2007 ANNUAL REPORT

• Consolidated balance sheet
• Consolidated profit and loss account
• Consolidated statement of cash flows
• Consolidated statement of changes in equity
• Accounting policies for the consolidated balance sheet and profit and loss account
• Accounting policies for the consolidated statement of cash flows of ING Group
• Accounting policies for the consolidated statement of cash flows of ING Group
• Notes to the consolidated balance sheet
• Additional information to the consolidated balance sheet
• Notes to the consolidated profit and loss account
• Segment reporting
• Notes to the consolidated statement of cash flows of ING Group
• Risk management
  • Key developments risk management 2007
  • ING Group
  • ING Bank
    • ING Bank Risk profile
    • ING Bank - Credit Risks
    • ING Bank - Market Risks
    • ING Bank - Liquidity Risk
  • ING Insurance
  • Compliance and Operational Risks
  • Model disclosures
• Capital management
• Authorisation of annual accounts

Risk management

ING BANK

ING Bank is engaged in selling a broad range of products. The financial risks that arise from selling these products are managed by the Corporate Credit and Market Risk departments. Operational risks are managed by the Corporate Operational, Information and Security Risk department.

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