post-employment benefits
96
35 Taxation
101
36
Fair value of assets and liabilities 104
37 Derivatives and hedge accounting
119
38 Assets by contractual maturity
122
39 Liabilities by maturity
123
40 Assets not freely disposable
125
41 Transfer of financial assets
126
42 Offsetting financial assets and liabilities
127
43 Contingent liabilities and commitments
130
44 Legal proceedings
132
45 Companies and businesses acquired and divested
133
46 Principal subsidiaries
134
47 Structured entities
135
48 Related parties
137
49
Transactions with the Dutch State and the European Commission
Restructuring Plan
140
50 Other events
144
Risk management
146
Capital management
214
Parent company annual accounts
Parent
company balance sheet
219
Parent company profit and loss account
220
Parent company statement of changes in equity
221
Accounting policies for the parent company annual accounts
222
Notes to the parent company annual accounts
223
Other information
Independent auditor’s report
235
Proposed appropriation of result
239
Additional information
Additional Pillar 3 information
240
ING Bank Annual Report 2015 3