Contents
Inhoudsopgave Voorwoord Bestuursverslag Corporate governance
Consolidated Financial Statements Company Financial Statements Pillar 3
Annual figures 256
Statement of financial position (before profit appropriation) 256
Statement of income 257
Notes to the company financial statements 258
Accounting policies 258
1 Basis of preparation 258
2 Other accounting policies 264
3 Risk exposure on financial instruments 273
Notes to the statement of financial position 280
1 Cash and balances at central banks 280
2 Short-term government papers 280
3 Loans and advances to banks 280
4 Loans and advances to customers 280
5 Interest-bearing securities 281
6 Shares 281
7 Interests in group companies 281
8 Other equity investments 281
9 Goodwill and other intangible assets 281
10 Tangible fixed assets 282
11 Other assets 282
12 Derivatives 282
13 Trading and investment portfolios 283
14 Due to banks 284
15 Due to customers 284
16 Debt securities in issue 284
17 Other liabilities 284
18 Provisions 284
19 Subordinated liabilities 285
20 Equity 285
Notes to the statement of income 289
21 Net interest income 289
22 Net fee and commission income 289
23 Income from equity interests 289
24 Staff costs 289
25 Regulatory levies 289
26 Income tax 290
Other notes to the financial statements 291
27 Professional securities transactions and assets not
freely available 291
28 Contingent liabilities 291
29 Irrevocable facilities 292
30 Main subsidiaries 292
31 Remuneration of the Supervisory Board and the
Executive Board 293
32 Approval of the Supervisory Board 294
Other information 295
Events after the reporting date 296
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Contents