ING Direct 2015 Annual Report Download - page 92
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Contents
Who we are
Report of the
Management
Board
Corporate
Governance
Consolidated
annual accounts
Parent company
annual accounts
Other
information
Additional
information
Notes to the Consolidated annual accounts of ING Bank - continued
2013
Nether-
lands Belgium Germany
Other
Challen-
gers
Growth
Markets
Wholesale
Banking
Rest of
World Other Total
Underlying income
– Net interest result
4,554
2,256
1,388
1,050
1,186
1,411
133
11,980
– Commission income
706
436
145
127
354
479
–6
2,239
– Total investment and other income
400
373
–24
58
320
437
–447
1,117
Total underlying income
5,660
3,065
1,509
1,235
1,861
2,327
–320
15,337
Underlying expenditure
– Operating expenses
3,064
1,913
765
708
1,146
873
214
8,683
– Additions to loan loss provision
1,222
205
110
430
197
123
2,288
Total underlying expenses
4,286
2,118
875
1,138
1,344
996
214
10,971
Underlying result before taxation
1,374
947
634
97
517
1,331
–535
4,365
Taxation
357
248
217
97
60
295
–186
1,088
Minority interests
–4
1
93
90
Underlying net result
1,017
703
416
0
363
1,036
–349
3,187
Divestments
–42
–42
Special items
–107
25
–82
Net result IFRS-EU
910
703
416
–42
363
1,036
–324
3,063
IFRS-EU balance sheets by segment are not reported internally to, and not managed by, the chief operating decision maker.
Geographical segments
ING Bank Annual Report 2015 90