| Key figures |
 |
|
|
| |
FY 2008
|
FY2007
|
FY2006
|
FY2005
|
FY2004
|
|
Income (in EUR milion)
|
|
|
|
|
|
|
Insurance operations
|
54,851
|
62,208
|
59,642
|
57,403
|
55,614
|
|
Banking operations
|
11,731
|
14,602
|
14,195
|
13,848
|
12,678
|
|
Total Income1
|
66,291
|
76,587
|
73,621
|
71,120
|
68,171
|
|
Operating Expenses
|
|
|
|
|
|
|
Insurance operations
|
5,422
|
5,515
|
5,275
|
5,195
|
4,746
|
|
Banking operations
|
10,303
|
9,967
|
9,087
|
8,844
|
8,795
|
|
Total operating expenses
|
15,725
|
15,481
|
14,362
|
14,039
|
13,541
|
|
Addition to loan loss provision Banking
operations
|
1,280
|
125
|
103
|
88
|
465
|
|
Insurance result before tax
|
-1,635
|
6,533
|
4,935
|
3,978
|
4,322
|
|
Banking result before tax
|
148
|
4,510
|
5,005
|
4,916
|
3,418
|
|
Total result before tax
|
-1,487
|
11,043
|
9,940
|
8,894
|
7,740
|
|
Taxation
|
-721
|
1,534
|
1,907
|
1,379
|
1,709
|
|
Minority interests
|
-38
|
267
|
341
|
305
|
276
|
|
Net result
|
-729
|
9,241
|
7,692
|
7,210
|
5,755
|
| |
|
|
|
|
|
|
Figures per ordinary share (EUR)
|
|
|
|
|
|
|
Net result
|
-0.36
|
4.32
|
3.57
|
3.32
|
2.71
|
|
Earnings 2)
|
-0.56
|
4.32
|
3.57
|
3.32
|
2.71
|
|
Dividend
|
0.74
|
1.48
|
1.32
|
1.18
|
1.07
|
|
Shareholders’ equity
|
8.55
|
17.73
|
17.78
|
16.96
|
12.95
|
| |
|
|
|
|
|
|
Balance Sheet (in EUR billion)
|
|
|
|
|
|
|
Total assets
|
1,332
|
1.312
|
1,226
|
1,159
|
964
|
|
Total equity
|
29
|
40
|
41
|
38
|
28
|
|
Shareholders’ equity
|
17
|
37
|
38
|
37
|
28
|
| |
|
|
|
|
|
|
Capital Ratios (%)
|
|
|
|
|
|
|
ING Group debt/equity ratio
|
13.8%
|
9.5%
|
9.0%
|
9.4%
|
10.2%
|
|
Insurance capital coverage ratio
|
256%
|
244%
|
274%
|
255%
|
204%
|
|
Insurance debt/equity ratio
|
8.5%
|
13.6%
|
14.2%
|
13.4%
|
14.3%
|
|
Bank Tier-1 ratio
|
9.32%
|
7.39%
|
7.63%
|
7.32%
|
6.92%
|
|
Market capitalisation (in EUR billion)
|
15
|
60
|
74
|
65
|
49
|
| |
|
|
|
|
|
|
Shares (in millions):
|
|
|
|
|
|
|
Outstanding
|
2,063
|
2,226
|
2,205
|
2,205
|
2,205
|
|
Preference shares outstanding
|
-
|
16
|
63
|
87
|
87
|
| |
|
|
|
|
|
|
Key Performance Indicators
|
|
|
|
|
|
|
- Net return on equity (ROE)
|
-2.1%
|
24.2%
|
23.5%
|
26.6%
|
25.4%
|
|
- Net result growth
|
-108%
|
20%
|
7%
|
25%
|
n.a.
|
|
Insurance
|
|
|
|
|
|
|
- Value of new life business
|
1,023
|
1,113
|
807
|
805
|
632
|
|
- Internal rate of return
|
13.9%
|
14.3%
|
13.3%
|
13.2%
|
12.1%
|
|
- Combined ratio (non-life)
|
97%
|
97%
|
91%
|
95%
|
94%
|
|
Banking
|
|
|
|
|
|
|
- Cost/income ratio
|
87.8%
|
68.3%
|
64.0%
|
63.9%
|
69.4%
|
|
- RAROC after tax
|
1.2%
|
19.9%
|
19.7%
|
22.6%
|
14.5%
|
| |
|
|
|
|
|
|
Assets under management (in EUR
billion)
|
551
|
643
|
600
|
547
|
492
|
| |
|
|
|
|
|
|
Staff (FTEs end of period)
|
124,661
|
124,634
|
119,801
|
116,614
|
112,195
|
1. including inter-company eliminations
2. including impact coupon to Dutch State (EUR 425 million with
regard to EUR 10 billion)
|
|
|
Related Links
|
