荷兰国际银行：2019年度荷兰国际银行年度报告（英文版）（449页）.pdf

1、ING Group Annual Report 2019 ING Group Annual Report 2019 Contents | Report of the Executive Board | Corporate governance | Risk Management | Consolidated financial statements | Parent company financial statements | Other information | Appendices Contents Report of the Executive Board ING at a glanc

2、e 3 CEO statement 8 The world around us 13 Our strategy and how we create value 21 Innovation and transformation 28 Our business 41 Our people 66 Developments in risk and capital management 73 Composition of the Executive Board and Management Board Banking 81 ING shares 83 About this report 86 Indep

3、endent auditors assurance report 89 Corporate governance Chairmans statement 92 Report of the Supervisory Board 96 Corporate governance 109 Dutch Corporate Governance Code Statement by the Executive Board 129 Report of the ING Continuity Foundation 131 Conformity statement 132 Remuneration report 13

4、3 Works councils 161 Risk Management Risk management 162 Consolidated financial statements Consolidated statement of financial position 252 Consolidated statement of profit or loss 253 Consolidated statement of comprehensive income 255 Consolidated statement of changes in equity 256 Consolidated sta

5、tement of cash flows 259 Notes to the consolidated financial statements 261 Parent company financial statements Parent company financial statements 385 Other information and appendices Independent auditors report 400 Articles of Association - Appropriation of results 407 Risk factors 408 Non-financi

6、al appendix 430 Non-GAAP measures 446 General information 448 Contents ING Group Annual Report 2019 3 Contents | Report of the Executive Board | Corporate governance | Risk Management | Consolidated financial statements | Parent company financial statements | Other information | Appendices ING at a