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13898],[8,13900,8,13901],[8,13903,8,13904],[8,13906,8,13907],[8,13879,8,13880],[8,13882,8,13883],[8,13885,8,13886],[8,13888,8,13889],[8,13891,8,13892],[8,13864,8,13865],[8,13867,8,13868],[8,13870,8,13871],[8,13873,8,13874],[8,13876,8,13877],[8,13849,8,13850],[8,13852,8,13853],[8,13855,8,13856],[8,13858,8,13859],[8,13861,8,13862],[8,13834,8,13835],[8,13837,8,13838],[8,13840,8,13841],[8,13843,8,13844],[8,13846,8,13847],[8,13819,8,13820],[8,13822,8,13823],[8,13825,8,13826],[8,13828,8,13829],[8,13831,8,13832],[8,13804,8,13805],[8,13807,8,13808],[8,13810,8,13811],[8,13813,8,13814],[8,13816,8,13817],[8,13789,8,13790],[8,13792,8,13793],[8,13795,8,13796],[8,13798,8,13799],[8,13801,8,13802],[8,13774,8,13775],[8,13777,8,13778],[8,13780,8,13781],[8,13783,8,13784],[8,13786,8,13787],[8,13759,8,13760],[8,13762,8,13763],[8,13765,8,13766],[8,13768,8,13769],[8,13771,8,13772],[8,13744,8,13745],[8,13747,8,13748],[8,13750,8,13751],[8,13753,8,13754],[8,13756,8,13757],[8,13729,8,13730],[8,13732,8,13733],[8,13735,8,13736],[8,13738,8,13739],[8,13741,8,13742],[8,13714,8,13715],[8,13717,8,13718],[8,13720,8,13721],[8,13723,8,13724],[8,13726,8,13727],[8,13699,8,13700],[8,13702,8,13703],[8,13705,8,13706],[8,13708,8,13709],[8,13711,8,13712],[8,13684,8,13685],[8,13687,8,13688],[8,13690,8,13691],[8,13693,8,13694],[8,13696,8,13697],[8,13669,8,13670],[8,13672,8,13673],[8,13675,8,13676],[8,13678,8,13679],[8,13681,8,13682],[8,13654,8,13655],[8,13657,8,13658],[8,13660,8,13661],[8,13663,8,13664],[8,13666,8,13667],[8,13639,8,13640],[8,13642,8,13643],[8,13645,8,13646],[8,13648,8,13649],[8,13651,8,13652],[8,13624,8,13625],[8,13627,8,13628],[8,13630,8,13631],[8,13633,8,13634],[8,13636,8,13637],[8,13609,8,13610],[8,13612,8,13613],[8,13615,8,13616],[8,13618,8,13619],[8,13621,8,13622],[8,13594,8,13595],[8,13597,8,13598],[8,13600,8,13601],[8,13603,8,13604],[8,13606,8,13607],[8,13579,8,13580],[8,13582,8,13583],[8,13585,8,13586],[8,13588,8,13589],[8,13591,8,13592],[8,13564,8,13565],[8,13567,8,13568],[8,13570,8,13571],[8,13573,8,13574],[8,13576,8,13577],[8,13549,8,13550],[8,13552,8,13553],[8,13555,8,13556],[8,13558,8,13559],[8,13561,8,13562],[8,13534,8,13535],[8,13537,8,13538],[8,13540,8,13541],[8,13543,8,13544],[8,13546,8,13547],[8,13519,8,13520],[8,13522,8,13523],[8,13525,8,13526],[8,13528,8,13529],[8,13531,8,13532],[8,13504,8,13505],[8,13507,8,13508],[8,13510,8,13511],[8,13513,8,13514],[8,13516,8,13517],[8,13489,8,13490],[8,13492,8,13493],[8,13495,8,13496],[8,13498,8,13499],[8,13501,8,13502],[8,13474,8,13475],[8,13477,8,13478],[8,13480,8,13481],[8,13483,8,13484],[8,13486,8,13487],[8,13459,8,13460],[8,13462,8,13463],[8,13465,8,13466],[8,13468,8,13469],[8,13471,8,13472],[8,13444,8,13445],[8,13447,8,13448],[8,13450,8,13451],[8,13453,8,13454],[8,13456,8,13457],[8,13429,8,13430],[8,13432,8,13433],[8,13435,8,13436],[8,13438,8,13439],[8,13441,8,13442],[8,13414,8,13415],[8,13417,8,13418],[8,13420,8,13421],[8,13423,8,13424],[8,13426,8,13427],[8,13399,8,13400],[8,13402,8,13403],[8,13405,8,13406],[8,13408,8,13409],[8,13411,8,13412],[8,13384,8,13385],[8,13387,8,13388],[8,13390,8,13391],[8,13393,8,13394]],"merged_total":5482,"flags":["merged_cut"]}
[]
["ING GROUP EXTRA HISTORICAL TREND DATA 4Q2012 INTRODUCTION"]
[]
[]
["Introduction"]
["• ","This extra 4Q2012 Historical Trend Data document reflects the reporting changes for Insurance to be implemented  from the first quarter of 2013."]
[null,"The main changes are:"]
["• ","The Insurance Total section will disappear and Insurance EurAsia and Insurance US will be reported separately. "]
["• ","ING Investment Management will be presented  as 2 new segments within  Insurance EurAsia and Insurance US."]
["• ","The Corporate Line Insurance will be eliminated and allocated to the sections Insurance EurAsia, Insurance US and Insurance Other."]
["• ","ING Insurance Other reflects, besides some funding related results and Group shareholders expenses,  the results of insurance businesses and activities that are not related to and therefore not included in Insurance EurAsia and Insurance US. "]
[]
["Discontinued operations"]
["•","Within Insurance EurAsia, the net result of the Asia insurance and Investment management operations continue to be presented  under ‘net result from discontinued operations’ ."]
[]
["General comments"]
["• ","The Historical Trend Data document is published on a quarterly basis."]
["• ","ING analyses its results on an underlying basis. Underlying results are derived from results based on IFRS as adopted by the European Union (IFRS-EU), i.e. IFRS-EU result, excluding the impact of divestments and special items. In case of a divestment, historical results are revised by excluding both the transaction gain/loss and the operating results of the divested unit except for client balances. "]
["• ","Rounding could cause some small differences."]
["• ","All figures are unaudited."]
[]
[]
["Historical Trend Data includes:"]
["• ","Income statement for each segment"]
["• ","Income statement for corporate lines"]
["• ","Client Balances Roll forward"]
["• ","Additional detail is included for Insurance US."]
["• ","ING IM International/ING IM US: different breakdowns of Assets under Management and Assets under management roll-forward "]

{"sheet":"Table of Contents","index":1,"n_rows":45,"n_cols":7,"rows_kept":45,"cut":false,"hidden":false,"merged":[]}
[]
["TABLE OF CONTENTS"]
[]
[]
["3. Insurance EurAsia","4. Insurance US","5. Insurance Other"]
[]
["3.1.1   Profit and loss Insurance EurAsia: Total","4.1.1   Profit and loss Insurance US: Total","5.1.1   Profit and loss Insurance Other: Corporate Line"]
["3.1.2   Profit and loss Insurance EurAsia: Benelux","4.1.2   Profit and loss Insurance US: United States"]
["3.1.3   Profit and loss Insurance EurAsia: CRE","4.1.3   Profit and loss Insurance US: IIM"]
["3.1.4   Profit and loss Insurance EurAsia: Asia","4.1.4   Profit and loss Insurance US: US Closed Block VA"]
["3.1.5   Profit and loss Insurance EurAsia: IIM","4.1.5   Profit and loss Insurance US: Corporate Line"]
["3.1.6   Profit and loss Insurance EurAsia: Corporate Line"]
[]
["3.2.1   Margin analysis Insurance EurAsia: Total","4.2.1   Margin analysis Insurance US: Total","5.2.1   Margin analysis Insurance Other: Corporate Line"]
["3.2.2   Margin analysis Insurance EurAsia: Benelux","4.2.2   Margin analysis Insurance US: United States"]
["3.2.3   Margin analysis Insurance EurAsia: CRE","4.2.3   Margin analysis Insurance US: IIM"]
["3.2.4   Margin analysis Insurance EurAsia: IIM","4.2.4   Margin analysis Insurance US: US Closed Block VA"]
["3.2.5   Margin analysis Insurance EurAsia: Corporate Line","4.2.5   Margin analysis Insurance US: Corporate Line"]
[]
["3.3.1   Client Balances Insurance EurAsia: Total Life","4.3.1   Client Balances Insurance US: Total"]
["3.3.2   Client Balances Insurance EurAsia: Benelux Life","4.3.2   Client Balances Insurance US: United States"]
["3.3.3   Client Balances Insurance EurAsia: CRE Life","4.3.3   Client Balances Insurance US: IIM"]
["3.3.4   Client Balances Insurance EurAsia: IIM","4.3.4   Client Balances Insurance US: US Closed Block VA"]
[]
["3.4      Additional information Insurance EurAsia: Key figures by country","4.4      Additional information Insurance US: Total"]
["3.5      Additional information Insurance EurAsia: Benelux Non-life","4.5      Additional information Insurance US: IIM"]
["3.6      Additional information Insurance EurAsia: IIM","4.6      Additional information Insurance US: US Closed Block VA"]
[]
[]
[]
[null,null,null,null,null,14,44]
[null,null,null,null,null,17]
[]
[]
[null,null,null,null,null,22,51]
[null,null,null,null,null,null,52]
[null,null,null,null,null,25]
[]
[]
[null,null,null,null,null,33,62]
[null,null,null,null,null,34,63]
[null,null,null,null,null,35,64]
[null,null,null,null,null,36,69]
[null,null,null,null,null,37,70]
[null,null,null,null,null,38]

{"sheet":"3.1.1 Total Insurance EURASIA","index":2,"n_rows":38,"n_cols":11,"rows_kept":38,"cut":false,"hidden":false,"merged":[[40,0,40,10],[39,0,39,10],[42,0,42,8]]}
[]
["INSURANCE 3.1.1 PROFIT AND LOSS INSURANCE EURASIA: TOTAL"]
[]
[]
["Insurance: Profit and loss Insurance Eurasia"]
["In EUR million","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012","FY2013","FY2012"]
["Gross premium income",null,null,null,null,1573.2354289142302,1602.87847220046,1773.9669769306199,3172.1367435900897,null,8122.2176216354001]
["Commission income",null,null,null,null,149.93262778875399,154.14586334634001,152.308719488387,146.86386485539902,null,603.25107547888001]
["Total investment and other income",null,null,null,null,734.30305703832403,645.2891760756529,794.83592746063493,514.01459630883198,null,2688.442756883444]
["Total underlying income",null,null,null,null,2457.4711137413101,2402.3135116224498,2721.1116238796403,3833.0152047543202,null,11413.91145399772]
["Reinsurance and retrocession premiums",null,null,null,null,14.643118310338199,14.811653278291001,14.294334542370901,45.4317846832285,null,89.180890814228604]
["Net benefits Life insurance for risk company and Non-Life  claims incurred",null,null,null,null,3318.6131470863265,2203.8223071790198,2274.9155941952308,2313.7277268667453,null,10111.078775327322]
["Changes in Life insurance provisions for risk company",null,null,null,null,-1302.2462371737699,-417.84026215085299,-33.537030379593098,429.26819717723299,null,-1324.3553325269831]
["Result sharing and rebates",null,null,null,null,-44.604514787752599,29.330730199524599,9.5649167855062807,35.319488979954798,null,29.610621177233078]
["Change in deferred acquisition costs",null,null,null,null,19.598532738423799,27.658269407392503,23.6437014040999,-23.265287026373901,null,47.635216523542297]
["Other underwriting expenditure (incl. change in provision unearned premiums)",null,null,null,null,-5.9243027982289789,30.326148982025003,23.590404249265987,556.83752998635703,null,604.82978041941908]
["Underwriting expenditure",null,null,null,null,2000.0797433753501,1888.1088468954001,2312.4719207968797,3357.31944066715,null,9557.9799517347801]
["Staff expenses",null,null,null,null,270.423227716084,274.586583508236,284.30050516190397,262.85968015607301,null,1092.169996542297]
["Other operating expenses",null,null,null,null,169.69428437988901,165.12715968645998,159.67014562709798,173.23329040798299,null,667.72488010143002]
["Operating expenses",null,null,null,null,440.11751209597202,439.71374319469601,443.970650789003,436.09297056405501,null,1759.8948766437261]
["Interest expenses",null,null,null,null,66.792295882158001,81.412337189083289,86.737278149324595,99.081669075703203,null,334.02358029626907]
["Other",null,null,null,null,2.6345372806651,0.92163886776682702,6.0772883479012902,1.7499365799303499,null,11.383401076263567]
["Total underlying expenditure",null,null,null,null,2509.6240886341202,2410.1565662124399,2849.25713801761,3894.2440168868297,null,11663.281809750999]
["Underlying result before tax",null,null,null,null,-52.152974892562597,-7.8430551898168002,-128.145513537965,-61.228812132514797,null,-249.37035575285921]
["Taxation",null,null,null,null,-50.576234402293103,-3.7207985310749403,-35.655551898935599,-44.787152526243595,null,-134.73973735854722]
["Minority interests",null,null,null,null,3.0655025333519097,-0.304477945218734,-0.20560227423488001,18.292217176340198,null,20.847639490238492]
["Underlying net result",null,null,null,null,-4.6422420236246609,-3.81777962501863,-92.284358039419104,-34.733878196490899,null,-135.47825788455327]
["Net gains/losses on divestments",null,null,null,null,719.44349499999998,-199.845415,-186.31431799999999,0,null,333.28376200000002]
["Net results from divested units",null,null,null,null,5.17024046868399,0.110281387461034,-2.54550134962571,-3.0622483566712399E-3,null,2.7319582581626429]
["Net result from discontinued operations",null,null,null,null,78.295659000000001,198.172856,111.126141,162.75041200000001,null,550.34506799999997]
["Special items after tax",null,null,null,null,-276.37384358866103,-36.040573718864003,49.924180210482298,-69.064880798921095,null,-331.5551178959638]
["Net result",null,null,null,null,521.89330885640402,-41.420630956421505,-120.093856178564,58.948590756232797,null,419.32741247765131]
["New business figures"]
["Single premiums",null,null,null,null,622.0419621835099,477.12580263358097,572.22135888923503,647.87731732956399,null,2319.2664410358898]
["Annual premiums ",null,null,null,null,135.96497644221,105.584346729015,140.99846823431798,168.65706694975702,null,551.20485835530008]
["New sales (APE)",null,null,null,null,198.169172660561,153.2969269923731,198.22060412324149,233.44479868271344,null,783.13150245888903]
["Other key figures"]
["Employees (FTEs, end of period)",null,null,null,null,11714.487499999999,11805.2325,11959.097900000001,12047,null,11714.487499999999]

{"sheet":"3.1.2 Insurance Benelux P&L","index":3,"n_rows":36,"n_cols":11,"rows_kept":36,"cut":false,"hidden":false,"merged":[]}
[]
["INSURANCE 3.1.2 PROFIT AND LOSS INSURANCE EURASIA: BENELUX"]
[]
[]
["Insurance: Profit and loss Insurance Benelux"]
["In EUR million","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012","FY2013","FY2012"]
["Gross premium income",null,null,null,null,1077.89294227,1137.55338721,1305.13771408,2634.8857750300003,null,6155.4698185900006]
["Commission income",null,null,null,null,8.8763505299999697,12.63999269,13.44510833,15.459110340000001,null,50.420561889999966]
["Total investment and other income",null,null,null,null,655.43352363999998,571.83766155000001,679.03512109999997,467.75380497000003,null,2374.0601112599998]
["Total underlying income",null,null,null,null,1742.2028164400001,1722.03104145,1997.61794351,3118.0986903400003,null,8579.9504917400009]
["Reinsurance and retrocession premiums",null,null,null,null,12.998585210000002,13.007553570000001,13.128779509999999,31.97540313,null,71.110321419999991]
["Net benefits Life insurance for risk company and Non-Life  claims incurred",null,null,null,null,2816.8147370199999,1794.04097841,1784.5183075899999,1729.5375734700001,null,8124.9115964899993]
["Changes in Life insurance provisions for risk company",null,null,null,null,-1261.7134801700001,-393.25401459,12.579954760000101,568.61667320000004,null,-1073.7708668]
["Result sharing and rebates",null,null,null,null,-52.125628640000002,20.906146679999999,24.446999170000002,29.082291600000001,null,22.309808809999993]
["Change in deferred acquisition costs",null,null,null,null,29.09937575,26.206173249999999,23.656281940000003,-24.991527960000003,null,53.97030298]
["Other underwriting expenditure (incl. change in provision unearned premiums)",null,null,null,null,-72.035255050000018,-22.159338560000009,-31.743844069999994,503.14844071000005,null,377.21000302999994]
["Underwriting expenditure",null,null,null,null,1473.0383341199999,1438.7474987600001,1826.5864789000002,2837.3688541500001,null,7575.7411659299996]
["Operating expenses",null,null,null,null,243.10405558000002,239.23872686999999,248.10277009000001,241.95007557,null,973]
["Interest expenses",null,null,null,null,18.327809070000001,24.114034670000002,33.965219060000003,46.334252540000001,null,122.74131534]
["Other",null,null,null,null,0.20750204999999999,-2.73405E-2,-2.73405E-2,-2.73405E-2,null,0.12548055]
["Total underlying expenditure",null,null,null,null,1734.6777008199999,1702.0729198654999,2108.6271274844999,3125.6258417600002,null,8671.0035899300001]
["Underlying result before tax",null,null,null,null,7.5251156199991094,19.958120984498198,-111.00918337450101,-7.5271514199997904,null,-91.053098190003496]
["Taxation",null,null,null,null,-6.276780124708,-29.085653139968997,-39.681554775323001,-39.162446450000004,null,-114.20643449000001]
["Minority interests",null,null,null,null,1.3076129999999999,-2.7876690000000002,-2.1163370000000001,15.916316,null,12.319922999999999]
["Underlying net result",null,null,null,null,12.494282744708201,51.831443124466702,-69.211291599178594,15.718979030000501,null,10.833413299996806]
["Net gains/losses on divestments",null,null,null,null,0,0,-6.8023569999999998,0,null,-6.8023569999999998]
["Net results from divested units",null,null,null,null,0,0,-12.3,0,null,-12.3]
["Net result from discontinued operations",null,null,null,null,0,0,0,0,null,0]
["Special items after tax",null,null,null,null,-181.63504796470801,-23.904185454468998,-24.318438580822999,-48.947674999999997,null,-278.80534699999998]
["Net result",null,null,null,null,-169.14076521999999,27.927257669998099,-112.63208718000101,-33.228695969999997,null,-287.0742907000029]
["New business figures"]
["Single premiums",null,null,null,null,469.2352474146,335.22382303570004,426.13386774620005,443.56924303699998,null,1674.1621812335002]
["Annual premiums",null,null,null,null,32.531874113100002,34.908262192199999,68.782580916599997,83.126535720299998,null,219.3492529422]
["New sales (APE)",null,null,null,null,79.455398854560002,68.430644495769997,111.39596769121999,127.483460024,null,386.76547106555006]
["Other key figures"]
["Employees (FTEs, end of period)",null,null,null,null,6309.5,6348.67,6498.47,6663.05,null,6309.5]

{"sheet":"3.1.3 Insurance CRE P&L","index":4,"n_rows":36,"n_cols":11,"rows_kept":36,"cut":false,"hidden":false,"merged":[]}
[]
["INSURANCE 3.1.3 PROFIT AND LOSS INSURANCE EURASIA: CRE"]
[]
[]
["Insurance: Profit and loss Insurance Central & rest of Europe"]
["In EUR million","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012","FY2013","FY2012"]
["Gross premium income",null,null,null,null,490.09526034010798,457.12899549943603,453.36327683219901,535.16620817738999,null,1935.753740849133]
["Commission income",null,null,null,null,33.2971657886551,35.364819778586998,30.270751944001997,33.415656479228296,null,132.34839399047237]
["Total investment and other income",null,null,null,null,94.867382586844599,84.7268102533573,88.335102173259401,67.846816558391495,null,335.77611157185282]
["Total underlying income",null,null,null,null,618.25980871560898,577.22062553138005,571.96913094946103,636.42868121500896,null,2403.8782464114588]
["Reinsurance and retrocession premiums",null,null,null,null,9.6706796747731101,9.5493558107382395,8.8213239349111898,22.6022564638441,null,50.643615884266644]
["Net benefits Life insurance for risk company and Non-Life  claims incurred",null,null,null,null,457.48679120747244,380.81630254315661,462.09295058122274,563.80045928085008,null,1864.1965036127017]
["Changes in Life insurance provisions for risk company",null,null,null,null,-32.799842588372698,6.9806895084965497,-61.274846996207103,-114.79714241358299,null,-201.89114248966627]
["Result sharing and rebates",null,null,null,null,7.5278738478486202,8.4077311110770498,-14.880503964493601,6.2447150799547897,null,7.2998160743868583]
["Change in deferred acquisition costs",null,null,null,null,-9.5008430123891312,1.4520961533774899,-1.25805358996857E-2,1.72624093362575,null,-6.3350864612855773]
["Other underwriting expenditure (incl. change in provision unearned premiums)",null,null,null,null,65.430363950951914,53.653209357784071,53.867656629264893,52.854025826357486,null,225.80525576435838]
["Underwriting expenditure",null,null,null,null,497.81502308028399,460.85938448462997,448.61399964879797,532.43055517104904,null,1939.718962384761]
["Operating expenses",null,null,null,null,64.464426588079803,73.440608897103402,69.516650452406708,84.983168827099689,null,292.40485476468962]
["Interest expenses",null,null,null,null,0.28980550649574099,0.20119024221429799,0.29237007555524203,0.31298661126291699,null,1.0963524355281979]
["Other",null,null,null,null,0.66051257710088895,-5.9262730000000305E-2,5.9262730000000305E-2,0,null,0.66051257710088895]
["Total underlying expenditure",null,null,null,null,563.22976775196298,534.44192089394699,518.48228290676002,617.72671060941195,null,2233.8806821620819]
["Underlying result before tax",null,null,null,null,55.030040963645199,42.778704637434402,53.486848042700899,18.701970605597801,null,169.99756424937831]
["Taxation",null,null,null,null,13.049496715149401,6.8856969079935801,15.8945072275149,6.0358381951230804,null,41.865539045780963]
["Minority interests",null,null,null,null,1.7578896881841199,2.48319141489144,1.9107347884282,2.37590108306556,null,8.5277169745693193]
["Underlying net result",null,null,null,null,40.222654560312499,33.409816314549097,35.6816060267575,10.290231327409099,null,119.60430822902819]
["Net gains/losses on divestments",null,null,null,null,0,0,0,0,null,0]
["Net results from divested units",null,null,null,null,0,0,0,0,null,0]
["Net result from discontinued operations",null,null,null,null,0,0,0,0,null,0]
["Special items after tax",null,null,null,null,-8.1080424097392907,-4.1636283447195996,-4.6584398758041399,-7.0287672231611902,null,-23.958877853424219]
["Net result",null,null,null,null,32.114612150572697,29.246187969829297,31.0231661509536,3.2614641042480197,null,95.64543037560361]
["New business figures"]
["Single premiums",null,null,null,null,152.806714452964,141.90198029420199,146.087491143031,204.30807429256299,null,645.10426018275996]
["Annual premiums",null,null,null,null,103.43310192946599,70.676084335344001,72.215887317720203,85.530531229456798,null,331.85560481198701]
["New sales (APE)",null,null,null,null,118.7137733747624,84.866282364764203,86.824636432023297,105.96133865871309,null,396.36603083026301]
["Other key figures"]
["Employees (FTEs, end of period)",null,null,null,null,3696.9475000000002,3758.5025000000001,3760.58,3715.55,null,3696.9475000000002]

{"sheet":"3.1.4 Ins Asia P&L","index":5,"n_rows":36,"n_cols":11,"rows_kept":36,"cut":false,"hidden":false,"merged":[]}
[]
["INSURANCE 3.1.4 PROFIT AND LOSS INSURANCE EURASIA: ASIA"]
[]
[]
["Insurance: Profit and loss ING Insurance Asia"]
["In EUR million","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012","FY2013","FY2012"]
["Gross premium income"]
["Commission income"]
["Total investment and other income"]
["Total underlying income"]
["Reinsurance and retrocession premiums"]
["Net benefits Life insurance for risk company and Non-Life  claims incurred"]
["Changes in Life insurance provisions for risk company"]
["Result sharing and rebates"]
["Change in deferred acquisition costs"]
["Other underwriting expenditure (incl. change in provision unearned premiums)"]
["Underwriting expenditure"]
["Operating expenses"]
["Interest expenses"]
["Other"]
["Total underlying expenditure"]
["Underlying result before tax"]
["Taxation"]
["Minority interests"]
["Underlying net result"]
["Net gains/losses on divestments",null,null,null,null,729.88245700000004,-199.845415,null,null,null,530.03704200000004]
["Net results from divested units"]
["Net result from discontinued operations",null,null,null,null,140.330703,124.40064599999999,112.074316,186.114846,null,562.92051100000003]
["Special items after tax"]
["Net result",null,null,null,null,870.21315690456606,-75.422411516913797,112.074316453352,186.11484549924901,null,1092.9799073402532]
["New business figures"]
["Single premiums"]
["Annual premiums"]
["New sales (APE)"]
["Other key figures"]
["Employees (FTEs, end of period)"]

{"sheet":"3.1.5 ING IM P&L","index":6,"n_rows":32,"n_cols":11,"rows_kept":32,"cut":false,"hidden":false,"merged":[[32,0,32,10]]}
[]
["INSURANCE 3.1.5 PROFIT AND LOSS INSURANCE EURASIA: IIM"]
[]
[]
["Insurance: Profit and loss ING IM Eurasia"]
["In EUR million","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012","FY2013","FY2012"]
["Gross premium income",null,null,null,null,0,0,0,0,null,0]
["Commission income",null,null,null,null,108.843308872419,107.872813769564,109.422491657696,103.866705049549,null,430.00531934922799]
["Total investment and other income",null,null,null,null,-0.200216723793676,-0.371712025847801,2.5979532404855501,1.31172252700296,null,3.3377470178470334]
["Total underlying income",null,null,null,null,108.643092148625,107.50110174371601,112.02044489818101,105.17842757655201,null,433.34306636707402]
["Reinsurance and retrocession premiums",null,null,null,null,0,0,0,0,null,0]
["Net benefits Life insurance for risk company and Non-Life  claims incurred",null,null,null,null,0,0,0,0,null,0]
["Changes in Life insurance provisions for risk company",null,null,null,null,0,0,0,0,null,0]
["Result sharing and rebates",null,null,null,null,0,0,0,0,null,0]
["Change in deferred acquisition costs",null,null,null,null,0,0,0,0,null,0]
["Other underwriting expenditure (incl. change in provision unearned premiums)",null,null,null,null,0,0,0,0,null,0]
["Underwriting expenditure",null,null,null,null,0,0,0,0,null,0]
["Operating expenses",null,null,null,null,87.318363514662593,83.198614767921995,80.674251207921799,79.427259476449294,null,330.61848896695562]
["Interest expenses",null,null,null,null,0.32015573999999997,0.54483629,0.61357848999999998,0.93803365999999999,null,2.4166041800000002]
["Other",null,null,null,null,3.3651106975995899E-4,3.3649937501084099E-4,3.36500408049556E-4,3.3648997381993098E-4,null,1.346000826640287E-3]
["Total underlying expenditure",null,null,null,null,87.638855765732202,83.743787557297097,81.288166198329805,80.3656296264232,null,333.03643914778229]
["Underlying result before tax",null,null,null,null,21.004236382893001,23.757314186419098,30.732278699851502,24.812797950128399,null,100.306627219292]
["Taxation",null,null,null,null,7.6333185757489295,2.4533576462583402,8.3174144096041598,8.0428231924422402,null,26.44691382405367]
["Minority interests",null,null,null,null,5.6234370317542902E-7,-6.35488092608284E-7,-6.2663079690537395E-8,9.3274674247368192E-8,null,-4.2532794876024207E-8]
["Underlying net result",null,null,null,null,13.3709182448001,21.3039571936519,22.4148645341844,16.769974465134599,null,73.85971443777099]
["Net gains/losses on divestments",null,null,null,null,-10.438962,0,-179.51196100000001,0,null,-189.95092300000002]
["Net results from divested units",null,null,null,null,0,0,0,0,null,0]
["Net result from discontinued operations",null,null,null,null,-15.379238000000001,-3.9582419999999998,-3.5607760000000002,1.197031,null,-21.701225000000001]
["Special items after tax",null,null,null,null,-2.6137052142130002,-0.52033101906099999,-0.53525133289041693,-0.46798011178255799,null,-4.1372676779469746]
["Net result",null,null,null,null,-15.060986969412999,16.825384174590699,-161.19312379870598,17.499025353352099,null,-141.9297012401762]
["Key figures"]
["Employees (FTEs, end of period)",null,null,null,null,1203.8699999999999,1207.99,1216.27,1212.9000000000001,null,1203.8699999999999]

{"sheet":"3.1.6 Corporate Line P&L","index":7,"n_rows":30,"n_cols":11,"rows_kept":30,"cut":false,"hidden":false,"merged":[[30,0,30,10]]}
[]
["INSURANCE 3.1.6 PROFIT AND LOSS INSURANCE EURASIA: CORPORATE LINE"]
[]
[]
["Insurance: Profit and loss Corporate Line Eurasia"]
["In EUR million","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012","FY2013","FY2012"]
["Gross premium income",null,null,null,null,5.2472258304812307,8.1960897870997762,15.465986018420892,2.0847603826994145,null,30.994062018701314]
["Commission income",null,null,null,null,-1.0841973223481176,-1.7317628895035995,-0.82963244331102715,-5.8776070133782525,null,-9.5231996685409968]
["Total investment and other income",null,null,null,null,-15.797631976717966,-10.903583744662754,24.867750946890013,-22.897747746562516,null,-24.731212521053223]
["Total underlying income",null,null,null,null,-11.634603468584046,-4.4392568470692169,39.504104521998244,-26.690594377241098,null,-3.2603501708961176]
["Reinsurance and retrocession premiums",null,null,null,null,-8.0261463038450405,-7.745256359471437,-7.655769466974812,-9.1458744437535238,null,-32.573046574044817]
["Net benefits Life insurance for risk company and Non-Life  claims incurred",null,null,null,null,44.311617872759427,28.965026505052069,28.304336024007867,20.389694115895331,null,121.9706745177147]
["Changes in Life insurance provisions for risk company",null,null,null,null,-7.7329157462970581,-31.566937005197023,15.157861856616902,-24.551333609187097,null,-48.693324504064279]
["Result sharing and rebates",null,null,null,null,-6.7599999994513941E-3,1.6852419999786622E-2,-1.5784200001203175E-3,-7.5176999999930771E-3,null,9.9630000022183328E-4]
["Change in deferred acquisition costs",null,null,null,null,3.9564800260905019E-10,-1.5650417665540351E-9,-1.190511372817228E-13,5.3473385719371563E-14,null,-1.1694593416965472E-9]
["Other underwriting expenditure (incl. change in provision unearned premiums)",null,null,null,null,0.68058841999693276,-1.1677218500001683,1.4665916900010887,0.83506344999952598,null,1.8145217099973794]
["Underwriting expenditure",null,null,null,null,29.226384243022736,-11.498036291181222,37.27144168365033,-12.479968187040313,null,42.51982144845153]
["Operating expenses",null,null,null,null,45.232713700477973,43.835750929015063,45.676979038674233,29.732467154483601,null,164.47791082265087]
["Interest expenses",null,null,null,null,47.854525565460818,56.552275986719593,51.86611052376935,51.496396264440278,null,207.76930834039004]
["Other",null,null,null,null,1.7661860631281789,1.0079056780979263,6.0450296174932401,1.7769405899565298,null,10.596061948675876]
["Total underlying expenditure",null,null,null,null,124.07980957206176,89.897896302646174,140.85956086358894,70.525835821830725,null,425.36310256012763]
["Underlying result before tax",null,null,null,null,-135.71441304069111,-94.337153149699532,-101.35545634158491,-97.216430199077607,null,-428.62345273105319]
["Taxation",null,null,null,null,-64.982269562682731,16.048157612362985,-20.185918760731763,-19.70336746380891,null,-88.823398174860415]
["Minority interests",null,null,null,null,6.5722929621378837E-15,-9.6969200010443238E-16,-1.4561864850906831E-16,-3.6011982682178107E-14,null,-3.0555000368653724E-14]
["Underlying net result",null,null,null,null,-70.732142478007518,-110.38531164138817,-81.169537454533653,-77.513062982261701,null,-339.80005455619107]
["Net gains/losses on divestments",null,null,null,null,-6.0396132539608516E-14,0,2.8421709430404007E-14,0,null,-3.1974423109204508E-14]
["Net results from divested units",null,null,null,null,5.17024046868399,0.110281387461034,9.7544986503743001,-3.0622483566712399E-3,null,15.031958258162653]
["Net result from discontinued operations",null,null,null,null,-46.655805999999998,77.730452,2.6126010000000082,-24.561464999999998,null,9.1257820000000152]
["Special items after tax",null,null,null,null,-84.014999999999844,-7.4524709999998127,79.436309999999835,-12.620457999999903,null,-24.65161899999972]
["Net result",null,null,null,null,-196.23270800932173,-39.997049253925795,10.633872195837398,-114.69804823061634,null,-340.29393329802645]

{"sheet":"3.2.1 Ins. Eurasia TOT MA","index":8,"n_rows":33,"n_cols":11,"rows_kept":33,"cut":false,"hidden":false,"merged":[]}
[]
["INSURANCE 3.2.1 MARGIN ANALYSIS INSURANCE EURASIA: TOTAL"]
[]
[]
["Insurance: Margin analysis Insurance Eurasia"]
["In EUR million","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012","FY2013","FY2012"]
["Margin analysis"]
["Investment margin",null,null,null,null,181.62520023997436,130.32144060668983,196.4828937502036,155.44304277855474,null,663.87257737542257]
["Fees and premium based revenues",null,null,null,null,354.14913263705148,355.88628248624292,355.25121034258478,387.70505518161713,null,1452.9916806474962]
["Technical margin",null,null,null,null,82.191812771315028,88.796567397430408,99.378061833027203,81.097590810433388,null,351.46403281220603]
["Income non-modelled life business",null,null,null,null,5.9111121905213935,3.4015638678357618,6.4864266829436374,4.1876488701142023,null,19.986751611414995]
["Life & ING IM operating income       ",null,null,null,null,623.87725783888743,578.40585435817673,657.59859260876885,628.43333764070189,null,2488.3150424465352]
["Administrative expenses",null,null,null,null,297.367118654455,300.95800683025868,301.16620781751493,317.34842267491121,null,1216.8397559771397]
["DAC amortisation and trail commissions ",null,null,null,null,102.33399662263977,98.863565027257081,98.30598658022771,113.46134898238711,null,412.96489721251169]
["Life & ING IM expenses       ",null,null,null,null,399.70111527709525,399.82157185751686,399.47219439773801,430.80977165730064,null,1629.8046531896507]
["Life & ING IM operating result       ",null,null,null,null,224.17614256179837,178.58428250065896,258.12639821102232,197.6235659834002,null,858.51038925687976]
["Non-life operating result    ",null,null,null,null,39.048212306096332,10.857344878046709,31.19899878020075,7.4645613899924399,null,88.569117354336242]
["Corporate line operating result",null,null,null,null,-121.47378189938,-92.471659882972304,-104.68663307612,-94.606708149296196,null,-413.23878300776852]
["Operating result",null,null,null,null,141.750572968424,96.969967495771499,184.63876391509501,110.48141922409799,null,533.84072360338848]
["Gains/losses and impairments",null,null,null,null,23.765813732535197,44.033539111839502,-60.267198123631594,58.743639068429502,null,66.27579378917261]
["Revaluations",null,null,null,null,-47.938771046864801,-35.637978880732298,-22.183876919042699,-212.932539722401,null,-318.69316656904078]
["Market & other impacts",null,null,null,null,-169.73059054665399,-113.20858291670299,-230.333202410382,-17.521330702640299,null,-530.79370657637924]
["Underlying result before tax",null,null,null,null,-52.152974892562597,-7.8430551898168002,-128.145513537965,-61.228812132514797,null,-249.37035575285921]
["Key figures"]
["Gross premium income",null,null,null,null,1573.2354289142302,1602.87847220046,1773.9669769306199,3172.1367435900897,null,8122.2176216354001]
["Administrative expenses / operating income (Life & ING IM)",null,null,null,null,0.47596153846153844,0.52076124567474047,0.45744680851063829,0.50477707006369432,null,0.48914790996784568]
["Life general account invested assets (end of period, in EUR billion)",null,null,null,null,66.831999999999994,67.247,66.938999999999993,67.39,null,66.831999999999994]
["Investment margin / Life general account invested assets (four quarter rolling average, in bps)",null,null,null,null,99,97,109,115]
["Prov. for life insurance & investm. contracts for risk policyholder (in EUR billion, end of period) 1)",null,null,null,null,27.023181894316583,26.365778595067859,25.695674746258497,48.907534572579188,null,27.023181894316583]
["Net production Client balances (in EUR billion)",null,null,null,null,3.6218576026161591,0.14153197815700058,-1.8776021107737988,-1.2280137092068808,null,0.65777376079248029]
["Client balances (end of period, in EUR billion)",null,null,null,null,184.25546846155282,176.27977255952891,170.47223812573259,171.02594034614489,null,184.25546846155282]
["Administrative expenses (total)",null,null,null,null,439.54988280043204,440.07129835723401,443.35933397542601,435.29087794905701,null,1758.2713930821492]
["1) 1Q2012 includes EUR 22.5 billion for Asia"]

{"sheet":"3.2.2 Ins. Benelux MA","index":9,"n_rows":31,"n_cols":11,"rows_kept":31,"cut":false,"hidden":false,"merged":[]}
[]
["INSURANCE 3.2.2 MARGIN ANALYSIS INSURANCE EURASIA: BENELUX"]
[]
[]
["Insurance: Margin analysis Insurance Benelux"]
["In EUR million","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012","FY2013","FY2012"]
["Margin analysis"]
["Investment margin",null,null,null,null,162.69474514728401,117.102254462716,179.97303823114402,144.35610667885598,null,604.12614452000003]
["Fees and premium based revenues",null,null,null,null,139.49089969993099,136.80935809773601,143.11533906091898,174.07026814141301,null,593.48586499999897]
["Technical margin",null,null,null,null,40.394681550186,44.326827861708701,56.428121021094704,35.511861567010598,null,176.66149199999998]
["Income non-modelled life business",null,null,null,null,6.12266425969899E-2,-0.92136789215859805,1.28859954684332,-0.38774513727972204,null,4.0713160001989823E-2]
["Life operating income       ",null,null,null,null,342.64155303999701,297.31707252999996,380.80509785999999,353.55049124999999,null,1374.3142146799969]
["Administrative expenses",null,null,null,null,147.29876506886501,145.33937654663501,152.79552343450001,156,null,600.89679387000001]
["DAC amortisation and trail commissions ",null,null,null,null,46.464961450000004,43.673240039999996,44.354036669999999,57.855189920000001,null,192.34742808000001]
["Life expenses       ",null,null,null,null,193.76372651886498,189.012616586635,197.14956010449998,213.31831874000002,null,793.24422194999988]
["Life operating result       ",null,null,null,null,148.87782652113302,108.304455943363,183.65553775549998,140.23217251,null,581.06999272999599]
["Non-life operating result    ",null,null,null,null,37.519915948865098,9.6587388811352302,28.798801409999999,6.41056048999996,null,82.388016730000288]
["Operating result",null,null,null,null,186.39774246999801,117.963194824498,212.45433916549899,146.64273300000102,null,663.45800945999599]
["Gains/losses and impairments",null,null,null,null,24.150518250000001,47.58697806,-50.192656640000003,70.34054848000001,null,91.885388150000011]
["Revaluations",null,null,null,null,-33.953242100000004,-31.4986669,-43.822465899999997,-206.98910190000001,null,-316.26347680000003]
["Market & other impacts",null,null,null,null,-169.06990300000001,-114.093385,-229.44839999999999,-17.521331,null,-530.13301899999999]
["Underlying result before tax",null,null,null,null,7.5251156199991094,19.958120984498198,-111.00918337450101,-7.5271514199997904,null,-91.053098190003496]
["Key figures"]
["Gross premium income",null,null,null,null,1077.89294227,1137.55338721,1305.13771408,2634.8857750300003,null,6155.4698185900006]
["Administrative expenses / operating income (Life & ING IM)",null,null,null,null,0.42857142857142855,0.48821548821548821,0.40157480314960631,0.441,null,0.43740902474526927]
["Life general account invested assets (end of period, in EUR billion)",null,null,null,null,59.518000000000001,59.972999999999999,59.758000000000003,60.389000000000003,null,59.518000000000001]
["Investment margin / Life general account invested assets (four quarter rolling average, in bps)",null,null,null,null,101,98,111,117]
["Prov. for life insurance & investm. contracts for risk policyholder (in EUR billion, end of period)",null,null,null,null,23.15499255552,22.570911686259997,22.112613930489999,22.709518877570002,null,23.15499255552]
["Net production Client balances (in EUR billion)",null,null,null,null,-0.56373085106532994,-0.73356041639023994,-0.62155474316111003,0.26944458261668003,null,-1.649401428]
["Client balances (end of period, in EUR billion)",null,null,null,null,70.941436558999996,70.910285921140002,70.682669621139993,70.833247330139997,null,70.941436558999996]
["Administrative expenses (total)",null,null,null,null,243.34809658,239.71700687000001,248.37453909000001,242.52858656999999,null,973.96822911000004]

{"sheet":"3.2.3 Ins. CRE MA","index":10,"n_rows":31,"n_cols":11,"rows_kept":31,"cut":false,"hidden":false,"merged":[]}
[]
["INSURANCE 3.2.3 MARGIN ANALYSIS INSURANCE EURASIA: CRE"]
[]
[]
["Insurance: Margin analysis Central & rest of Europe"]
["In EUR million","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012","FY2013","FY2012"]
["Margin analysis"]
["Investment margin",null,null,null,null,19.534248893390799,14.189610872804801,14.9446212889913,10.6775368323653,null,59.346017887552193]
["Fees and premium based revenues",null,null,null,null,105.79190566327,111.22634460538801,102.71211149856799,109.806211344579,null,429.53657311180496]
["Technical margin",null,null,null,null,41.797129878246004,44.469741557797697,42.949907407050496,45.585729123438796,null,174.802507966533]
["Income non-modelled life business",null,null,null,null,5.8495952730442999,4.3072721514552006,5.2138894803374702,4.5746334798628299,null,19.945390384699802]
["Life operating income       ",null,null,null,null,172.97287970794099,174.19296918743899,165.820529674949,170.64411078024699,null,683.630489350576]
["Administrative expenses",null,null,null,null,62.752037831855404,72.419973310075804,67.696433175090704,82.458034842440796,null,285.32647915946268]
["DAC amortisation and trail commissions ",null,null,null,null,55.868698786770999,55.189988898225998,53.951613497423594,55.605822030597402,null,220.616123213018]
["Life expenses       ",null,null,null,null,118.62073661862699,127.609962208301,121.64804667251299,138.06385687303799,null,505.94260237247897]
["Life operating result       ",null,null,null,null,54.352143089316598,46.583006979140002,44.172483002433502,32.580253907209503,null,177.68788697809961]
["Non-life operating result    ",null,null,null,null,1.52829684053939,1.1986055161210301,2.40019737020075,1.0540008999924799,null,6.1811006268536506]
["Operating result",null,null,null,null,55.880439929855697,47.781612495261605,46.572680372634601,33.634254807201998,null,183.8689876049539]
["Gains/losses and impairments",null,null,null,null,-0.35706012372225499,-5.6238695878274303,-13.3184365999339,-15.634643201604201,null,-34.934009513087787]
["Revaluations",null,null,null,null,0.16717373461333301,0.56169899999999995,20.291867,0.70235899999999996,null,21.723098734613334]
["Market & other impacts",null,null,null,null,-0.66051257710088995,5.9262730000000305E-2,-5.9262730000000305E-2,0,null,-0.66051257710088995]
["Underlying result before tax",null,null,null,null,55.030040963645199,42.778704637434402,53.486848042700899,18.701970605597801,null,169.99756424937831]
["Key figures"]
["Gross premium income",null,null,null,null,490.09526034010798,457.12899549943603,453.36327683219901,535.16620817738999,null,1935.753740849133]
["Administrative expenses / operating income (Life & ING IM)",null,null,null,null,0.36416184971098264,0.41379310344827586,0.40963855421686746,0.47953216374269003,null,0.41666666666666669]
["Life general account invested assets (end of period, in EUR billion)",null,null,null,null,7.3140000000000001,7.274,7.181,7.0010000000000003,null,7.3140000000000001]
["Investment margin / Life general account invested assets (four quarter rolling average, in bps)",null,null,null,null,83,84,90,95]
["Prov. for life insurance & investm. contracts for risk policyholder (in EUR billion, end of period)",null,null,null,null,3.8681893394045814,3.7948669083015352,3.5830608161741386,3.6753210641771261,null,3.8681893394045814]
["Net production Client balances (in EUR billion)",null,null,null,null,0.1231213920064979,0.22182382396793202,0.14678971280559791,3.1406732263031929E-2,null,0.5231416610430597]
["Client balances (end of period, in EUR billion)",null,null,null,null,30.0853579589688,28.7165138837487,26.956338471138203,27.242553955003402,null,30.0853579589688]
["Administrative expenses (total)",null,null,null,null,63.652756288223294,73.319884062684991,68.6335646388264,83.602565212102405,null,289.20877020183713]

{"sheet":"3.2.4 Ins. IIM MA","index":11,"n_rows":25,"n_cols":11,"rows_kept":25,"cut":false,"hidden":false,"merged":[]}
[]
["INSURANCE 3.2.4 MARGIN ANALYSIS INSURANCE EURASIA: IIM"]
[]
[]
["Insurance: Margin analysis ING IM Eurasia"]
["In EUR million","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012","FY2013","FY2012"]
["Margin analysis"]
["Investment margin",null,null,null,null,-0.60379282656664002,-0.9704254947048,1.5653985804074,0.40939936574236002,null,0.40057962487832011]
["Fees and premium based revenues",null,null,null,null,108.866327201339,107.85057978288799,109.423759783099,103.82857569562501,null,429.969242462951]
["Technical margin",null,null,null,null,0,0,0,0,null,0]
["Income non-modelled life business",null,null,null,null,2.9286730539495801E-4,1.5658909982069799E-2,-1.61928445851281E-2,7.59804165072739E-4,null,5.1873686740939659E-4]
["Operating income       ",null,null,null,null,108.262827242079,106.895813198166,110.972965518922,104.238734865532,null,430.37034082469893]
["Administrative expenses",null,null,null,null,87.318363514663503,83.198614767921399,80.674251207921699,79.427259476449393,null,330.61848896695597]
["DAC amortisation and trail commissions ",null,null,null,null,3.3651072488911503E-4,3.3649937502015401E-4,3.3650040801730901E-4,3.3648997381306299E-4,null,1.346000481739641E-3]
["Expenses       ",null,null,null,null,87.3187000253874,83.198951267297005,80.674587708329796,79.427595966423198,null,330.61983496743738]
["Operating result",null,null,null,null,20.9441272166913,23.696861930868998,30.298377810591798,24.8111388991084,null,99.750505857260492]
["Gains/losses and impairments",null,null,null,null,6.0109166546712597E-2,6.04522555499293E-2,0.43390088925971104,1.6590510201186901E-3,null,0.55612136237647158]
["Revaluations",null,null,null,null,0,0,0,0,null,0]
["Market & other impacts",null,null,null,null,-3.4489994868636099E-10,0,0,0,null,-3.4489994868636099E-10]
["Underlying result before tax",null,null,null,null,21.004236382893001,23.757314186419098,30.732278699851502,24.812797950128399,null,100.306627219292]
["Key figures"]
["AUM (in EUR Billion)",null,null,null,null,184.8,179.91642801605201,173.52085517402398,172.699409127808,null,184.79513408352699]
["Net inflow (in EUR Billion)",null,null,null,null,3.2651011176254015,0.906698925972798,-1.6671327017490003,-2.5937228855302238E-2,null,2.478730112993897]
["Fees / average AUM (annualised in bps)",null,null,null,null,23.879983749265332,24.41181729543495,25.284195309308476,24.327514800682327,null,24.384320205604094]
["Administrative expenses / oprating income",null,null,null,null,0.80555555555555558,0.77570093457943923,0.72972972972972971,0.75961538461538458,null,0.76976744186046508]

{"sheet":"3.2.5 CL Eurasia MA","index":12,"n_rows":15,"n_cols":11,"rows_kept":15,"cut":false,"hidden":false,"merged":[[16,0,16,10],[15,0,15,10]]}
[]
["INSURANCE 3.2.5 MARGIN ANALYSIS INSURANCE EURASIA: CORPORATE LINE"]
[]
[]
["Insurance: Margin analysis Corporate Line"]
["In EUR million","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012","FY2013","FY2012"]
["Margin analysis"]
["Operating result",null,null,null,null,-121.47378189946976,-92.471659882934688,-104.68663307612742,-94.606708149295713,null,-413.23878300782764]
["Gains/losses and impairments",null,null,null,null,-8.7753570556031779E-2,2.0099780940189325,2.8099942403254903,4.0360750164091632,null,8.7682937801975527]
["Revaluations",null,null,null,null,-14.152702680412636,-4.7010105113997271,1.3467217542210188,-6.6457970661909904,null,-24.152788503782332]
["Market & other impacts",null,null,null,null,-1.7489024764696584E-4,0.82553915060835759,-0.82553926000013744,4.1038901936774909E-14,null,-1.7499963938574428E-4]
["Underlying result before tax",null,null,null,null,-135.71441304069111,-94.337153149699532,-101.35545634158491,-97.216430199077607,null,-428.62345273105319]
["Key figures"]
["Gross premium income",null,null,null,null,5.2472258304812307,8.1960897870997762,15.465986018420892,2.0847603826994145,null,30.994062018701314]
["Administrative expenses (total)",null,null,null,null,45.232713700477504,43.835750929014104,45.676979038674801,29.732467154483601,null,164.47791082265002]

{"sheet":"3.3.1 Insurance Eurasia CB","index":13,"n_rows":42,"n_cols":9,"rows_kept":42,"cut":false,"hidden":false,"merged":[[44,0,44,5],[42,0,42,7],[43,0,43,7]]}
[]
["INSURANCE 3.3.1 CLIENT BALANCES INSURANCE EURASIA: TOTAL LIFE & IIM"]
[]
[]
["Insurance: Client balances Total Life Insurance Eurasia & ING IM Eurasia"]
["In EUR billion","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012"]
["Client Balances included on Balance Sheet"]
["Beginning of period",null,null,null,null,81.687788396287374,81.092391635891261,81.498422053525942,79.922286909942372]
["    Deposits",null,null,null,null,1.13762336362882,1.2932385205480499,1.45458719345453,1.97482420808618]
["    Withdrawals / Benefits",null,null,null,null,-1.8044690736181099,-2.0320184691951302,-2.17253422564223,-1.85705326962213]
["Net production",null,null,null,null,-0.66684570998928994,-0.7387799486470803,-0.71794703218769995,0.11777093846404996]
["Acquisition / Divestments / Transfers",null,null,null,null,-1.8896438181400298E-10,-6.7376047372818002E-12,6.8709671999999999E-2,0]
["Market performance / Interest credited ",null,null,null,null,0.81763340090025993,1.2335107754018499,0.34824780641442199,1.19965795052496]
["FX impact and other",null,null,null,null,9.7525189854168297E-3,0.10066593364811302,-0.10504086386136412,0.25870625459451513]
["End of period",null,null,null,null,81.848328605994794,81.687788396287402,81.092391635891303,81.4984220535259]
["Off Balance Sheet Institutional Asset Management"]
["Beginning of period",null,null,null,null,66.100429081837348,62.818609125081629,62.477536705920663,60.48225694458786]
["    Deposits",null,null,null,null,7.8005635720209998,5.1635799216895801,2.5701610014921696,3.4362694693994498]
["    Withdrawals / Benefits",null,null,null,null,-3.8263448179057002,-4.5493075447159992,-3.6960820627360902,-4.6837144149800096]
["Net production",null,null,null,null,3.9742187541152996,0.61427237697358095,-1.1259210612439206,-1.2474449455805598]
["Acquisition / Divestments / Transfers",null,null,null,null,9.6087437123060191E-12,0,0,-2.3750588297843899E-14]
["Market performance / Interest credited ",null,null,null,null,0.37649944237669997,2.4461708213092499,1.35561553245626,3.3164995065452798]
["FX impact and other",null,null,null,null,1.347884335468345,0.22137675847284602,0.1113779479486999,-7.3774799631956905E-2]
["End of period",null,null,null,null,71.799031613807301,66.100429081837305,62.8186091250817,62.477536705920599]
["Off Balance Sheet Pension and Mutual Funds business"]
["Beginning of period",null,null,null,null,28.491555081404229,26.561237364759645,27.049981586698369,24.739636018256004]
["    Deposits",null,null,null,null,1.9425836019028699,1.03178232363907,2.08523022644051,1.45439839528495]
["    Withdrawals / Benefits",null,null,null,null,-1.6280990434127101,-0.76574277380858002,-2.1189642437826901,-1.55273809737532]
["Net production",null,null,null,null,0.31448455849015988,0.26603954983048994,-3.3734017342180067E-2,-9.8339702090370018E-2]
["Acquisition / Divestments / Transfers",null,null,null,null,1.0263115167617799E-11,0,0,-5.0035229342885103E-2]
["Market performance / Interest credited ",null,null,null,null,1.0332652782907299,1.3485961561211,-0.31307166429273098,1.5955261548083302]
["FX impact and other",null,null,null,null,0.76880332355551806,0.31568201069296697,-0.141938540303855,0.86319434506731796]
["End of period",null,null,null,null,30.608108241750902,28.491555081404201,26.561237364759602,27.049981586698397]
["Total Client Balances"]
["Beginning of period",null,null,null,null,176.27977255952877,170.47223812573253,171.02594034614495,165.14417987278625]
["    Deposits",null,null,null,null,10.880770537552689,7.4886007658766998,6.1099784213872104,6.8654920727705795]
["    Withdrawals / Benefits",null,null,null,null,-7.2589129349365304,-7.3470687877197012,-7.9875805321610098,-8.093505781977461]
["Net production",null,null,null,null,3.6218576026161582,0.14153197815699858,-1.8776021107737995,-1.2280137092068815]
["Acquisition / Divestments / Transfers",null,null,null,null,-1.6909250617027277E-10,-6.7375898361206061E-12,6.8709671999999999E-2,-5.0035229342908896E-2]
["Market performance / Interest credited ",null,null,null,null,2.2273981215676901,5.0282777528321994,1.3907916745779518,6.1116836118785702]
["FX impact and other",null,null,null,null,2.1264401780092821,0.63772470281392613,-0.13560145621651942,1.0481258000298763]
["End of period",null,null,null,null,184.25546846155279,176.27977255952891,170.47223812573259,171.02594034614492]

{"sheet":"3.3.2 Insurance Benelux CB","index":14,"n_rows":42,"n_cols":9,"rows_kept":42,"cut":false,"hidden":false,"merged":[[42,0,42,7]]}
[]
["INSURANCE 3.3.2 CLIENT BALANCES INSURANCE EURASIA: BENELUX"]
[]
[]
["Insurance: Client balances Insurance Benelux"]
["In EUR billion","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012"]
["Client Balances included on Balance Sheet"]
["Beginning of period",null,null,null,null,70.910285921140002,70.682669621139993,70.833247330139997,69.635939172000008]
["    Deposits",null,null,null,null,0.73898333041467001,0.91061967614976003,1.0922570058988901,1.53722352553668]
["    Withdrawals / Benefits",null,null,null,null,-1.3027141814800001,-1.6441800925399999,-1.71381174906,-1.2677789429200002]
["Net production",null,null,null,null,-0.56373085106533005,-0.73356041639023983,-0.62155474316110992,0.26944458261667981]
["Acquisition / Divestments / Transfers",null,null,null,null,0,0,6.8709671999999999E-2,0]
["Market performance / Interest credited ",null,null,null,null,0.59488148892532999,0.96117671639024105,0.40226736216111203,0.927863575523317]
["FX impact and other",null,null,null,null,0,0,0,0]
["End of period",null,null,null,null,70.941436558999996,70.910285921140002,70.682669621139993,70.833247330139997]
["Off Balance Sheet Institutional Asset Management"]
["Beginning of period",null,null,null,null,0,0,0,0]
["    Deposits",null,null,null,null,0,0,0,0]
["    Withdrawals / Benefits",null,null,null,null,0,0,0,0]
["Net production",null,null,null,null,0,0,0,0]
["Acquisition / Divestments / Transfers",null,null,null,null,0,0,0,0]
["Market performance / Interest credited ",null,null,null,null,0,0,0,0]
["FX impact and other",null,null,null,null,0,0,0,0]
["End of period",null,null,null,null,0,0,0,0]
["Off Balance Sheet Pension and Mutual Funds business"]
["Beginning of period",null,null,null,null,0,0,0,0]
["    Deposits",null,null,null,null,0,0,0,0]
["    Withdrawals / Benefits",null,null,null,null,0,0,0,0]
["Net production",null,null,null,null,0,0,0,0]
["Acquisition / Divestments / Transfers",null,null,null,null,0,0,0,0]
["Market performance / Interest credited ",null,null,null,null,0,0,0,0]
["FX impact and other",null,null,null,null,0,0,0,0]
["End of period",null,null,null,null,0,0,0,0]
["Total Client Balances"]
["Beginning of period",null,null,null,null,70.910285921140002,70.682669621139993,70.833247330139997,69.635939172000008]
["    Deposits",null,null,null,null,0.73898333041467001,0.91061967614976003,1.0922570058988901,1.53722352553668]
["    Withdrawals / Benefits",null,null,null,null,-1.3027141814800001,-1.6441800925399999,-1.71381174906,-1.2677789429200002]
["Net production",null,null,null,null,-0.56373085106533005,-0.73356041639023983,-0.62155474316110992,0.26944458261667981]
["Acquisition / Divestments / Transfers",null,null,null,null,0,0,6.8709671999999999E-2,0]
["Market performance / Interest credited ",null,null,null,null,0.59488148892532999,0.96117671639024105,0.40226736216111203,0.927863575523317]
["FX impact and other",null,null,null,null,0,0,0,0]
["End of period",null,null,null,null,70.941436558999996,70.910285921140002,70.682669621139993,70.833247330139997]

{"sheet":"3.3.3 Insurance CRE CB","index":15,"n_rows":42,"n_cols":9,"rows_kept":42,"cut":false,"hidden":false,"merged":[[42,0,42,7]]}
[]
["INSURANCE 3.3.3 CLIENT BALANCES INSURANCE EURASIA: CRE"]
[]
[]
["Insurance: Client balances Insurance Central & rest of Europe"]
["In EUR billion","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012"]
["Client Balances included on Balance Sheet"]
["Beginning of period",null,null,null,null,10.777193476010638,10.409413015725722,10.664865724360334,10.286038738916785]
["    Deposits",null,null,null,null,0.39864003367839201,0.38261884426552301,0.36233018755564,0.43760068254949097]
["    Withdrawals / Benefits",null,null,null,null,-0.50175489258216999,-0.38783837670221605,-0.458722476582202,-0.58927432670214408]
["Net production",null,null,null,null,-0.10311485890377797,-5.2195324366930418E-3,-9.6392289026561995E-2,-0.15167364415265311]
["Acquisition / Divestments / Transfers",null,null,null,null,0,0,0,0]
["Market performance / Interest credited ",null,null,null,null,0.22275191231643701,0.27233405903751701,-5.4019555746708997E-2,0.27179437500165299]
["FX impact and other",null,null,null,null,9.7525191990016982E-3,0.10066593368415402,-0.10504086386136312,0.25870625459451513]
["End of period",null,null,null,null,10.906583048622299,10.7771934760107,10.409413015725701,10.6648657243603]
["Off Balance Sheet Institutional Asset Management"]
["Beginning of period",null,null,null,null,0,0,0,0]
["    Deposits",null,null,null,null,0,0,0,0]
["    Withdrawals / Benefits",null,null,null,null,0,0,0,0]
["Net production",null,null,null,null,0,0,0,0]
["Acquisition / Divestments / Transfers",null,null,null,null,0,0,0,0]
["Market performance / Interest credited ",null,null,null,null,0,0,0,0]
["FX impact and other",null,null,null,null,0,0,0,0]
["End of period",null,null,null,null,0,0,0,0]
["Off Balance Sheet Pension and Mutual Funds business"]
["Beginning of period",null,null,null,null,17.939320407738048,16.546925455412481,16.577688230643098,14.707580616576816]
["    Deposits",null,null,null,null,0.31603587203871697,0.29328331860162998,0.35280312978231104,0.31451756744686199]
["    Withdrawals / Benefits",null,null,null,null,-8.9799621128441004E-2,-6.6239962197005009E-2,-0.109621127950151,-0.13143719103117699]
["Net production",null,null,null,null,0.22623625091027597,0.22704335640462497,0.24318200183216004,0.183080376415685]
["Acquisition / Divestments / Transfers",null,null,null,null,3.4087896347045897E-11,0,0,-5.0035229342908896E-2]
["Market performance / Interest credited ",null,null,null,null,0.93050590591709992,0.67141864652209493,2.8687486405645002E-2,0.79641643003390006]
["FX impact and other",null,null,null,null,8.271234574698999E-2,0.49393294939879601,-0.30263226346840399,0.94064603695960791]
["End of period",null,null,null,null,19.178774910346501,17.939320407737998,16.546925455412499,16.577688230643101]
["Total Client Balances"]
["Beginning of period",null,null,null,null,28.716513883748686,26.956338471138203,27.242553955003434,24.993619355493603]
["    Deposits",null,null,null,null,0.71467590571710904,0.67590216286715299,0.71513331733795105,0.75211824999635302]
["    Withdrawals / Benefits",null,null,null,null,-0.59155451371061096,-0.45407833889922106,-0.568343604532353,-0.72071151773332109]
["Net production",null,null,null,null,0.12312139200649808,0.22182382396793193,0.14678971280559805,3.1406732263031922E-2]
["Acquisition / Divestments / Transfers",null,null,null,null,3.4087896347045897E-11,0,0,-5.0035229342908896E-2]
["Market performance / Interest credited ",null,null,null,null,1.1532578182335369,0.94375270555961199,-2.5332069341063995E-2,1.068210805035553]
["FX impact and other",null,null,null,null,9.2464864945991682E-2,0.59459888308295006,-0.40767312732976707,1.199352291554123]
["End of period",null,null,null,null,30.0853579589688,28.716513883748696,26.956338471138199,27.242553955003402]

{"sheet":"3.3.4 IIM CB","index":16,"n_rows":42,"n_cols":9,"rows_kept":42,"cut":false,"hidden":false,"merged":[]}
[]
["INSURANCE 3.3.4 CLIENT BALANCES INSURANCE EURASIA: IIM"]
[]
[]
["Insurance: Client balances ING IM Eurasia"]
["In EUR billion","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012"]
["Client Balances included on Balance Sheet"]
["Beginning of period",null,null,null,null,0,0,0,0]
["    Deposits",null,null,null,null,0,0,0,0]
["    Withdrawals / Benefits",null,null,null,null,0,0,0,0]
["Net production",null,null,null,null,0,0,0,0]
["Acquisition / Divestments / Transfers",null,null,null,null,0,0,0,0]
["Market performance / Interest credited ",null,null,null,null,0,0,0,0]
["FX impact and other",null,null,null,null,0,0,0,0]
["End of period",null,null,null,null,0,0,0,0]
["Off Balance Sheet Institutional Asset Management"]
["Beginning of period",null,null,null,null,66.100429081837348,62.818609125081629,62.477536705920663,60.48225694458786]
["    Deposits",null,null,null,null,7.8005635720209998,5.1635799216895801,2.5701610014921696,3.4362694693994498]
["    Withdrawals / Benefits",null,null,null,null,-3.8263448179057002,-4.5493075447159992,-3.6960820627360902,-4.6837144149800096]
["Net production",null,null,null,null,3.9742187541152996,0.61427237697358095,-1.1259210612439206,-1.2474449455805598]
["Acquisition / Divestments / Transfers",null,null,null,null,9.6087437123060191E-12,0,0,-2.3750588297843899E-14]
["Market performance / Interest credited ",null,null,null,null,0.37649944237669997,2.4461708213092499,1.35561553245626,3.3164995065452798]
["FX impact and other",null,null,null,null,1.347884335468345,0.22137675847284602,0.1113779479486999,-7.3774799631956905E-2]
["End of period",null,null,null,null,71.799031613807301,66.100429081837305,62.8186091250817,62.477536705920599]
["Off Balance Sheet Pension and Mutual Funds business"]
["Beginning of period",null,null,null,null,10.552234673072967,10.014311908755955,10.472293355464069,10.032055401087996]
["    Deposits",null,null,null,null,1.6265477298674,0.73849900503583998,1.7324270966582,1.1398808278380899]
["    Withdrawals / Benefits",null,null,null,null,-1.5382994222872701,-0.69950281160774008,-2.0093431158325399,-1.42130090634415]
["Net production",null,null,null,null,8.8248307580129914E-2,3.8996193428099901E-2,-0.27691601917433983,-0.2814200785060601]
["Acquisition / Divestments / Transfers",null,null,null,null,-2.3824719712138199E-11,0,0,2.3750588297843899E-14]
["Market performance / Interest credited ",null,null,null,null,0.10275937237718999,0.67717750959482803,-0.34175915069837803,0.79910972477442999]
["FX impact and other",null,null,null,null,0.68609097780903894,-0.17825093870588299,0.160693723164549,-7.7451691892289995E-2]
["End of period",null,null,null,null,11.429333330815501,10.552234673073,10.0143119087559,10.4722933554641]
["Total Client Balances"]
["Beginning of period",null,null,null,null,76.652663754910307,72.832921033837565,72.949830061384745,70.514312345675862]
["    Deposits",null,null,null,null,9.4271113018883987,5.9020789267254203,4.3025880981503697,4.5761502972375405]
["    Withdrawals / Benefits",null,null,null,null,-5.3646442401929706,-5.24881035632374,-5.7054251785686301,-6.10501532132416]
["Net production",null,null,null,null,4.0624670616954281,0.65326857040168029,-1.4028370804182604,-1.5288650240866195]
["Acquisition / Divestments / Transfers",null,null,null,null,-1.4216005802154499E-11,0,0,0]
["Market performance / Interest credited ",null,null,null,null,0.47925881475388904,3.1233483309040797,1.0138563817578801,4.1156092313197101]
["FX impact and other",null,null,null,null,2.0339753132773861,4.3125819766963031E-2,0.27207167111324898,-0.15122649152424697]
["End of period",null,null,null,null,83.228364944622797,76.652663754910293,72.832921033837607,72.949830061384702]

{"sheet":"3.4 Ins. Add. info by country","index":17,"n_rows":39,"n_cols":11,"rows_kept":39,"cut":false,"hidden":false,"merged":[]}
[]
["INSURANCE 3.4 ADDITIONAL INFORMATION: KEY FIGURES BY COUNTRY"]
[]
[]
["Insurance: Gross written premiums by country"]
["In EUR million","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012","FY2013","FY2012"]
["Netherlands",null,null,null,null,887.39363992999995,943.95189264999999,1058.61248127,2371.7375976399999,null,5261.6956114900004]
["Belgium / Luxembourg",null,null,null,null,190.49930234000001,193.60149455999999,246.52523281000001,263.14817739,null,893.77420710000001]
["Insurance Benelux",null,null,null,null,1077.89294227,1137.55338721,1305.13771408,2634.8857750300003,null,6155.4698185900006]
["Poland",null,null,null,null,92.538098595060802,93.4155461593854,97.157623373399403,137.45725175975201,null,420.56851988759763]
["Czech Republic",null,null,null,null,88.806538974649101,87.704141828995205,81.081275303863009,90.901862314111312,null,348.49381842161858]
["Hungary",null,null,null,null,61.816515238075198,53.723375014551202,50.663237756295004,53.663134605663998,null,219.86626261458539]
["Spain",null,null,null,null,119.63295245,83.71850640000001,104.75712668999999,104.70406847,null,412.81265401000002]
["Other",null,null,null,null,127.30115508232288,138.56742609650416,119.7040137086416,148.43989102786264,null,534.01248591533124]
["Insurance CRE",null,null,null,null,490.09526034010798,457.12899549943603,453.36327683219901,535.16620817738999,null,1935.753740849133]
[]
["Insurance: Underlying result before tax by country"]
["In EUR million","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012","FY2013","FY2012"]
["Netherlands",null,null,null,null,11.333253659997899,10.242493710001501,-101.486353930001,3.6712072500007702,null,-76.239399310000834]
["Belgium / Luxembourg",null,null,null,null,-3.8081380400001899,9.7156272744998002,-9.5228294444998891,-11.198358670000101,null,-14.813698880000377]
["Insurance Benelux",null,null,null,null,7.5251156199991094,19.958120984498198,-111.00918337450101,-7.5271514199997904,null,-91.053098190003496]
["Poland",null,null,null,null,24.5800448521784,30.0402307333094,26.071177020189502,28.561364578796301,null,109.25281718447361]
["Czech Republic",null,null,null,null,11.2772328076028,8.3499023030375596,9.9470430636119698,9.345813163577839,null,38.919991337830169]
["Hungary",null,null,null,null,0.187775128861223,3.1262260911637401,1.5513445103086101,-6.7513912999383496,null,-1.8860455696047767]
["Spain",null,null,null,null,9.6869663599998717,-1.5443027800000799,14.290386960000099,-2.5672492600000196,null,19.865801279999872]
["Other",null,null,null,null,9.2980218150029046,2.8066482899237819,1.6268964885907167,-9.8865665768379678,null,3.8450000166794354]
["Insurance CRE",null,null,null,null,55.030040963645199,42.778704637434402,53.486848042700899,18.701970605597801,null,169.99756424937831]
[]
["Insurance: New sales (APE) by country"]
["In EUR million","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012","FY2013","FY2012"]
["Netherlands",null,null,null,null,39.4877173,44.735346100000001,77.72793089999999,95.312331499999999,null,257.26332579999996]
["Belgium / Luxembourg",null,null,null,null,39.967681554560002,23.695298395769999,33.668036791219997,32.171128523999997,null,129.50214526554998]
["Insurance Benelux",null,null,null,null,79.455398854560002,68.430644495769997,111.39596769121999,127.483460024,null,386.76547106555006]
["Poland",null,null,null,null,18.422325309450102,17.444346421721498,16.42373668806173,26.881194410658868,null,79.171602829892208]
["Czech Republic",null,null,null,null,18.643257485492562,10.99840964182652,14.07711472455019,9.0226744579899663,null,52.741456309859238]
["Hungary",null,null,null,null,7.3525115480443999,5.0420767206814716,4.9421048453683696,9.2433491368979794,null,26.580042250992221]
["Spain",null,null,null,null,15.548249300000002,10.5908444,15.7732312,21.977223899999998,null,63.8895488]
["Other",null,null,null,null,58.74742973177532,40.790605180534719,35.608448974043,38.836896753166286,null,173.98338063951934]
["Insurance CRE",null,null,null,null,118.7137733747624,84.866282364764203,86.824636432023297,105.96133865871309,null,396.36603083026301]

{"sheet":"3.5 Ins. Add. info non-life","index":18,"n_rows":32,"n_cols":11,"rows_kept":32,"cut":false,"hidden":false,"merged":[]}
[]
["INSURANCE 3.5 ADDITIONAL INFORMATION INSURANCE EURASIA: BENELUX NON-LIFE"]
[]
[]
["Non-life insurance Benelux 1)"]
["In EUR million","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012","FY2013","FY2012"]
["Combined ratio",null,null,null,null,1.028,1.0409999999999999,1.04,1.0549999999999999,null,1.028]
["Claims ratio",null,null,null,null,0.72199999999999998,0.73599999999999999,0.73699999999999999,0.75900000000000001,null,0.72199999999999998]
["Expense ratio",null,null,null,null,0.307,0.30499999999999999,0.30299999999999999,0.29499999999999998,null,0.307]
["1) Year-to-date basis"]
[]
["Gross premiums by line of business"]
["In EUR million","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012","FY2013","FY2012"]
["Fire",null,null,null,null,86.335250689999995,90.437890379999999,89.843243079999993,142.78152850000001,null,409.39791265000002]
["Marine & Aviation",null,null,null,null,3.6227429999999998,3.9650669999999999,4.4960579999999997,11.78041,null,23.864278000000002]
["Motor",null,null,null,null,68.849536000000001,71.356071999999998,70.675089,118.41858000000001,null,329.29927700000002]
["Health",null,null,null,null,0,0,0,0,null,0]
["Income/Accident",null,null,null,null,78.708173739999992,115.577916,115.148751,433.42683699999998,null,742.86167773999989]
["Miscellaneous",null,null,null,null,30.924796209999997,32.296473709999994,31.730065150000005,85.189934120000004,null,180.14126919]
["Indirect business",null,null,null,null,1.4505000000000001E-2,2.0163959999999999,0.28344000000000003,0.42003699999999999,null,2.734378]
["Total",null,null,null,null,268.45500463999997,315.64981508999995,312.17664623000002,792.01732661999995,null,1688.2987925799998]
[]
["Underlying result before tax by line of business"]
["In EUR million","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012","FY2013","FY2012"]
["Fire",null,null,null,null,11.1308604211979,12.229162548802201,3.8705193799999495,-1.12865736999996,null,26.10188498000009]
["Marine & Aviation",null,null,null,null,1.5540959999999999,-0.62240499999999999,1.5876410000000001,-0.98753399999999991,null,1.5317980000000002]
["Motor",null,null,null,null,4.6829161300000512,-10.390230410000008,-0.26883837999999871,-4.9883623200000002,null,-10.964514979999954]
["Health",null,null,null,null,0,0,0,0,null,0]
["Income/Accident",null,null,null,null,8.1946837099999996,-1.02681811000004,3.3104777100000904,-7.3159809200000003,null,3]
["Miscellaneous",null,null,null,null,11.908562777667051,12.90348598233299,12.438178890000005,9.7051938599999996,null,46.589421510000044]
["Indirect business",null,null,null,null,0.66343099999999999,0.56099699999999997,-0.50937299999999996,0.22492599999999999,null,0.93998099999999996]
["Total",null,null,null,null,38.134550038865299,13.654192011135001,20.426605600000098,-4.4894147500000594,null,67.725932900000345]

{"sheet":"3.6 Ins. Additional info IIM","index":19,"n_rows":27,"n_cols":9,"rows_kept":27,"cut":false,"hidden":false,"merged":[]}
[]
["INSURANCE 3.6 ADDITIONAL INFORMATION INSURANCE EURASIA: IIM"]
[]
[]
["Assets under Management (AUM) and Assets under Administration (AUA)"]
["In EUR billion","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012"]
["Proprietary (general account assets)",null,null,null,null,78.977825276750508,75.550345288118194,73.42741981747271,70.597335305630708]
["Retail",null,null,null,null,44.220780390862807,43.176225221788975,41.918285175953642,43.135156667043937]
["Institutional",null,null,null,null,61.596528415913198,61.189857506145202,58.175150180597107,58.9669171551337]
["Total Assets under Management",null,null,null,null,184.79513408352653,179.91642801605235,173.52085517402347,172.69940912780834]
["Assets under Administration",null,null,null,null,28.0557638254922,22.054217700427397,21.385921957069801,19.851582198366696]
[]
["AUM by investor category and Investor class"]
["In EUR billion","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012"]
["Equity",null,null,null,null,31.962547378619007,33.321318200467843,32.682662791464338,34.917866719050117]
["Fixed income",null,null,null,null,147.52844358658899,141.76650409594899,136.79100101222099,133.70263679324299]
["Money Market",null,null,null,null,5.3041431217969306,4.8286057236972901,4.0471913796177601,4.0789056159790702]
["Total",null,null,null,null,184.79513408700493,179.91642802011413,173.5208551833031,172.69940912827218]
[]
["AUM rollforward"]
["In EUR billion","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012"]
["Beginning of period",null,null,null,null,179.91642801605201,173.52085517402398,172.699409127808,168.736455723337]
["Net inflow",null,null,null,null,3.2651011176254103,0.9066989259726943,-1.6671327017489965,-2.5937228855302238E-2]
["Acquisition/ Divestments",null,null,null,null,-4.4729089736938501E-10,0,0,0]
["Market performance",null,null,null,null,4.1980522272126022,5.5288882328979101,1.3138276547128889,4.6354443113547008]
["FX impact and other",null,null,null,null,-2.5844472769164994,-4.0014316841633618E-2,1.174751093251291,-0.64655367802814689]
["End of period",null,null,null,null,184.79513408352699,179.91642801605201,173.52085517402398,172.699409127808]

{"sheet":"4.1.1 Ins. US Total P&L","index":20,"n_rows":38,"n_cols":11,"rows_kept":38,"cut":false,"hidden":false,"merged":[]}
[]
["INSURANCE 4.1.1 PROFIT AND LOSS INSURANCE US: TOTAL"]
[]
[]
["Insurance: Profit and loss Total Insurance US"]
["In EUR million","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012","FY2013","FY2012"]
["Gross premium income",null,null,null,null,3089.68591766601,3081.5616832169399,3039.2875165605601,2952.2648055601003,null,12162.799923003611]
["Commission income",null,null,null,null,229.630520877724,207.25105137655402,207.95904652086898,199.61730548485102,null,844.45792425999798]
["Total investment and other income",null,null,null,null,656.89325087703298,174.99267278888499,1826.88836196699,-455.21253322673203,null,2203.5617524061763]
["Total underlying income",null,null,null,null,3976.2096894207702,3463.8054073823801,5074.13492504841,2696.6695778182202,null,15210.81959966978]
["Reinsurance and retrocession premiums",null,null,null,null,416.96500706095395,369.510182317964,435.99017300274801,378.344275338633,null,1600.809637720299]
["Net benefits Life insurance for risk company and Non-Life  claims incurred",null,null,null,null,3358.08338820995,3613.4757172567402,4189.4385115308596,3514.88217611862,null,14675.87979311617]
["Changes in Life insurance provisions for risk company",null,null,null,null,-801.61426459278402,-991.13232416104995,-677.91249502550897,-1628.618478891,null,-4099.2775626703433]
["Result sharing and rebates",null,null,null,null,34.4362579440307,-18.940946201921999,52.469106183772496,10.189760580618699,null,78.154178506499889]
["Change in deferred acquisition costs",null,null,null,null,38.495657355704999,-190.04301967340001,-0.29042961709262999,-5.6336266045149097,null,-157.47141853930256]
["Other underwriting expenditure (incl. change in provision unearned premiums)",null,null,null,null,213.329582344192,218.35198042341102,261.821891403368,234.51094021907602,null,928.01439439004707]
["Underwriting expenditure",null,null,null,null,3259.6956283220502,3001.2215899617399,4261.5167574781499,2503.6750467614297,null,13026.109022523369]
["Staff expenses",null,null,null,null,219.09311851592901,228.05638449742202,212.28983311607001,205.44897581763101,null,864.88831194705199]
["Other expenses",null,null,null,null,157.69228715551498,146.58491549657199,212.90055215789101,166.29351833041,null,683.47127314038789]
["Operating expenses",null,null,null,null,376.78540567144398,374.64129999399501,425.19038527395998,371.74249414804103,null,1548.3595850874399]
["Interest expenses",null,null,null,null,33.419477732499502,39.572925574932704,38.205827162369303,19.152903972083799,null,130.35113444188531]
["Other",null,null,null,null,2.0306241915845602,2.1090185891785196,2.0161664285528897,1.95604051940987,null,8.11184972872584]
["Total underlying expenditure",null,null,null,null,3671.9311359175699,3417.5448341198503,4726.9291363430402,2896.5264854009602,null,14712.93159178142]
["Underlying result before tax",null,null,null,null,304.27855350319498,46.260573262527501,347.20578870537798,-199.85690758273898,null,497.88800788836147]
["Taxation",null,null,null,null,-10.8386375795923,55.164013567816305,-58.604803790037401,-5.6322585120069899,null,-19.91168631382039]
["Minority interests",null,null,null,null,-4.5420861097851999,12.471583609320199,0,0,null,7.9294974995349987]
["Underlying net result",null,null,null,null,319.65927719257598,-21.3750239146128,405.81059249541698,-194.224649070732,null,509.87019670264817]
["Net gains/losses on divestments",null,null,null,null,0,0,17.6024643450083,0,null,17.6024643450083]
["Net results from divested units",null,null,null,null,0,0,0,0,null,0]
["Net result from discontinued operations",null,null,null,null,0,0,0,0,null,0]
["Special items after tax",null,null,null,null,-18.935462436299201,-25.505213274075999,-9.3963733990603,-11.4318190868151,null,-65.268868196250594]
["Net result",null,null,null,null,300.72381475627498,-46.880237188684504,414.016683441363,-205.65646815754701,null,462.20379285140643]
["New business figures"]
["Single premiums",null,null,null,null,3043.7615126658602,2022.50789293966,1982.6986929171101,1879.76563276709,null,8928.7337312897198]
["Annual premiums ",null,null,null,null,250.85598455757599,271.85175592303699,271.09897886361006,360.40669943182701,null,1154.21341877605]
["New sales (APE)",null,null,null,null,555.23213582416201,474.10254521700301,469.36884815532107,548.38326270853599,null,2047.086791905022]
["Other key figures"]
["Employees (FTEs, end of period)",null,null,null,null,7011,7117,8343,8351,null,7011]

{"sheet":"4.1.2 Ins. US P&L","index":21,"n_rows":37,"n_cols":11,"rows_kept":37,"cut":false,"hidden":false,"merged":[]}
[]
["INSURANCE 4.1.2 PROFIT AND LOSS INSURANCE US: UNITED STATES"]
[]
[]
["Insurance: Profit and loss Insurance US"]
["In EUR million","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012","FY2013","FY2012"]
["Gross premium income",null,null,null,null,2986.9413643982302,2983.51993270307,2925.2009554869301,2848.3493482143799,null,11744.011600802609]
["Commission income",null,null,null,null,66.518467142845495,65.056093327157498,69.481227728873591,62.906449307809893,null,263.96223750668651]
["Total investment and other income",null,null,null,null,835.72697086289702,781.20752608475698,1013.5488836511601,853.80763203850802,null,3484.2910126373217]
["Total underlying income",null,null,null,null,3889.18680240397,3829.78355211498,4008.2310668669602,3765.0634295607001,null,15492.264850946611]
["Reinsurance and retrocession premiums",null,null,null,null,416.28219712106403,368.18333890782702,434.883361675873,377.35611420575498,null,1596.705011910519]
["Net benefits Life insurance for risk company and Non-Life  claims incurred",null,null,null,null,2527.4182741336499,2857.5064710785,3354.74161178852,2720.4733382024497,null,11460.139695203119]
["Changes in Life insurance provisions for risk company",null,null,null,null,235.778392931339,-21.465649108180003,-509.96027445404098,11.6836763983707,null,-283.96385423251127]
["Result sharing and rebates",null,null,null,null,34.4362579440307,-18.940946201921999,52.469106183772496,10.189760580618699,null,78.154178506499889]
["Change in deferred acquisition costs",null,null,null,null,51.011277630292994,-189.922031044932,-0.36634221856369997,-5.7209277584985001,null,-144.9980233917012]
["Other underwriting expenditure (incl. change in provision unearned premiums)",null,null,null,null,159.44843036749,164.55864405878498,199.26813092914401,180.93388828687699,null,704.2090936422959]
["Underwriting expenditure",null,null,null,null,3424.3748301278802,3159.9198276900802,3531.0355939046999,3294.9158499155797,null,13410.24610163824]
["Operating expenses",null,null,null,null,263.63162038572403,265.15790926719501,318.42138587586896,271.425524237405,null,1118.636439766193]
["Interest expenses",null,null,null,null,6.4993425012942305,7.1839524946445499,13.5417391449063,7.8814349192134001,null,35.10646906005848]
["Other",null,null,null,null,0,0,0,0,null,0]
["Total underlying expenditure",null,null,null,null,3694.5057930148901,3432.2616894519201,3862.9987189254798,3574.2228090721896,null,14563.98901046448]
["Underlying result before tax",null,null,null,null,194.68100938908501,397.52186266305796,145.23234794147501,190.84062048850399,null,928.27584048212202]
["Taxation",null,null,null,null,51.025861576926594,133.77879288103301,40.200840872382607,58.351845340633403,null,283.35734067097565]
["Minority interests",null,null,null,null,0,0,0,0,null,0]
["Underlying net result",null,null,null,null,143.655147812161,263.74306978202401,105.03150706909301,132.488775147871,null,644.91849981114899]
["Net gains/losses on divestments",null,null,null,null,0,0,0,0,null,0]
["Net results from divested units",null,null,null,null,0,0,0,0,null,0]
["Net result from discontinued operations",null,null,null,null,0,0,0,0,null,0]
["Special items after tax",null,null,null,null,-18.935462436299201,-25.505213274075999,-9.3963733990603,-11.4318190868151,null,-65.268868196250594]
["Net result",null,null,null,null,124.719685375862,238.237856507949,95.635133670032801,121.056956061055,null,579.64963161489879]
["New business figures"]
["Single premiums",null,null,null,null,3043.7615126658602,2022.50789293966,1982.6986929171101,1879.76563276709,null,8928.7337312897198]
["Annual premiums",null,null,null,null,250.85598455757599,271.85175592303699,271.09897886361006,360.40669943182701,null,1154.21341877605]
["New sales (APE)",null,null,null,null,555.23213582416201,474.10254521700301,469.36884815532107,548.38326270853599,null,2047.086791905022]
["Other key figures"]
["Employees (FTEs, end of period)1)",null,null,null,null,6083,6181,7399,7397,null,6083]
["1 US Closed Block VA FTEs are included in Insurance US FTEs."]

{"sheet":"4.1.3 Ins. US IM P&L","index":22,"n_rows":32,"n_cols":11,"rows_kept":32,"cut":false,"hidden":false,"merged":[[32,0,32,10]]}
[]
["INSURANCE 4.1.3 PROFIT AND LOSS INSURANCE US: IIM"]
[]
[]
["Insurance: Profit and loss ING IM US"]
["In EUR million","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012","FY2013","FY2012"]
["Gross premium income",null,null,null,null,0,0,0,0,null,0]
["Commission income",null,null,null,null,105.86342973223699,100.595034496031,91.989460665492302,95.211742001139896,null,393.65966689490017]
["Total investment and other income",null,null,null,null,0.17165752187481501,26.206494978936,10.600622197485301,4.0593520898808899,null,41.038126788177003]
["Total underlying income",null,null,null,null,106.035087254111,126.801529474967,102.59008286297799,99.2710940910208,null,434.69779368307672]
["Reinsurance and retrocession premiums",null,null,null,null,0,0,0,0,null,0]
["Net benefits Life insurance for risk company and Non-Life  claims incurred",null,null,null,null,0,0,0,0,null,0]
["Changes in Life insurance provisions for risk company",null,null,null,null,0,0,0,0,null,0]
["Result sharing and rebates",null,null,null,null,0,0,0,0,null,0]
["Change in deferred acquisition costs",null,null,null,null,-0.23043535811994101,-0.12098862846828,7.5912601471065599E-2,8.7301153983591395E-2,null,-0.188210231133564]
["Other underwriting expenditure (incl. change in provision unearned premiums)",null,null,null,null,0.71943396170739005,0.72292342205867299,0.53433241386927799,0.56681020676110605,null,2.5435000043964471]
["Underwriting expenditure",null,null,null,null,0.48899860358744901,0.60193479359039304,0.61024501534034403,0.654111360744697,null,2.355289773262883]
["Operating expenses",null,null,null,null,89.411529891711297,85.193183597884897,79.710397631215002,76.364866142017902,null,330.67997726282908]
["Interest expenses",null,null,null,null,0.67628072712343001,0.57071030431027003,0.61624642437030397,0.13064737686140598,null,1.9938848326654099]
["Other",null,null,null,null,0,0,0,0,null,0]
["Total underlying expenditure",null,null,null,null,90.576809222422199,86.365828695785495,80.936889070925702,77.149624879624,null,335.02915186875742]
["Underlying result before tax",null,null,null,null,15.4582780316894,40.435700779180898,21.653193792051901,22.1214692113968,null,99.668641814319002]
["Taxation",null,null,null,null,2.8067654892051404,5.7150592874625401,11.061377062773401,9.8027778902761806,null,29.385979729717263]
["Minority interests",null,null,null,null,-4.5420861097851999,12.471583609320199,0,0,null,7.9294974995349987]
["Underlying net result",null,null,null,null,17.193598652269401,22.249057882398301,10.591816729278499,12.3186913211206,null,62.3531645850668]
["Net gains/losses on divestments",null,null,null,null,0,0,0,0,null,0]
["Net results from divested units",null,null,null,null,0,0,0,0,null,0]
["Net result from discontinued operations",null,null,null,null,0,0,0,0,null,0]
["Special items after tax",null,null,null,null,0,0,0,0,null,0]
["Net result",null,null,null,null,17.193598652269401,22.249057882398301,10.591816729278499,12.3186913211206,null,62.3531645850668]
["Key figures"]
["Employees (FTEs, end of period)",null,null,null,null,928,936,944,954,null,928]

{"sheet":"4.1.4 Ins. US VA P&L","index":23,"n_rows":37,"n_cols":11,"rows_kept":37,"cut":false,"hidden":false,"merged":[]}
[]
["INSURANCE 4.1.4 PROFIT AND LOSS INSURANCE US: US CLOSED BLOCK VA"]
[]
[]
["Insurance: Profit and loss US Closed Block VA"]
["In EUR million","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012","FY2013","FY2012"]
["Gross premium income",null,null,null,null,102.74455326780499,98.041750513870994,114.08656107362799,103.91545734572401,null,418.78832220102794]
["Commission income",null,null,null,null,57.248624002643197,41.599923553364903,46.488358126502902,41.4991141759022,null,186.83601985841321]
["Total investment and other income",null,null,null,null,-175.31889934582,-632.68452531189803,803.58001514356999,-1311.71393195268,null,-1316.137341466828]
["Total underlying income",null,null,null,null,-15.325722075371699,-493.04285124466196,964.15493434370103,-1166.29936043106,null,-710.51299940739261]
["Reinsurance and retrocession premiums",null,null,null,null,0.68280993988464,1.32684341013718,1.1068113268752899,0.98816113287809204,null,4.104625809775202]
["Net benefits Life insurance for risk company and Non-Life  claims incurred",null,null,null,null,830.66511407631197,755.96924617825903,834.69689974233995,794.33991021205793,null,3215.6711702089692]
["Changes in Life insurance provisions for risk company",null,null,null,null,-1037.3926575241301,-969.66667505286898,-167.95222057146799,-1640.3021552893701,null,-3815.3137084378368]
["Result sharing and rebates",null,null,null,null,0,0,0,0,null,0]
["Change in deferred acquisition costs",null,null,null,null,-12.2851849164678,0,0,0,null,-12.2851849164678]
["Other underwriting expenditure (incl. change in provision unearned premiums)",null,null,null,null,43.064030056265103,42.6234793479492,53.032155284408304,38.923895219970895,null,177.64355990859349]
["Underwriting expenditure",null,null,null,null,-175.26588836813102,-169.74710611652401,720.88364578215601,-806.05018872446703,null,-430.17953742696602]
["Operating expenses",null,null,null,null,23.742255394009298,24.290207128915501,27.058601766875302,23.952103768617501,null,99.043168058417592]
["Interest expenses",null,null,null,null,1.8976658468171999E-3,6.0999541412636998E-3,6.9863608231259203E-3,6.4635396843165799E-3,null,2.1447520495523398E-2]
["Other",null,null,null,null,0,0,0,0,null,0]
["Total underlying expenditure",null,null,null,null,-151.52173530827599,-145.450799033468,747.94923390985502,-782.09162141616503,null,-331.114921848054]
["Underlying result before tax",null,null,null,null,136.196013232902,-347.59205221119396,216.205700433846,-384.20773901489196,null,-379.39807755933793]
["Taxation",null,null,null,null,-39.746110200313204,-67.483109576549907,-96.004102818294399,-64.028269135588602,null,-267.26159173074609]
["Minority interests",null,null,null,null,0,0,0,0,null,0]
["Underlying net result",null,null,null,null,175.94212343321601,-280.108942634644,312.209803252141,-320.17946987930299,null,-112.13648582858997]
["Net gains/losses on divestments",null,null,null,null,0,0,0,0,null,0]
["Net results from divested units",null,null,null,null,0,0,0,0,null,0]
["Net result from discontinued operations",null,null,null,null,0,0,0,0,null,0]
["Special items after tax",null,null,null,null,0,0,0,0,null,0]
["Net result",null,null,null,null,175.94212343321601,-280.108942634644,312.209803252141,-320.17946987930299,null,-112.13648582858997]
["New business figures"]
["Single premiums",null,null,null,null,0,0,0,0,null,0]
["Annual premiums",null,null,null,null,0,0,0,0,null,0]
["New sales (APE)",null,null,null,null,0,0,0,0,null,0]
["Other key figures"]
["Employees (FTEs, end of period)1)",null,null,null,null,null,null,null,null,null,0]
["1 US Closed Block VA FTEs are included in Insurance US FTEs."]

{"sheet":"4.1.5 Ins. US CL P&L","index":24,"n_rows":30,"n_cols":11,"rows_kept":30,"cut":false,"hidden":false,"merged":[[30,0,30,10]]}
[]
["INSURANCE 4.1.5 PROFIT AND LOSS INSURANCE US: CORPORATE LINE"]
[]
[]
["Insurance: Profit and loss Corporate line US"]
["In EUR million","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012","FY2013","FY2012"]
["Gross premium income",null,null,null,null,-2.5195845410053153E-11,-1.1652900866465643E-12,2.0463630789890885E-12,-3.637978807091713E-12,null,-2.7952751224802341E-11]
["Commission income",null,null,null,null,-1.7053025658242404E-12,6.1106675275368616E-13,1.8474111129762605E-13,-9.6633812063373625E-13,null,-1.8758328224066645E-12]
["Total investment and other income",null,null,null,null,-3.6864781619188509,0.26317703709003837,-0.84115902522531627,-1.3655854024408152,null,-5.630045552494944]
["Total underlying income",null,null,null,null,-3.6864781619390357,0.26317703709500506,-0.84115902522924557,-1.3655854024407148,null,-5.630045552513991]
["Reinsurance and retrocession premiums",null,null,null,null,5.2812199058394071E-12,-2.0650148258027912E-13,-2.8599345114344032E-13,-7.2497563508022722E-14,null,4.716227408607665E-12]
["Net benefits Life insurance for risk company and Non-Life  claims incurred",null,null,null,null,-1.1823431123048067E-11,-1.8872015061788261E-11,-3.4106051316484809E-13,6.8927704112411448E-2,null,6.8927704081374941E-2]
["Changes in Life insurance provisions for risk company",null,null,null,null,7.0485839387401938E-12,-1.0231815394945443E-12,0,-4.5474735088646412E-13,null,5.5706550483591855E-12]
["Result sharing and rebates",null,null,null,null,0,0,0,0,null,0]
["Change in deferred acquisition costs",null,null,null,null,-2.5376922785369516E-13,2.6760538229808617E-13,4.3853809472693683E-15,-9.9920072216264089E-16,null,1.7222334669497741E-14]
["Other underwriting expenditure (incl. change in provision unearned premiums)",null,null,null,null,10.097687958729507,10.446933594618171,8.9872727759464102,14.086346505467025,null,43.618240834761117]
["Underwriting expenditure",null,null,null,null,10.097687958713605,10.44693359459337,8.9872727759536239,14.155274209572401,null,43.687168538832999]
["Operating expenses",null,null,null,null,-6.5369931689929217E-13,-3.979039320256561E-13,7.1054273576010019E-13,6.2527760746888816E-13,null,2.8421709430404007E-13]
["Interest expenses",null,null,null,null,26.241956838235026,31.812162821836619,24.040855232269571,11.134358136324675,null,93.229333028665891]
["Other",null,null,null,null,2.0306241915845602,2.1090185891785196,2.0161664285528897,1.95604051940987,null,8.11184972872584]
["Total underlying expenditure",null,null,null,null,38.370268988533653,44.36811500561268,35.044294436779694,27.245672865311533,null,145.02835129623756]
["Underlying result before tax",null,null,null,null,-42.056747150481428,-44.104937968517412,-35.885453461994935,-28.611258267747814,null,-150.65839684874157]
["Taxation",null,null,null,null,-24.925154445410833,-16.846729024129335,-13.86291890689901,-9.758612607327974,null,-65.393414983767144]
["Minority interests",null,null,null,null,0,0,0,0,null,0]
["Underlying net result",null,null,null,null,-17.131592705070432,-27.258208944391139,-22.022534555095554,-18.85264566042061,null,-85.264981864977742]
["Net gains/losses on divestments",null,null,null,null,0,0,17.6024643450083,0,null,17.6024643450083]
["Net results from divested units",null,null,null,null,0,0,0,0,null,0]
["Net result from discontinued operations",null,null,null,null,0,0,0,0,null,0]
["Special items after tax",null,null,null,null,0,0,0,0,null,0]
["Net result",null,null,null,null,-17.13159270507245,-27.258208944387842,-4.4200702100893139,-18.852645660419643,null,-67.662517519969242]

{"sheet":"4.2.1 Ins. US TOT MA","index":25,"n_rows":32,"n_cols":11,"rows_kept":32,"cut":false,"hidden":false,"merged":[]}
[]
["INSURANCE 4.2.1 MARGIN ANALYSIS INSURANCE US: TOTAL"]
[]
[]
["Insurance: Margin analysis Total Insurance US"]
["In EUR million","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012","FY2013","FY2012"]
["Margin analysis"]
["Investment margin",null,null,null,null,265.59343394700829,279.32249592080353,278.45984502121701,269.45750238029109,null,1092.8332772693198]
["Fees and premium based revenues",null,null,null,null,431.55022494000349,427.99615737608468,414.45691349561679,407.61933948384728,null,1681.6226352955523]
["Technical margin",null,null,null,null,35.474433579345394,32.944190078403061,-7.2921243018287205,1.3722300918736601,null,62.498729447793394]
["Income non-modelled life business",null,null,null,null,-6.1639933690571524E-7,-5.2912706394181441E-7,6.9408539715709594E-7,-1.6016183934652872E-7,null,-6.1160284303696244E-7]
["Life & ING IM operating income       ",null,null,null,null,732.61809184995309,740.26284284608437,685.62463490909397,678.4490717958555,null,2836.9546414009869]
["Administrative expenses",null,null,null,null,334.12533209485628,327.23990248990646,329.03543851096049,321.49456984097634,null,1311.8952429366996]
["DAC amortisation and trail commissions ",null,null,null,null,220.39066358572347,234.75467901791953,219.95596869485274,210.51542212404021,null,885.61673342253596]
["Life & ING IM expenses       ",null,null,null,null,554.51599568058282,561.99458150782573,548.99140720581318,532.00999196501562,null,2197.5119763592375]
["Life & ING IM operating result       ",null,null,null,null,178.10209616936231,178.2682613382749,136.6332277032877,146.43907983084091,null,639.44266504176585]
["Non-life operating result    ",null,null,null,null,0,0,0,0,null,0]
["Corporate line operating result",null,null,null,null,-42.056747150469803,-44.104937968542906,-35.885453461999703,-28.611258267747303,null,-150.65839684875971]
["Operating result",null,null,null,null,136.045349018883,134.163323369751,100.747774241293,117.82782156309401,null,488.78426819302103]
["Gains/losses and impairments",null,null,null,null,-28.712893396657702,40.740967602366403,6.1291291417540501,34.112008825510401,null,52.269212172973141]
["Revaluations",null,null,null,null,72.395352407022301,39.0342541169193,52.551363702845798,37.873616322113001,null,201.85458654890039]
["Market & other impacts",null,null,null,null,124.55074547395,-167.67797182651401,187.77752161948499,-389.670354293456,null,-245.02005902653499]
["Underlying result before tax",null,null,null,null,304.27855350319498,46.260573262527501,347.20578870537798,-199.85690758273898,null,497.88800788836147]
["Key figures"]
["Gross premium income",null,null,null,null,3089.68591766601,3081.5616832169399,3039.2875165605601,2952.2648055601003,null,12162.799923003611]
["Administrative expenses / operating income (Life & ING IM)",null,null,null,null,0.45566166439290584,0.44189189189189187,0.47959183673469385,0.47345132743362833,null,0.462460345435319]
["Life general account invested assets (end of period, in EUR billion)",null,null,null,null,65.432000000000002,66.176000000000002,69.100999999999999,63.63,null,65.432000000000002]
["Investment margin / Life general account invested assets (four quarter rolling average, in bps)",null,null,null,null,165,162,158,153]
["Prov. for life insurance & investm. contracts for risk policyholder (in EUR billion, end of period)",null,null,null,null,71.846196182569329,74.513336807860398,73.829133730344623,72.704884056635478,null,71.846196182569329]
["Net production Client balances (in EUR billion)",null,null,null,null,2.4047772180804605,-1.1914123031121089,-1.2745039203328206,-1.2827159107869701,null,-1.343854916151439]
["Client balances (end of period, in EUR billion)",null,null,null,null,179.94867571345571,179.51318053368868,180.08545691877276,172.62607447451111,null,179.94867571345571]
["Administrative expenses (total)",null,null,null,null,334.12533209485298,327.239902489911,329.035438510961,321.49456984097702,null,1311.8952429367018]

{"sheet":"4.2.2 Ins. US MA ","index":26,"n_rows":31,"n_cols":11,"rows_kept":31,"cut":false,"hidden":false,"merged":[]}
[]
["INSURANCE 4.2.2 MARGIN ANALYSIS INSURANCE US: UNITED STATES"]
[]
[]
["Insurance: Margin analysis Insurance US"]
["In EUR million","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012","FY2013","FY2012"]
["Margin analysis"]
["Investment margin",null,null,null,null,260.53466442102001,279.52190923576802,282.94193778366702,263.82774071232501,null,1086.8262521527799]
["Fees and premium based revenues",null,null,null,null,296.625888381403,305.90784252854797,297.99109219380199,286.98144790715997,null,1187.506271010913]
["Technical margin",null,null,null,null,34.011627708164994,23.266161465069199,-7.6513424620537203,-7.7097629034170794,null,41.916683807763391]
["Income non-modelled life business",null,null,null,null,-1.3887500762939501E-7,-5.2027046680450003E-8,4.5504003763198999E-8,2.0776799321174599E-7,null,6.2369942665100008E-8]
["Life operating income       ",null,null,null,null,591.17218037171097,608.69591317728703,573.28168756092407,543.099425923843,null,2316.2492070337648]
["Administrative expenses",null,null,null,null,220.971546809138,217.75651176310598,222.26643911286899,221.17759993034102,null,882.17209761545394]
["DAC amortisation and trail commissions ",null,null,null,null,180.55703869285898,195.67930050694201,182.58795995692398,173.42098992750002,null,732.24528908422496]
["Life expenses       ",null,null,null,null,401.52858550199801,413.43581227004699,404.854399069794,394.59858985784001,null,1614.4173866996789]
["Life operating result       ",null,null,null,null,189.64359486970301,195.26010090725299,168.427288491138,148.50083606600401,null,701.83182033409798]
["Non-life operating result    ",null,null,null,null,0,0,0,0,null,0]
["Operating result",null,null,null,null,189.64359486970301,195.26010090725299,168.427288491138,148.50083606600401,null,701.83182033409798]
["Gains/losses and impairments",null,null,null,null,-28.348626162664601,40.488093643432201,5.7112403775967202,18.486848124545499,null,36.337555982909819]
["Revaluations",null,null,null,null,72.027165709305009,13.3400261164554,41.0894340224297,34.723470698953797,null,161.1800965471439]
["Market & other impacts",null,null,null,null,-38.641125027258298,148.43364199591898,-69.995614949689696,-10.870534401,null,28.926367617970982]
["Underlying result before tax",null,null,null,null,194.68100938908501,397.52186266305796,145.23234794147501,190.84062048850399,null,928.27584048212202]
["Key figures"]
["Gross premium income",null,null,null,null,2986.9413643982302,2983.51993270307,2925.2009554869301,2848.3493482143799,null,11744.011600802609]
["Administrative expenses / operating income (Life & ING IM)",null,null,null,null,0.37394247038917089,0.35796387520525452,0.38743455497382201,0.40699815837937386,null,0.38082901554404147]
["Life general account invested assets (end of period, in EUR billion)",null,null,null,null,60.145000000000003,61.363,63.74,59.427,null,60.145000000000003]
["Investment margin / Life general account invested assets (four quarter rolling average, in bps)",null,null,null,null,177,173,169,161]
["Prov. for life insurance & investm. contracts for risk policyholder (in EUR billion, end of period)",null,null,null,null,40.032410037529729,41.513002481915564,40.716297689802957,39.722451757126265,null,40.032410037529729]
["Net production Client balances (in EUR billion)",null,null,null,null,0.4388741210673211,-0.84744871546522293,-0.34850112771385422,-0.61472976695413217,null,-1.3718054890658882]
["Client balances (end of period, in EUR billion)",null,null,null,null,102.06217939593002,102.60778079905538,103.65051294879169,98.944427548638998,null,102.06217939593002]
["Administrative expenses (total)",null,null,null,null,220.971546809138,217.75651176310598,222.26643911286899,221.17759993034102,null,882.17209761545394]

{"sheet":"4.2.3 ING IM US MA","index":27,"n_rows":25,"n_cols":11,"rows_kept":25,"cut":false,"hidden":false,"merged":[]}
[]
["INSURANCE 4.2.3 MARGIN ANALYSIS INSURANCE US: IIM"]
[]
[]
["Insurance: Margin analysis ING IM US"]
["In EUR million","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012","FY2013","FY2012"]
["Margin analysis"]
["Investment margin",null,null,null,null,-0.21410581449259,-0.434537920082328,-0.48349800821674199,-0.15153818181748999,null,-1.2836799246091499]
["Fees and premium based revenues",null,null,null,null,105.86342753794401,100.595034361057,91.9894609587395,95.211742116822492,null,393.65966497456299]
["Technical margin",null,null,null,null,0,0,0,0,null,0]
["Income non-modelled life business",null,null,null,null,-2.0441980776382301E-7,-7.5743899650963995E-8,-1.11542427593227E-7,7.4629633710986009E-9,null,-3.8424317163691538E-7]
["Operating income       ",null,null,null,null,105.64932151903101,100.160496365228,91.505962838980707,95.060203942467794,null,392.37598466570751]
["Administrative expenses",null,null,null,null,89.411529891708994,85.193183597884996,79.710397631216196,76.364866142017803,null,330.67997726282795]
["DAC amortisation and trail commissions ",null,null,null,null,0.48899860358748004,0.60193479359040003,0.61024501534035103,0.654111360744699,null,2.3552897732629301]
["Expenses       ",null,null,null,null,89.900528495298701,85.795118391475199,80.320642646555399,77.018977502762596,null,333.03526703609191]
["Operating result",null,null,null,null,15.7487930237338,14.365377973754899,11.185320192424101,18.041226439705401,null,59.340717629618197]
["Gains/losses and impairments",null,null,null,null,3.2641536947456999E-3,9.9939717818340094E-4,1.6372313905718E-3,2.8181415234223299E-3,null,8.7189237869232314E-3]
["Revaluations",null,null,null,null,-0.293779145739198,26.0693234082479,10.466236368237199,4.0774246301679602,null,40.319205260913854]
["Market & other impacts",null,null,null,null,0,0,0,0,null,0]
["Underlying result before tax",null,null,null,null,15.4582780316894,40.435700779180898,21.653193792051901,22.1214692113968,null,99.668641814319002]
["Key figures"]
["AUM (in EUR Billion)",null,null,null,null,136.673755156201,136.12956771175999,135.382287834773,125.34040714598399,null,136.673755156201]
["Net inflow (in EUR Billion)",null,null,null,null,4.0672044381758301,0.62343589393458976,2.1375595209882858,1.4810706981928796,null,8.3092705512915863]
["Fees / average AUM (annualised in bps)",null,null,null,null,31.044615270814056,29.639968143141811,28.225992667198817,30.449579261747513,null,30.485641026347533]
["Administrative expenses / oprating income",null,null,null,null,0.839622641509434,0.85,0.86956521739130432,0.8,null,0.84438775510204078]

{"sheet":"4.2.4 Ins. US VA MA","index":28,"n_rows":31,"n_cols":11,"rows_kept":31,"cut":false,"hidden":false,"merged":[]}
[]
["INSURANCE 4.2.4 MARGIN ANALYSIS INSURANCE US: US CLOSED BLOCK VA"]
[]
[]
["Insurance: Margin analysis US Closed Block VA"]
["In EUR million","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012","FY2013","FY2012"]
["Margin analysis"]
["Investment margin",null,null,null,null,5.2728753404808604,0.23512460511784,-3.9985947542332401,5.7812998497835899,null,7.2907050411490504]
["Fees and premium based revenues",null,null,null,null,29.060909020656499,21.493280486479701,24.476360343075303,25.426149459864799,null,100.4566993100763]
["Technical margin",null,null,null,null,1.4628058711804,9.6780286133338596,0.35921816022500003,9.0819929952907401,null,20.58204564003]
["Income non-modelled life business",null,null,null,null,-2.7310452029917099E-7,-4.0135611833018905E-7,7.6012384772921801E-7,-3.75392796157887E-7,null,-2.8972958705802903E-7]
["Life operating income       ",null,null,null,null,35.796589959211104,31.406433303569298,20.8369845091892,40.289441929544701,null,128.32944970151431]
["Administrative expenses",null,null,null,null,23.742255394009298,24.290207128915501,27.058601766875302,23.952103768617501,null,99.043168058417592]
["DAC amortisation and trail commissions ",null,null,null,null,39.344626289277002,38.473443717387106,36.7577637225884,36.440320835795497,null,151.016154565048]
["Life expenses       ",null,null,null,null,63.086881683286101,62.763650846303499,63.816365489463799,60.392424604413002,null,250.05932262346639]
["Life operating result       ",null,null,null,null,-27.2902917240745,-31.357217542733,-42.979380980274399,-20.102982674868503,null,-121.7298729219504]
["Non-life operating result    ",null,null,null,null,0,0,0,0,null,0]
["Operating result",null,null,null,null,-27.2902917240745,-31.357217542733,-42.979380980274399,-20.102982674868503,null,-121.7298729219504]
["Gains/losses and impairments",null,null,null,null,-0.36753138768779298,0.25187456175596301,0.41625153276672799,15.622342559441499,null,15.922937266276397]
["Revaluations",null,null,null,null,0.661965843456779,-0.375095407784028,0.99569331217887691,-0.92727900700872901,null,0.35528474084289891]
["Market & other impacts",null,null,null,null,163.191870501209,-316.11161382243301,257.77313656917499,-378.79981989245601,null,-273.94642664450504]
["Underlying result before tax",null,null,null,null,136.196013232902,-347.59205221119396,216.205700433846,-384.20773901489196,null,-379.39807755933793]
["Key figures"]
["Gross premium income",null,null,null,null,102.74455326780499,98.041750513870994,114.08656107362799,103.91545734572401,null,418.78832220102794]
["Administrative expenses / operating income (Life & ING IM)",null,null,null,null,0.66666666666666663,0.77419354838709675,1.2857142857142858,0.6,null,0.7734375]
["Life general account invested assets (end of period, in EUR billion)",null,null,null,null,5.2869999999999999,4.8129999999999997,5.3609999999999998,4.2030000000000003,null,5.2869999999999999]
["Investment margin / Life general account invested assets (four quarter rolling average, in bps)",null,null,null,null,15,33,32,58]
["Prov. for life insurance & investm. contracts for risk policyholder (in EUR billion, end of period)",null,null,null,null,31.8137861450396,33.000334325944827,33.112836040541573,32.982432299509327,null,31.8137861450396]
["Net production Client balances (in EUR billion)",null,null,null,null,-0.72882278882780205,-0.66540396236900445,-0.64758932909268807,-0.67739255424668599,null,-2.7192086345361806]
["Client balances (end of period, in EUR billion)",null,null,null,null,32.7521069525001,33.919150241770097,34.024267438055901,33.811859435891705,null,32.7521069525001]
["Administrative expenses (total)",null,null,null,null,23.742255394009298,24.290207128915501,27.058601766875302,23.952103768617501,null,99.043168058417592]

{"sheet":"4.2.5 CL US MA","index":29,"n_rows":15,"n_cols":11,"rows_kept":15,"cut":false,"hidden":false,"merged":[[15,0,15,10],[16,0,16,10]]}
[]
["INSURANCE 4.2.5 MARGIN ANALYSIS INSURANCE US: CORPORATE LINE"]
[]
[]
["Insurance: Margin analysis Corporate Line US"]
["In EUR million","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012","FY2013","FY2012"]
["Margin analysis"]
["Operating result",null,null,null,null,-42.05674715047931,-44.104937968523892,-35.8854534619947,-28.611258267746905,null,-150.65839684874481]
["Gains/losses and impairments",null,null,null,null,-5.3071262662296448E-14,5.5979743410206062E-14,3.0100921755149557E-14,-2.0012203699737441E-14,null,1.299719880332173E-14]
["Revaluations",null,null,null,null,-2.8937963136854705E-13,2.8421709430404007E-14,2.1316282072803006E-14,-2.6645352591003757E-14,null,-2.662869924563438E-13]
["Market & other impacts",null,null,null,null,-6.8212102632969618E-13,0,-3.4106051316484809E-13,0,null,-1.0231815394945443E-12]
["Underlying result before tax",null,null,null,null,-42.056747150481428,-44.104937968517412,-35.885453461994935,-28.611258267747814,null,-150.65839684874157]
["Key figures"]
["Gross premium income",null,null,null,null,-2.5195845410053153E-11,-1.1652900866465643E-12,2.0463630789890885E-12,-3.637978807091713E-12,null,-2.7952751224802341E-11]
["Administrative expenses (total)",null,null,null,null,0,0,0,0,null,0]

{"sheet":"4.3.1 Total Ins. US CB","index":30,"n_rows":42,"n_cols":9,"rows_kept":42,"cut":false,"hidden":false,"merged":[[42,0,42,7],[43,0,43,7],[44,0,44,5]]}
[]
["INSURANCE 4.3.1 CLIENT BALANCES INSURANCE US: TOTAL"]
[]
[]
["Insurance: Client balances Total Life Insurance & ING IM US"]
["In EUR billion","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012"]
["Client Balances included on Balance Sheet"]
["Beginning of period",null,null,null,null,131.49184461877721,132.75611855940295,127.7176279334759,126.67669318245048]
["    Deposits",null,null,null,null,3.5469546622146804,2.80348949190219,2.96695570634835,2.6266458666717099]
["    Withdrawals / Benefits",null,null,null,null,-4.12823649060189,-4.4711476174976195,-4.27268591608569,-4.1860437668974599]
["Net production",null,null,null,null,-0.58128182838720965,-1.6676581255954295,-1.30573020973734,-1.5593979002257501]
["Acquisition / Divestments / Transfers",null,null,null,null,0,0,0,0]
["Market performance / Interest credited ",null,null,null,null,1.52743387006708,3.88525043426485,-1.2801752058101901,6.1330211084555799]
["FX impact and other",null,null,null,null,-3.129300532476095,-3.4818662492954,7.6243960414746432,-3.5326884572043138]
["End of period",null,null,null,null,129.30869612798099,131.49184461877698,132.75611855940301,127.717627933476]
["Off Balance Sheet Institutional Asset Management"]
["Beginning of period",null,null,null,null,25.908874053614984,25.249480588468927,23.66244746376,25.167948835161475]
["    Deposits",null,null,null,null,2.7699317248591999,1.0647993259764901,1.3689442597135701,1.43278939948421]
["    Withdrawals / Benefits",null,null,null,null,-0.47934953014209997,-0.50248713480469998,-1.2612865168866201,-1.2595868851963401]
["Net production",null,null,null,null,2.2905821947170999,0.5623121911717901,0.10765774282695006,0.17320251428786992]
["Acquisition / Divestments / Transfers",null,null,null,null,0,2.9951333999633803E-15,0,0]
["Market performance / Interest credited ",null,null,null,null,0.1168617829078,0.77099913623372396,1.35788805088772,-0.68535174978036795]
["FX impact and other",null,null,null,null,-0.63049120687198212,-0.6739178622594445,0.12148733099422993,-0.99335213590897609]
["End of period",null,null,null,null,27.685826824367901,25.908874053615001,25.249480588468899,23.66244746376]
["Off Balance Sheet Pension and Mutual Funds business"]
["Beginning of period",null,null,null,null,22.112461861296691,22.079857770900954,21.24599907727508,19.849178320695405]
["    Deposits",null,null,null,null,2.08550233403375,1.33467484995236,1.1627945086251199,1.4118172708980801]
["    Withdrawals / Benefits",null,null,null,null,-1.3900254822831799,-1.4207412186408301,-1.2392259620475499,-1.30833779574717]
["Net production",null,null,null,null,0.69547685175057006,-8.6066368688470174E-2,-7.6431453422429962E-2,0.10347947515091005]
["Acquisition / Divestments / Transfers",null,null,null,null,0,0,0,0]
["Market performance / Interest credited ",null,null,null,null,0.64062695489478005,1.0148359463321801,-0.31323744436578999,1.8214440801443401]
["FX impact and other",null,null,null,null,-0.49441290683523798,-0.89616548724796297,1.2235275914140422,-0.52810279871555299]
["End of period",null,null,null,null,22.954152761106801,22.112461861296701,22.079857770900901,21.245999077275101]
["Total Client Balances"]
["Beginning of period",null,null,null,null,179.51318053368888,180.08545691877285,172.62607447451097,171.69382033830735]
["    Deposits",null,null,null,null,8.4023887211076307,5.2029636678310407,5.4986944746870403,5.4712525370539993]
["    Withdrawals / Benefits",null,null,null,null,-5.9976115030271702,-6.3943759709431491,-6.7731983950198593,-6.7539684478409701]
["Net production",null,null,null,null,2.4047772180804605,-1.1914123031121084,-1.274503920332819,-1.2827159107869708]
["Acquisition / Divestments / Transfers",null,null,null,null,-1.0430812835693401E-16,3.0994415283203099E-15,-2.3841857910156296E-16,2.3841857910156296E-16]
["Market performance / Interest credited ",null,null,null,null,2.2849226078696598,5.6710855168307504,-0.23552459928826019,7.2691134388195504]
["FX impact and other",null,null,null,null,-4.2542046461833145,-5.0519495988028016,8.9694109638829236,-5.054143391828843]
["End of period",null,null,null,null,179.94867571345569,179.51318053368868,180.08545691877282,172.62607447451109]

{"sheet":"4.3.2 Insurance US CB","index":31,"n_rows":42,"n_cols":9,"rows_kept":42,"cut":false,"hidden":false,"merged":[[42,0,42,7]]}
[]
["INSURANCE 4.3.2 CLIENT BALANCES INSURANCE US: UNITED STATES"]
[]
[]
["Insurance: Client balances Insurance US"]
["In EUR billion","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012"]
["Client Balances included on Balance Sheet"]
["Beginning of period",null,null,null,null,95.835734158059751,96.947279427414287,92.799140181293865,92.516136203460619]
["    Deposits",null,null,null,null,3.3984353119752799,2.70998795570023,2.8343438132823802,2.5255827808688998]
["    Withdrawals / Benefits",null,null,null,null,-3.2569893532137901,-3.67206297475389,-3.42631879839813,-3.3905193451666698]
["Net production",null,null,null,null,0.1414459587614898,-0.96207501905366,-0.59197498511574986,-0.86493656429776999]
["Acquisition / Divestments / Transfers",null,null,null,null,0,0,0,0]
["Market performance / Interest credited ",null,null,null,null,0.97402745881427999,2.3882928112099098,-0.46354119597784799,3.6348878610226798]
["FX impact and other",null,null,null,null,-1.9319096409146199,-2.53776306151084,5.2036554272140405,-2.4869473188916342]
["End of period",null,null,null,null,95.019297934720896,95.835734158059694,96.947279427414301,92.799140181293893]
["Off Balance Sheet Institutional Asset Management"]
["Beginning of period",null,null,null,null,2.2211210900932228,2.105543855622626,1.9985433277147244,2.0547513695349942]
["    Deposits",null,null,null,null,0.1856624184681,0.19053339552238299,0.198624258937835,0.199319396555797]
["    Withdrawals / Benefits",null,null,null,null,-2.8938808516353998E-2,-0.10464853683709099,-9.3460936884872198E-2,-8.4486667737271995E-2]
["Net production",null,null,null,null,0.156723609951746,8.5884858685291998E-2,0.1051633220529628,0.11483272881852501]
["Acquisition / Divestments / Transfers",null,null,null,null,0,2.9951333999633803E-15,0,0]
["Market performance / Interest credited ",null,null,null,null,3.5305336442051E-2,8.8463539218801013E-2,-0.36531767553258598,0.13197703057841101]
["FX impact and other",null,null,null,null,-4.6810921281739699E-2,-5.8771163433491924E-2,0.36715488138751901,-0.30301780121720029]
["End of period",null,null,null,null,2.36633911520528,2.2211210900932299,2.1055438556226203,1.99854332771473]
["Off Balance Sheet Pension and Mutual Funds business"]
["Beginning of period",null,null,null,null,4.5509255509024396,4.5976896657547615,4.1467440396303648,3.4475785771452201]
["    Deposits",null,null,null,null,0.27784511058019695,0.253448635281042,0.25824388794616498,0.32943903494270599]
["    Withdrawals / Benefits",null,null,null,null,-0.13714055822611201,-0.22470719037789699,-0.11993335259723299,-0.19406496641759299]
["Net production",null,null,null,null,0.14070455235408494,2.8741444903145008E-2,0.13831053534893201,0.13537406852511299]
["Acquisition / Divestments / Transfers",null,null,null,null,0,0,0,0]
["Market performance / Interest credited ",null,null,null,null,0.11457026337756,0.35571431883137705,0.101441590241348,0.58687078472307508]
["FX impact and other",null,null,null,null,-0.12965802063026399,-0.43121987858684302,0.21119350053411504,-2.3079390763037999E-2]
["End of period",null,null,null,null,4.6765423460038207,4.5509255509024404,4.5976896657547597,4.1467440396303701]
["Total Client Balances"]
["Beginning of period",null,null,null,null,102.60778079905542,103.65051294879167,98.944427548638956,98.018466150140824]
["    Deposits",null,null,null,null,3.861942841023577,3.1539699865036548,3.2912119601663803,3.0543412123674027]
["    Withdrawals / Benefits",null,null,null,null,-3.4230687199562562,-4.0014187019688778,-3.6397130878802351,-3.6690709793215346]
["Net production",null,null,null,null,0.43887412106732082,-0.84744871546522305,-0.34850112771385477,-0.61472976695413184]
["Acquisition / Divestments / Transfers",null,null,null,null,-1.0430812835693401E-16,3.0994415283203099E-15,-2.3841857910156296E-16,2.3841857910156296E-16]
["Market performance / Interest credited ",null,null,null,null,1.123903058633891,2.8324706692600876,-0.727417281269086,4.3537356763241659]
["FX impact and other",null,null,null,null,-2.1083785828266239,-3.0277541035311746,5.7820038091356745,-2.813044510871872]
["End of period",null,null,null,null,102.06217939593,102.60778079905536,103.65051294879169,98.944427548638984]

{"sheet":"4.3.3 IIM US CB","index":32,"n_rows":42,"n_cols":9,"rows_kept":42,"cut":false,"hidden":false,"merged":[]}
[]
["INSURANCE 4.3.3 CLIENT BALANCES INSURANCE US: IIM"]
[]
[]
["Insurance: Client balances ING IM US"]
["In EUR billion","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012"]
["Client Balances included on Balance Sheet"]
["Beginning of period",null,null,null,null,1.7369602189470386,1.784571693932653,1.1066283162902237,1.2194864073845206]
["    Deposits",null,null,null,null,5.0932101359584696E-2,2.0717656398856902E-3,2.96387576724297E-2,6.2847939239932399E-3]
["    Withdrawals / Benefits",null,null,null,null,-4.4837099680493001E-2,-4.2250909812639001E-2,-9.5804653201330706E-2,-2.3353575605286302E-2]
["Net production",null,null,null,null,6.0950016790916953E-3,-4.0179144172753312E-2,-6.6165895528901009E-2,-1.7068781681293062E-2]
["Acquisition / Divestments / Transfers",null,null,null,null,0,0,0,0]
["Market performance / Interest credited ",null,null,null,null,0.318759518340481,3.8571692600826005E-2,0.31250523208796799,-5.9685614260478602E-2]
["FX impact and other",null,null,null,null,-0.52452349820692123,-4.6004023413685501E-2,0.43160404108336942,-3.6103695152528897E-2]
["End of period",null,null,null,null,1.5372912407596901,1.7369602189470401,1.7845716939326601,1.10662831629022]
["Off Balance Sheet Institutional Asset Management"]
["Beginning of period",null,null,null,null,23.687752963521735,23.143936732846335,21.6639041360453,23.113197465626502]
["    Deposits",null,null,null,null,2.5842693063911,0.87426593045411005,1.17032000077573,1.23347000292842]
["    Withdrawals / Benefits",null,null,null,null,-0.45041072162573997,-0.39783859796761001,-1.1678255800017501,-1.1751002174590699]
["Net production",null,null,null,null,2.1338585847653602,0.47642733248650004,2.4944207739798774E-3,5.8369785469350122E-2]
["Acquisition / Divestments / Transfers",null,null,null,null,0,0,0,0]
["Market performance / Interest credited ",null,null,null,null,8.1556446465749999E-2,0.68253559701492095,1.72320572642031,-0.81732878035877898]
["FX impact and other",null,null,null,null,-0.58368028559024288,-0.61514669882595407,-0.24566755039328991,-0.69033433469177496]
["End of period",null,null,null,null,25.319487709162601,23.687752963521802,23.143936732846299,21.6639041360453]
["Off Balance Sheet Pension and Mutual Funds business"]
["Beginning of period",null,null,null,null,17.561536310394274,17.482168105146137,17.09925503764476,16.401599743550154]
["    Deposits",null,null,null,null,1.8076572234535502,1.0812262146713199,0.90455062067895997,1.08237823595537]
["    Withdrawals / Benefits",null,null,null,null,-1.2528849240570701,-1.19603402826294,-1.1192926094503099,-1.1142728293295801]
["Net production",null,null,null,null,0.5547722993964801,-0.11480781359162018,-0.21474198877134998,-3.1894593374210078E-2]
["Acquisition / Divestments / Transfers",null,null,null,null,0,0,0,0]
["Market performance / Interest credited ",null,null,null,null,0.52605669151722001,0.65912162750080205,-0.41467903460714195,1.2345732954212698]
["FX impact and other",null,null,null,null,-0.36475488620497398,-0.46494560866112,1.0123340908799301,-0.50502340795251499]
["End of period",null,null,null,null,18.277610415103002,17.561536310394199,17.482168105146197,17.099255037644699]
["Total Client Balances"]
["Beginning of period",null,null,null,null,42.986249492863045,42.41067653192512,39.869787489980276,40.734283616561179]
["    Deposits",null,null,null,null,4.4428586312042349,1.9575639107653158,2.1045093791271197,2.3221330328077832]
["    Withdrawals / Benefits",null,null,null,null,-1.7481327453633031,-1.6361235360431889,-2.3829228426533908,-2.3127266223939364]
["Net production",null,null,null,null,2.6947258858409318,0.32144037472212683,-0.27841346352627117,9.4064104138467108E-3]
["Acquisition / Divestments / Transfers",null,null,null,null,0,0,0,0]
["Market performance / Interest credited ",null,null,null,null,0.926372656323451,1.3802289171165458,1.6210319239011379,0.35755890080201241]
["FX impact and other",null,null,null,null,-1.4729586700021382,-1.1260963309007557,1.198270581570019,-1.2314614377968189]
["End of period",null,null,null,null,45.134389365025292,42.986249492863038,42.410676531925162,39.869787489980219]

{"sheet":"4.3.4 Insurance VA CB","index":33,"n_rows":42,"n_cols":9,"rows_kept":42,"cut":false,"hidden":false,"merged":[[42,0,42,7]]}
[]
["INSURANCE 4.3.4 CLIENT BALANCES INSURANCE US: US CLOSED BLOCK VA"]
[]
[]
["Insurance: Client balances US Closed Block VA"]
["In EUR billion","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012"]
["Client Balances included on Balance Sheet"]
["Beginning of period",null,null,null,null,33.919150241770154,34.024267438055865,33.811859435891662,32.941070571605145]
["    Deposits",null,null,null,null,9.7587248879805993E-2,9.1429770562083498E-2,0.102973135393537,9.4778291878820004E-2]
["    Withdrawals / Benefits",null,null,null,null,-0.82641003770760801,-0.75683373293108802,-0.75056246448622499,-0.77217084612550602]
["Net production",null,null,null,null,-0.72882278882780205,-0.66540396236900456,-0.64758932909268796,-0.67739255424668599]
["Acquisition / Divestments / Transfers",null,null,null,null,0,0,0,0]
["Market performance / Interest credited ",null,null,null,null,0.23464689291231502,1.4583859304541098,-1.1291392419203101,2.5578188616933897]
["FX impact and other",null,null,null,null,-0.67286739335456391,-0.89809916437087201,1.9891365731772399,-1.00963744316015]
["End of period",null,null,null,null,32.7521069525001,33.919150241770097,34.024267438055901,33.811859435891698]
["Off Balance Sheet Institutional Asset Management"]
["Beginning of period",null,null,null,null,0,0,0,0]
["    Deposits",null,null,null,null,0,0,0,0]
["    Withdrawals / Benefits",null,null,null,null,0,0,0,0]
["Net production",null,null,null,null,0,0,0,0]
["Acquisition / Divestments / Transfers",null,null,null,null,0,0,0,0]
["Market performance / Interest credited ",null,null,null,null,0,0,0,0]
["FX impact and other",null,null,null,null,0,0,0,0]
["End of period",null,null,null,null,0,0,0,0]
["Off Balance Sheet Pension and Mutual Funds business"]
["Beginning of period",null,null,null,null,0,0,0,0]
["    Deposits",null,null,null,null,0,0,0,0]
["    Withdrawals / Benefits",null,null,null,null,0,0,0,0]
["Net production",null,null,null,null,0,0,0,0]
["Acquisition / Divestments / Transfers",null,null,null,null,0,0,0,0]
["Market performance / Interest credited ",null,null,null,null,0,0,0,0]
["FX impact and other",null,null,null,null,0,0,0,0]
["End of period",null,null,null,null,0,0,0,0]
["Total Client Balances"]
["Beginning of period",null,null,null,null,33.919150241770154,34.024267438055865,33.811859435891662,32.941070571605145]
["    Deposits",null,null,null,null,9.7587248879805993E-2,9.1429770562083498E-2,0.102973135393537,9.4778291878820004E-2]
["    Withdrawals / Benefits",null,null,null,null,-0.82641003770760801,-0.75683373293108802,-0.75056246448622499,-0.77217084612550602]
["Net production",null,null,null,null,-0.72882278882780205,-0.66540396236900456,-0.64758932909268796,-0.67739255424668599]
["Acquisition / Divestments / Transfers",null,null,null,null,0,0,0,0]
["Market performance / Interest credited ",null,null,null,null,0.23464689291231502,1.4583859304541098,-1.1291392419203101,2.5578188616933897]
["FX impact and other",null,null,null,null,-0.67286739335456391,-0.89809916437087201,1.9891365731772399,-1.00963744316015]
["End of period",null,null,null,null,32.7521069525001,33.919150241770097,34.024267438055901,33.811859435891698]

{"sheet":"4.4.1 Ins. Add. info US","index":34,"n_rows":52,"n_cols":11,"rows_kept":52,"cut":false,"hidden":false,"merged":[]}
[]
["INSURANCE 4.4.1 ADDITIONAL INFORMATION INSURANCE US: UNITED STATES"]
[]
[]
["Operating result before tax 1)"]
["In EUR million","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012","FY2013","FY2012"]
["Retirement Solutions"]
[" Retirement",null,null,null,null,95.490788314725791,106.96843419889427,89.630174080886761,86.102399734055908,null,378.1917963285627]
[" Annuities",null,null,null,null,26.098762482626611,18.400191361401056,22.519318582451437,14.455805671013826,null,81.474078097492921]
["Insurance Solutions"]
[" Individual Life",null,null,null,null,43.511701578863835,31.842843267487144,30.335242956723015,46.347161809641143,null,152.03694961271512]
[" Employee Benefits",null,null,null,null,20.984963040858464,26.52538014568734,24.140575227012814,9.1969781624278699,null,80.847896575986482]
["Operating result from ongoing businesses (CFX)",null,null,null,null,186.08621541707444,183.73684897346993,166.62531084707419,156.10234537713882,null,692.55072061475732]
["Closed Blocks Institutional Spread Products and Other",null,null,null,null,3.5246056693711396,4.0197934131980269,0.55329604966291845,-4.8240784543577355,null,3.2736166778743492]
["Operating result (CFX)",null,null,null,null,189.61082108644595,187.75664238666789,167.17860689673719,151.27826692278126,null,695.82433729263221]
["FX impact",null,null,null,null,1.6932895192525166E-2,7.6072130596569139,1.2362598161152505,-2.6317577376202905,null,6.2286480333444842]
["Operating result (HFX)",null,null,null,null,189.62775398163848,195.36385544632481,168.41486671285244,148.64650918516097,null,702.05298532597669]
[" Gains/losses and impariments",null,null,null,null,-28.325180342764877,40.453406130273301,5.7779620516286228,18.431320899743071,null,36.337508738880118]
[" Revaluations",null,null,null,null,72.026982652872846,13.306057526034152,41.124135783701597,34.723002671749683,null,161.1801786343583]
[" Market & other impacts",null,null,null,null,-38.640985480181833,148.43306313018698,-69.995588918344893,-10.870579385984151,null,28.925909345676111]
["Underlying result before tax (HFX)",null,null,null,null,194.6885708115646,397.5563822328192,145.32137562983777,190.93025337066959,null,928.49658204489117]
["1) Current FX: Average FX 4Q2012"]
[]
["Gross premiums 1)"]
["In EUR million","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012","FY2013","FY2012"]
["Retirement Solutions"]
[" Retirement",null,null,null,null,1775.0556494369778,1655.7300790840518,1596.7840536004185,1651.8045736033669,null,6679.3743557248144]
[" Annuities",null,null,null,null,255.81175989990695,275.47775726709619,313.58452800528084,284.07872003930026,null,1128.9527652115844]
["Insurance Solutions"]
[" Individual Life",null,null,null,null,414.21726105512016,438.04253848279467,472.5038202166121,459.56726278985866,null,1784.3308825443858]
[" Employee Benefits",null,null,null,null,241.23918666861121,238.92261991571934,240.85693012688157,240.09395221025645,null,961.11268892146859]
["Total gross premiums from ongoing businesses (CFX)",null,null,null,null,2686.3238570606163,2608.1729947496619,2623.7293319491928,2635.5445086427826,null,10553.770692402253]
["Closed Blocks Institutional Spread Products and Other",null,null,null,null,298.58045073009976,260.07398803081594,266.79701517256558,262.48625254006134,null,1087.9377064735427]
["Total (CFX)",null,null,null,null,2984.9043077907158,2868.2469827804775,2890.5263471217586,2898.0307611828434,null,11641.708398875795]
["FX impact",null,null,null,null,2.1067977758211782,115.34389160217779,34.844578029707463,-49.836164289412864,null,102.45910311829357]
["Total (HFX)",null,null,null,null,2987.011105566537,2983.5908743826553,2925.3709251514661,2848.1945968934306,null,11744.167501994089]
["1) Current FX: Average FX 4Q2012"]
[]
["Operating expenses 1)"]
["In EUR million","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012","FY2013","FY2012"]
["Retirement Solutions"]
[" Retirement",null,null,null,null,140.65581104399024,133.76328741393473,144.43684028124258,145.00896002425566,null,563.86489876342318]
[" Annuities",null,null,null,null,17.668793105565765,18.554094382056967,17.987092094658404,17.888114423659982,null,72.098094005941121]
["Insurance Solutions"]
[" Individual Life",null,null,null,null,64.752909962465182,65.074628435895278,65.7245888516169,67.554819963309527,null,263.10694721328684]
[" Employee Benefits",null,null,null,null,32.999178685743672,31.862387644977325,31.541537776617879,34.769133438059846,null,131.1722375453987]
["Total operating expenses from ongoing businesses (CFX)",null,null,null,null,256.07669279776491,249.25439787686426,259.69005900413578,265.22102784928501,null,1030.24217752805]
["Closed Blocks Institutional Spread Products and Other",null,null,null,null,7.3975653635658674,5.5561819038779037,53.410650350403422,11.024356554530614,null,77.388754172377801]
["Total (CFX)",null,null,null,null,263.47425816133074,254.81057978074222,313.10070935453911,276.24538440381559,null,1107.6309317004275]
["FX impact",null,null,null,null,0.20252690392072736,9.9157165333598414,5.3599339047769945,-4.8263159120959358,null,10.651861429961627]
["Total (HFX)",null,null,null,null,263.67678506525147,264.72629631410206,318.4606432593161,271.41906849171966,null,1118.5027931303894]
["1) Current FX: Average FX 4Q2012"]

{"sheet":"4.4.2 Ins. Add. info US","index":35,"n_rows":46,"n_cols":11,"rows_kept":46,"cut":false,"hidden":false,"merged":[[44,0,44,10],[45,0,45,10]]}
[]
["INSURANCE 4.4.2 ADDITIONAL INFORMATION INSURANCE US: UNITED STATES"]
[]
[]
["New business sales (US basis at CFX) 1,2)"]
["In EUR million","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012","FY2013","FY2012"]
["Retirement Solutions"]
[" Retirement:"]
["- Full service plans",null,null,null,null,1378.1423294851818,948.91135362568093,902.60345649720989,889.12619539603475,null,4118.7833350041074]
["- Recordkeeping plans/ Stable value AUA",null,null,null,null,480.51725073112351,788.01793972935013,1569.0554267072976,1166.3371640939829,null,4003.9277812617538]
["- Stable value ",null,null,null,null,1013.2560412652846,206.17035592843047,271.84157999370586,228.11473913677571,null,1719.3827163241967]
["- Other",null,null,null,null,214.66113854113095,153.46650249848409,132.36686053009302,172.68861144927428,null,673.18311301898234]
[" Annuities:"]
["- Fixed rate annuity",null,null,null,null,8.0854416137673706,10.493947758272631,12.680322331304357,17.222599336807928,null,48.482311040152283]
["- Fixed index annuity",null,null,null,null,212.26322082607325,223.45056445781742,234.72215225017084,221.89323984679038,null,892.32917738085189]
["- Mutual funds/Other",null,null,null,null,165.3539813707504,157.93637884079561,171.81084008934673,173.71979520106851,null,668.82099550196131]
["Insurance Solutions"]
[" Individual life:"]
["- Universal / Variable",null,null,null,null,20.325570506374785,27.234743895792878,31.68207615962665,26.509521104706049,null,105.75191166650036]
["- Term",null,null,null,null,14.704524136660551,21.65029667099072,27.084827178593635,25.831546143277123,null,89.27119412952203]
[" Employee benefits",null,null,null,null,25.050852401384724,25.984161898694342,26.069424082162129,118.70524029198874,null,195.80967867422993]
[" "]
["Annual premium equivalent (APE) new business sales 1,2)"]
["In EUR million","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012","FY2013","FY2012"]
["Retirement Solutions"]
[" Retirement:"]
["- Full service plans",null,null,null,null,310.02736555239159,262.51957520321776,257.1215089147139,265.22653071638558,null,1094.8949803867088]
["- Recordkeeping plans/ Stable value AUA",null,null,null,null,21.981857398352769,39.586718964683492,36.968098695875781,37.289601317173144,null,135.82627637608519]
["- Stable value ",null,null,null,null,101.32560412652845,20.617035592843052,27.184157999370587,22.811473913677574,null,171.93827163241968]
["- Other",null,null,null,null,21.466113854113097,15.346650249848409,13.236686053009302,17.268861144927428,null,67.318311301898234]
[" Annuities:"]
["- Fixed annuity",null,null,null,null,0.80854416137673712,1.049394775827263,1.2680322331304357,1.7222599336807929,null,4.8482311040152286]
["- Fixed index annuity",null,null,null,null,21.226322082607325,22.345056445781744,23.472215225017084,22.189323984679039,null,89.232917738085192]
["- Mutual funds/Other",null,null,null,null,16.535398137075049,15.793637884079565,17.181084008934665,17.371979520106851,null,66.882099550196131]
["Insurance Solutions"]
[" Individual life:"]
["- Universal / Variable ",null,null,null,null,21.2910238795208,31.147269321999694,33.393174648260704,28.294581628661298,null,114.1260494784425]
["- Term",null,null,null,null,14.704524136660551,21.65029667099072,27.084827178593635,25.831546143277123,null,89.27119412952203]
[" Employee benefits",null,null,null,null,25.05085240138472,25.984198527775007,26.069435595913387,118.70524029198874,null,195.80972681706186]
["Total ongoing business (CFX)",null,null,null,null,554.41760573001102,456.03983363704668,462.97922055281941,556.71139859455764,null,2030.148058514435]
["FX impact",null,null,null,null,0.8133567519000735,18.060820221719837,6.3890075792814969,-8.3971195818078286,null,16.866064971093238]
["Total ongoing business (HFX)",null,null,null,null,555.23096248191109,474.10065385876652,469.36822813210091,548.31427901274981,null,2047.0141234855282]
["Closed Blocks Institutional Spread Products and Other (HFX)",null,null,null,null,0,0,0,6.8025548541689934E-2,null,6.8025548541689934E-2]
["Total (HFX)",null,null,null,null,555.23096248191109,474.10065385876652,469.36822813210091,548.38230456129145,null,2047.08214903407]
["1) New business sales (US basis) are presented in a manner consistent with other US companies and the calculation varies by product. Retirement plan sales represent initial deposits for the first twelve months for products issued by ING insurance companies (full service plans) and for products issued by ING non-insurance companies (recordkeeping plans).  Annual premium equivalent new business sales (“APE”) represent 10% of single premium new sales and 100% of annual premiums on new sales for insurance company products only, therefore there is no APE reported for recordkeeping plans. For full service retirement plans, single premiums represents the initial deposit (takeover assets) and the annual premiums represents new deposits for the first twelve months after the initial sale."]
["2) Current FX: Average FX 4Q2012"]

{"sheet":"4.4.3 Ins. Add. info US","index":36,"n_rows":36,"n_cols":9,"rows_kept":36,"cut":false,"hidden":false,"merged":[]}
[]
["INSURANCE 4.4.3 ADDITIONAL INFORMATION INSURANCE US: UNITED STATES"]
[]
[]
["Account value rollforward: Retirement - Full Service & Stable Value Plans 1)"]
["In EUR million","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012"]
["Beginning of period",null,null,null,null,67825.848129666163,66879.209021601011,63737.723339701086,61392.244708790371]
["   Deposits",null,null,null,null,3167.0491790695355,2287.2340425531916,2290.7277113667569,2374.5503461201292]
["   Withdrawals/Benefits",null,null,null,null,-1799.9831131648234,-1883.931406795808,-1858.6466632017439,-1906.0790181675281]
[" Net flows",null,null,null,null,1367.0660659047121,403.30263575738354,432.08104816501304,468.47132795260109]
["Transfers to Individual Retirement",null,null,null,null,0,0,0,0]
["Market performance/interest credited",null,null,null,null,790.61091964169213,2338.8377262623053,-1103.8623546477802,3765.0010580091293]
["FX impact and other",null,null,null,null,-1384.0330950450152,-1795.5012539545351,3813.2669883826893,-1887.9937550510222]
["End of period",null,null,null,null,68599.492020167556,67825.848129666163,66879.209021601011,63737.723339701086]
["1) Stable Value Plans managed by ING Investment Management"]
[]
["Account value rollforward: Annuities (Excl. Payout)"]
["In EUR million","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012"]
["Beginning of period",null,null,null,null,18104.59943522494,18781.051461245232,18535.490879124995,19201.915649621504]
["   Deposits",null,null,null,null,396.8406266551018,405.68434423626547,425.87521623445633,403.63048275445124]
["   Withdrawals/Benefits",null,null,null,null,-644.00248697027155,-846.30041282946968,-1351.3199028787303,-754.81394153743838]
[" Net flows",null,null,null,null,-247.16186031516975,-440.6160685932042,-925.44468664427404,-351.18345878298715]
["Transfers to Individual Retirement",null,null,null,null,0,0,0,0]
["Market performance/interest credited",null,null,null,null,165.03043468248913,243.7281676722769,77.572899131959261,262.99084066382517]
["FX impact and other",null,null,null,null,-361.37395750537326,-479.5641250993649,1093.4323696325519,-578.23215237734621]
["End of period",null,null,null,null,17661.094052086886,18104.59943522494,18781.051461245232,18535.490879124995]
[]
["Account value rollforward: Closed Block Institutional Spread Products"]
["In EUR million","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012"]
["Beginning of period",null,null,null,null,4025.291334958029,4246.2597800190597,3682.7286324306106,4011.3473775683615]
["   Deposits",null,null,null,null,12.281334674045702,102.41346459193394,228.84005243927982,0]
["   Withdrawals/Benefits",null,null,null,null,-830.52525733234063,-230.23181962527786,-134.20111549828951,-222.93763791904721]
[" Net flows",null,null,null,null,-818.24392265829488,-127.81835503334392,94.638936940990305,-222.93763791904721]
["Market performance/interest credited",null,null,null,null,11.513751256917846,13.496348046999048,239.70025831775411,13.451830355793357]
["FX impact and other",null,null,null,null,-70.685720969745034,-106.64643807468565,229.19195232970469,-119.13293757449719]
["End of period",null,null,null,null,3147.8754425869065,4025.291334958029,4246.2597800190597,3682.7286324306106]

{"sheet":"4.4.4 Ins. Add. info US","index":37,"n_rows":30,"n_cols":9,"rows_kept":30,"cut":false,"hidden":false,"merged":[]}
[]
["INSURANCE 4.4.4 ADDITIONAL INFORMATION INSURANCE US: UNITED STATES"]
[]
[]
["Deferred Acquisition Costs and Value of Business Acquired - Retirement"]
["In EUR million","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012"]
["Beginning of period",null,null,null,null,2096.5796294147231,2167.9081956797968,2162.9935947859308,2317.5861269890315]
["Capitalisation",null,null,null,null,68.328528772864388,68.463004128294685,69.190371651759747,65.009370938000657]
["Amortisation",null,null,null,null,-145.78199249303418,85.273102572245122,-114.46501850113644,-108.79356730449501]
["Adjustment for unrealised gains (losses)",null,null,null,null,42.268918244690241,-169.53159733248648,-76.8576770019626,-41.668933829086185]
["FX impact and other",null,null,null,null,-41.533886774832354,-55.533075633127282,127.04692474520516,-69.139402007520403]
["End of period",null,null,null,null,2019.8611971644114,2096.5796294147231,2167.9081956797968,2162.9935947859308]
[]
["Deferred Acquisition Costs and Value of Business Acquired - Insurance Solutions, Closed Blocks Institutional Spread Products and Other"]
["In EUR million","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012"]
["Beginning of period",null,null,null,null,2283.9728884762676,2387.3389112134687,2385.8209963666327,2293.1570809516456]
["Capitalisation",null,null,null,null,72.198074133206433,87.661162273737673,111.45829293078171,98.95786100782928]
["Amortisation",null,null,null,null,-43.800102088594471,-48.766275007939029,-66.255788877597723,-49.466461110607291]
["Adjustment for unrealised gains (losses)",null,null,null,null,7.1977402344199604,-81.756113051762455,-183.72908440707153,113.73824854145883]
["FX impact and other",null,null,null,null,-46.151947356763223,-60.504796951237502,140.04449520072356,-70.565733023693042]
["End of period",null,null,null,null,2273.4166533985363,2283.9728884762676,2387.3389112134687,2385.8209963666327]
[]
["Deferred Acquisition Costs and Value of Business Acquired - Total US Retirement and Insurance"]
["In EUR million","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012"]
["Beginning of period",null,null,null,null,4380.5525178909911,4555.2471068932664,4548.8145911525635,4610.7432079406763]
["Capitalisation",null,null,null,null,140.52660290607079,156.12416640203239,180.64866458254141,163.96723194582992]
["Amortisation",null,null,null,null,-189.58209458162867,36.506827564306093,-180.72080737873415,-158.26002841510231]
["Adjustment for unrealised gains (losses)",null,null,null,null,49.466658479110208,-251.2877103842489,-260.58676140903412,72.069314712372645]
["FX impact and other",null,null,null,null,-87.685834131595584,-116.03787258436478,267.09141994592937,-139.7051350312131]
["End of period",null,null,null,null,4293.2778505629476,4380.5525178909911,4555.2471068932664,4548.8145911525635]

{"sheet":"4.4.5 Ins. Add. info US","index":38,"n_rows":35,"n_cols":11,"rows_kept":35,"cut":false,"hidden":false,"merged":[]}
[]
["INSURANCE 4.4.5 ADDITIONAL INFORMATION INSURANCE US: UNITED STATES"]
[]
[]
["Margin Analysis - Insurance US On-Going Business 1)"]
["In EUR million","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012","FY2013","FY2012"]
["Investment margin",null,null,null,null,247.28594675996771,254.59171250931979,260.77278041223138,246.32737749153182,null,1008.9778171730508]
["Fees and premium based revenues",null,null,null,null,294.41693431028642,293.72019936645222,293.30674980112377,291.23641382710082,null,1172.680297304963]
["Technical margin",null,null,null,null,38.102885690375238,27.842774034793415,2.6065651617120631,8.9336142629911084,null,77.485839149871836]
["Operating Income",null,null,null,null,579.80576676062947,576.15468591056549,556.68609537506723,546.49740558162387,null,2259.1439536278863]
["Administrative expenses",null,null,null,null,213.30052024277299,203.769871703875,210.25812114966101,214.109149273843,null,841.437662370152]
["DAC amortisation and trail commissions",null,null,null,null,180.41903110078201,188.64796523322099,179.802663378332,176.28591093064199,null,725.15557064297604]
["Life expenses",null,null,null,null,393.719551343555,392.41783693709601,390.06078452799301,390.39506020448499,null,1566.59323301313]
["Operating result (CFX)",null,null,null,null,186.08621541707481,183.73684897346988,166.62531084707427,156.10234537713899,null,692.55072061475789]
["FX impact",null,null,null,null,0.13176149595818742,7.5434318446790485,1.2522102324688262,-2.6723341445585902,null,6.2550694285475856]
["Operating result (HFX)",null,null,null,null,186.217976913033,191.28028081814892,167.8775210795431,153.4300112325804,null,698.80579004330548]
["Non-operating volatile items",null,null,null,null,26.702444430746709,190.8578900978388,2.3739666186827151,47.820188796282352,null,267.7544899435506]
["Underlying result before tax (HFX)",null,null,null,null,212.92042134377971,382.1381709159877,170.25148769822582,201.25020002886276,null,966.56027998685602]
["1) Current FX: Average FX 4Q2012"]
[]
["Margin Analysis - Insurance US Closed Blocks Institutional Spread Products and Other 1)"]
["In EUR million","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012","FY2013","FY2012"]
["Investment margin",null,null,null,null,13.11418316843084,14.619208429601098,17.871436251334252,22.515699590461669,null,68.120527439827853]
["Fees and premium based revenues",null,null,null,null,1.9892538321602096,0.65453373145326577,0.77533958657957158,0.82566390080775365,null,4.2447910510008002]
["Technical margin",null,null,null,null,-4.0298747227104981,-5.5713282007588836,-8.6785462993524156,-17.015195337186601,null,-35.294944560008403]
["Operating Income",null,null,null,null,11.073562277880551,9.7024139602954822,9.9682295385614097,6.3261681540828212,null,37.070373930820267]
["Administrative expenses",null,null,null,null,7.39756536356587,5.5561819038779001,9.2647573054767598,11.0243821406445,null,33.242886713564999]
["DAC amortisation and trail commissions",null,null,null,null,0.151391244943544,0.126438643219552,0.150176183421733,0.12586446779603799,null,0.55387053938086706]
["Life expenses",null,null,null,null,7.5489566085094104,5.6826205470974598,9.4149334888984892,11.1502466084406,null,33.796757252945902]
["Operating result (CFX)",null,null,null,null,3.5246056693711396,4.0197934131980269,0.55329604966291845,-4.8240784543577355,null,3.2736166778743492]
["FX impact",null,null,null,null,-0.11482860076565604,6.3781214977849388E-2,-1.5950416353578523E-2,4.0576406938292564E-2,null,-2.6421395203092501E-2]
["Operating result (HFX)",null,null,null,null,3.4097770686054836,4.0835746281758762,0.53734563330933993,-4.783502047419443,null,3.2471952826712567]
["Non-operating volatile items",null,null,null,null,-21.641627600820573,11.334636688655646,-25.467457701697384,-5.5364446107737457,null,-41.310893224636061]
["Underlying result before tax (HFX)",null,null,null,null,-18.231850532215091,15.418211316831522,-24.930112068388045,-10.319946658193189,null,-38.063697941964804]
["1) Current FX: Average FX 4Q2012"]

{"sheet":"4.5 Ins. Additional info IIM US","index":39,"n_rows":27,"n_cols":9,"rows_kept":27,"cut":false,"hidden":false,"merged":[]}
[]
["INSURANCE 4.5 ADDITIONAL INFORMATION INSURANCE US: IIM"]
[]
[]
["Assets under Management (AUM) and Assets under Administration (AUA)"]
["In EUR billion","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012"]
["Proprietary (general account assets)",null,null,null,null,71.011818121990999,72.690734856678702,74.322894027160103,67.097927049481214]
["Retail",null,null,null,null,35.664946671183294,37.1882881960519,35.283523421959401,34.350105779285798]
["Institutional",null,null,null,null,29.996990363026502,26.250544659029899,25.7758703856531,23.892374317217399]
["Total Assets under Management",null,null,null,null,136.6737551562008,136.1295677117605,135.3822878347726,125.34040714598441]
["Assets under Administration",null,null,null,null,47.394060301755204,48.468632066844698,50.530928038437104,49.564616962954702]
[]
["AUM by investor category and Investor class"]
["In EUR billion","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012"]
["Equity",null,null,null,null,33.465397851321178,32.341883732157406,30.248202027477792,29.55547101621903]
["Fixed income",null,null,null,null,97.086749143636993,98.945123929441806,98.491534034307492,91.443683929280397]
["Money Market",null,null,null,null,6.1216067432427295,4.8425586321612304,6.6425503549872902,4.34125078248492]
["Total",null,null,null,null,136.6737537382009,136.12956629376043,135.38228641677259,125.34040572798435]
[]
["AUM rollforward"]
["In EUR billion","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012"]
["Beginning of period",null,null,null,null,136.12956771175999,135.382287834773,125.34040714598399,124.80884135002499]
["Net inflow",null,null,null,null,4.067204438175902,0.6234358939345489,2.1375595209882801,1.4810706981928796]
["Acquisition/ Divestments",null,null,null,null,0,0,0,0]
["Market performance",null,null,null,null,-0.35472610076471028,3.5513112162591298,-0.12167997517671983,2.9468394562578601]
["FX impact and other",null,null,null,null,-3.1682908929706879,-3.42746723320588,8.0260011429765843,-3.8963443584916568]
["End of period",null,null,null,null,136.673755156201,136.12956771175999,135.382287834773,125.34040714598399]

{"sheet":"4.6 Ins. Add. info US CB VA","index":40,"n_rows":38,"n_cols":11,"rows_kept":38,"cut":false,"hidden":false,"merged":[[38,0,38,8]]}
[]
["INSURANCE 4.6 ADDITIONAL INFORMATION INSURANCE US: US CLOSED BLOCK VA"]
[]
[]
["Account value rollforward"]
["In EUR million","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012"]
["Beginning of period",null,null,null,null,33919.321409423239,34024.316143384698,33811.903126006677,32941.077466205788]
["   Deposits",null,null,null,null,97.559852316950554,91.457605589075911,103.0168100472419,94.767389135757696]
["   Withdrawals/Benefits",null,null,null,null,-826.45706522156308,-756.74817402349947,-750.59537200083787,-772.11994800640855]
[" Net flows",null,null,null,null,-728.8972129046125,-665.29056843442356,-647.57856195359591,-677.35255887065091]
["Market performance/interest credited",null,null,null,null,234.57349227427295,1458.3994919021911,-1129.151119764799,2557.8126416976511]
["FX impact and other",null,null,null,null,-672.86994494361716,-898.10365742922295,1989.1426990964173,-1009.6344230261129]
["End of period",null,null,null,null,32752.127743849283,33919.321409423239,34024.316143384698,33811.903126006677]
[]
["Deferred Acquisition Costs and Value of Business Acquired "]
["In EUR million","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012"]
["Beginning of period",null,null,null,null,-0.25840393021538005,-0.26524777636585883,-0.25021538000516125,-0.25799474741224276]
["Capitalisation",null,null,null,null,12.347280835744824,0,0,0]
["Amortisation",null,null,null,null,0,0,0,0]
["Adjustment for unrealised gains (losses)",null,null,null,null,0,0,0,0]
["FX impact and other",null,null,null,null,-0.14610879453197761,6.8438461504787829E-3,-1.5032396360697586E-2,7.7793674070815166E-3]
["End of period",null,null,null,null,11.942768110997466,-0.25840393021538005,-0.26524777636585883,-0.25021538000516125]
[]
["Margin Analysis1)"]
["In EUR million","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012","FY2013","FY2012"]
["Investment margin",null,null,null,null,5.2629605568532698,0.2419049486315622,-3.8991092164155918,5.8654465821260802,null,7.4712028711953202]
["Fees and premium based revenues",null,null,null,null,29.035728752124122,20.594290977415135,24.255213196234166,25.842982223380037,null,99.728215149153456]
["Technical margin",null,null,null,null,1.4632248712379297,9.4952628474436356,0.36466934809139095,9.328059050192282,null,20.651216116965237]
["Operating Income",null,null,null,null,35.761914180215328,30.331458773490333,20.720773327909964,41.036487855698404,null,127.85063413731402]
["Administrative expenses",null,null,null,null,23.687053347047499,23.485761795838201,26.718110777638799,24.3446769394914,null,98.235602860015803]
["DAC amortisation and trail commissions",null,null,null,null,39.353742959341098,37.008813477229602,36.262811067017701,37.094880817322803,null,149.720248320911]
["Life expenses",null,null,null,null,63.0407963063886,60.494575273067802,62.9809218446565,61.439557756814203,null,247.955851180927]
["Operating result (CFX)",null,null,null,null,-27.278882126173297,-30.163116499577431,-42.260148516746526,-20.403069901115821,null,-120.10521704361307]
["FX impact",null,null,null,null,-1.0368122333680674E-2,-1.3181991024735602,-0.71690441959534468,0.29719878360217322,null,-1.7482728608004123]
["Operating result (HFX)",null,null,null,null,-27.289250248506978,-31.481315602050991,-42.97705293634187,-20.105871117513647,null,-121.85348990441348]
["Non-operating volatile items",null,null,null,null,163.48615917136317,-316.2335804509226,259.18312222933992,-364.10182024698378,null,-257.66611929720329]
["Underlying result before tax (HFX)",null,null,null,null,136.19690892285618,-347.71489605297359,216.20606929299805,-384.20769136449741,null,-379.47960920161671]
["1) Current FX: Average FX 4Q2012"]

{"sheet":"5.1.1. Ins. Other P&L","index":41,"n_rows":30,"n_cols":11,"rows_kept":30,"cut":false,"hidden":false,"merged":[[30,0,30,10]]}
[]
["INSURANCE 5.1.1 PROFIT AND LOSS INSURANCE OTHER: CORPORATE LINE"]
[]
[]
["Insurance: Profit and loss Corporate Line Other"]
["In EUR million","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012","FY2013","FY2012"]
["Gross premium income",null,null,null,null,-1.9446546061799381,-1.9527283562101729,-1.9257282657508767,-1.8693247610804065,null,-7.6924359892213943]
["Commission income",null,null,null,null,-10.319424489999932,-9.9194482300000288,-8.877686690000985,-13.883793590000067,null,-43.000353000001013]
["Total investment and other income",null,null,null,null,53.29945141895314,26.894085396359174,-1.8284286492853425,35.685259939910338,null,114.05036810593731]
["Total underlying income",null,null,null,null,41.035372322749936,15.021908810160312,-12.631843605030554,19.932141588830291,null,63.357579116709985]
["Reinsurance and retrocession premiums",null,null,null,null,-1.9446546061971617,-1.952728356170951,-1.9257282657429187,-1.8693247610805201,null,-7.6924359891915515]
["Net benefits Life insurance for risk company and Non-Life  claims incurred",null,null,null,null,-5.3926386271996307E-6,-2.0163985184704529,-9.4928509497549385E-12,1.7053025658242404E-13,null,-2.0164039111184024]
["Changes in Life insurance provisions for risk company",null,null,null,null,7.4010131356772035E-11,-4.695266397902742E-11,1.1368683772161603E-13,-2.7284841053187847E-12,null,2.4442670110147446E-11]
["Result sharing and rebates",null,null,null,null,-7.9580786405131221E-13,4.0145664570445661E-13,-7.1054273576010019E-14,1.0302869668521453E-13,null,-3.6237679523765109E-13]
["Change in deferred acquisition costs",null,null,null,null,7.1054273576010019E-15,-4.8316906031686813E-13,1.2706502516834917E-13,7.9936057773011271E-15,null,-3.4100500201361683E-13]
["Other underwriting expenditure (incl. change in provision unearned premiums)",null,null,null,null,-7.0485839387401938E-12,1.9895196601282805E-12,14,-14.00000000000108,null,-6.1390892369672656E-12]
["Underwriting expenditure",null,null,null,null,-1.9446599987804802,-3.969126874680569,12.074271734260037,-15.869324761089501,null,-9.7088399002905135]
["Operating expenses",null,null,null,null,15.183079842412042,11.105034051540031,-36.595702110484979,12.288199208592914,null,1.9806109920600079]
["Interest expenses",null,null,null,null,8.2624052570574946,1.8420178990420055,1.8506207118620921,-3.8324074279380085,null,8.1226364400235838]
["Other",null,null,null,null,-3.0198066269804258E-14,-1.6875389974302379E-14,4.4408920985006262E-16,0,null,-4.6629367034256575E-14]
["Total underlying expenditure",null,null,null,null,21.500825100699331,8.9779250759193019,-22.670809664379703,-7.4135329804194043,null,0.39440753181952459]
["Underlying result before tax",null,null,null,null,19.534547045333625,6.043984014868002,10.038965901731046,27.345674627472789,null,62.963171589405462]
["Taxation",null,null,null,null,-5.6042409373494966,-3.5977550936619664,-4.7116234683539133,3.9535353700162812,null,-9.9600841293490952]
["Minority interests",null,null,null,null,-1.7560629999999999,-2.4838039999999939,-1.9088959999999999,-2.380001,null,-8.5287639999999936]
["Underlying net result",null,null,null,null,26.894850982682613,12.12554310853363,16.659485370082109,25.772140257455902,null,81.452019718754258]
["Net gains/losses on divestments",null,null,null,null,1.7256489999999758,16.172540000000001,-19.330829000000321,0,null,-1.4326400000003439]
["Net results from divested units",null,null,null,null,0,0,0,0,null,0]
["Net result from discontinued operations",null,null,null,null,0,0,0,0,null,0]
["Special items after tax",null,null,null,null,6.3957000000254283E-2,-1.1645859999999999,-3.4748200000000953,-30.382150999999805,null,-34.957599999999644]
["Net result",null,null,null,null,28.68445698268107,27.133497108537213,-6.1461636299209772,-4.6100107425417605,null,45.061779718755545]

{"sheet":"5.2.1 Ins. Other MA","index":42,"n_rows":15,"n_cols":11,"rows_kept":15,"cut":false,"hidden":false,"merged":[[15,0,15,10],[16,0,16,10]]}
[]
["INSURANCE 5.2.1 MARGIN ANALYSIS INSURANCE OTHER: CORPORATE LINE"]
[]
[]
["Insurance: Margin analysis Corporate Line Other"]
["In EUR million","4Q2013","3Q2013","2Q2013","1Q2013","4Q2012","3Q2012","2Q2012","1Q2012","FY2013","FY2012"]
["Margin analysis"]
["Operating result",null,null,null,null,17.821868375810993,5.8694218448795255,19.424087261719961,29.361339267474989,null,72.476716749885469]
["Gains/losses and impairments",null,null,null,null,5.8819528174325342E-5,9.2370555648813024E-14,7.4518169412840507E-13,-4.9737991503207013E-13,null,5.8819528514497676E-5]
["Revaluations",null,null,null,null,1.7126198499996974,0.17456217000086127,-9.3851213600003973,-2.0156646400000042,null,-9.5136039799998429]
["Market & other impacts",null,null,null,null,8.8107299234252423E-13,0,1.1368683772161603E-13,2.8421709430404007E-13,null,1.2789769243681803E-12]
["Underlying result before tax",null,null,null,null,19.534547045333625,6.043984014868002,10.038965901731046,27.345674627472789,null,62.963171589405462]
["Key figures"]
["Gross premium income",null,null,null,null,-1.9446546061799381,-1.9527283562101729,-1.9257282657508767,-1.8693247610804065,null,-7.6924359892213943]
["Administrative expenses (total)",null,null,null,null,15.1830798424087,11.105034051542901,-36.595702110485398,12.288199208593401,null,1.9806109920596047]

{"sheet":"Disclaimer","index":43,"n_rows":25,"n_cols":1,"rows_kept":25,"cut":false,"hidden":false,"merged":[[5,0,5,2],[9,0,9,2],[10,0,10,2],[11,0,11,2],[6,0,6,2],[8,0,8,2],[7,0,7,2],[12,0,12,2],[19,0,19,2],[20,0,20,2],[13,0,13,2],[14,0,14,2],[15,0,15,2],[16,0,16,2],[17,0,17,2],[18,0,18,2],[30,0,30,2],[31,0,31,2],[21,0,21,2],[22,0,22,2],[23,0,23,2],[24,0,24,2]]}
[]
["DISCLAIMER"]
[]
[]
[]
["ING Group’s Annual Accounts are prepared in accordance with International Financial Reporting Standards as adopted by the European Union (‘IFRS-EU’). "]
["In preparing the financial information in this document, the same accounting principles are applied as in the 2012 ING Group Annual Accounts."]
["All figures in this document are unaudited."]
["Small differences are possible in the tables due to rounding. "]
["Certain of the statements contained in this report are not historical facts, including, without limitation, certain statements made of future expectations and "]
["other forward-looking statements that are based on management’s current views and assumptions and involve known and unknown risks and uncertainties that "]
["could cause actual results, performance or events to differ materially from those expressed or implied in such statements. Actual results, performance or events"]
["may differ materially from those in such statements due to, without limitation: (1) changes in general economic conditions, in particular economic conditions in ING’s"]
["core markets, (2) changes in performance of financial markets, including developing markets, (3) consequences of a potential (partial) break-up of the euro, "]
["(4) the implementation of ING’s restructuring plan to separate banking and insurance operations, (5) changes in the availability of, and costs associated with, "]
["sources of liquidity such as interbank funding, as well as conditions in the credit markets generally, including changes in borrower and counterparty creditworthiness, "]
["(6) the frequency and severity of insured loss events, (7) changes affecting mortality and morbidity levels and trends, (8) changes affecting persistency levels,"]
["(9) changes affecting interest rate levels, (10) changes affecting currency exchange rates, (11) changes in investor, customer and policyholder behaviour,"]
["(12) changes in general competitive factors, (13) changes in laws and regulations, (14) changes in the policies of governments and/or regulatory authorities, "]
["(15) conclusions with regard to purchase accounting assumptions and methodologies, (16) changes in ownership that could affect the future availability to us"]
["of net operating loss, net capital and built-in loss carry forwards, (17) changes in credit-ratings, (18) ING’s ability to achieve projected operational synergies and "]
["(19) the other risks and uncertainties detailed in the Risk Factors section contained in the most recent Annual Report of ING Groep N.V.."]
["Any forward-looking statements made by or on behalf of ING speak only as of the date they are made, and, ING assumes no obligation to publicly update or revise any "]
["forward-looking statements, whether as a result of new information or for any other reason. This document does not constitute an offer to sell, or a solicitation"]
["of an offer to buy, any securities."]