文档介绍：ING Bank
232431 Annual Report 2009
Annual Report 2009 ING Bank
ING Bank .
Bijlmerplein 888
1102 MG Amsterdam-Zuidoost
herlands
Telephone: +31 20 5415411
Fax: +31 20 5415444
:
Commercial Register of Amsterdam, no. 33031431
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ING Bank
2009 Annual Report
In this report
1 Who we are
Management 3
ING at a glance 4
2 Report of the Management Board
Overview 5
Retail Banking 5
ING Direct 6
Commercial Banking 7
Corporate Governance Statement 9
Dutch Banking Code 9
3 Governance
Report of the Supervisory Board 10
Conformity statement 11
4 Consolidated annual accounts
Consolidated balance sheet 12
Consolidated profit and loss account 13
Consolidated statement prehensive e 14
Consolidated statement of cash flows 15
Consolidated statement of changes in equity 16
Accounting policies for the consolidated balance sheet and profit and loss account 18
Accounting policies for the consolidated statement of cash flows 33
Notes to the consolidated balance sheet 34
Additional information to the consolidated balance sheet 58
Notes to the consolidated profit and loss account 82
Segment reporting 90
Notes to the consolidated statement of cash flows 95
Risk management 96
Capital management 132
5 pany annual accounts
pany balance sheet 136
pany profit and loss account 137
pany statement of changes in equity 138
Accounting policies for the pany balance sheet and profit and loss account 139
Notes to the pany balance sheet 140
Additional information to the pany balance sheet 147
6 Other information
Auditor’s report 150
Proposed appropriation of result 151
7 Additional information
Additional Pillar 3 information 152
2 ING Bank Annual Report 2009
1 Who we are
Management
COMPOSITION OF THE BOARDS
ING Bank has a two-tier board system, consisting of a
Supervisory Board and a Management B