ING Groep N.V. — Fund Information / Factsheet 2007

Aug 8, 2007

ING US STATISTICAL SUPPLEMENT

30 June 2007

US Contribution to Insurance Americas and ING Group Results

(All amounts presented in US Dollars in millions unless otherwise indicated)

TABLE OF CONTENTS

	P A G E
I N G U S O V E R V I E W
Ba is f Pr ion ta t s o es en	3
S Co U tr i bu t ion to Ins Am ica d I N G Gr Re l ts Un de ly ing Pr f i t Be fo Ta n ur an ce er s a n ou p su r o re x –	5
ig ig H h l h ts	6
I N C O M E, S A L E S, A N D V A L U E B A S E D I T E M S
Un de ly ing Pr f i Be fo Ta t r o re x	7
Sa ( S ) ( ) les U Ba is d An l Pr ium Eq iva len t A P E s an nu a em u	8
Va lue f Ne Bu ine d In l Ra f Re te te tu o s ss a n rn a o rn w	9
Gr Pr ium os s em s	1 0
Op ing Ex d He dc t t er a p en se s a n a ou n	1 1
Co i ins te Ma mp os rg	1 2
Ge l Ac Gr Inv Inc by As C las Po fo l io Y ie l d a d Inv Ga ins ( Lo ) t - tm t t t tm t ne ra co un os s es en om e se s, r n es en ss es	1 3
C S S B A L A N E H E E T I T E M
Se S S S t Ba lan he t d U F ina ia l tre t h Ra t ing g me n ce e an nc ng s	1 4
Ge l Ac As by As C las t ts t ne ra co un se se s	5 1
Ge l Ac F ixe d Inc Se i ies by Cr d i Qu l i d W ig h d Av Cr d i Qu l i t t t ty te t ty ne ra co un om e cu r e a an e er ag e e a	1 6
As Un de Ma / As Un de A dm in is ion ts t ts tra t se r na g em en se r	1 7
fo Ac t Va lue Ro l l d co un rw ar	1 8
De fe d Ac is i ion Co d Va lue f Bu ine Ac ire d Ro l l fo d t ts rre q s an o s ss q rw ar u u	1 9
S A D D I T I O N A L I T E M
Ec ic Tr ds Im ing U S Bu ine U S 1 0 Ye Tr Ra Mo Pr S & P 5 0 0 In de d Cr d i Cy le t te tg ts t on om en p ac s ss es ar ea su ry r ag e ep ay me n x a n e c - , ,	2 0
U S Do l lar Eu Cu Ex ha Ra to te ro rre nc y c ng e s	2 1
De ip ion f Bu ine Un i t ts sc r s o s ss	2 2

ING US STATISTICAL SUPPLEMENTBASIS OF PRESENTATION

• 1. Financial amounts disclosed herein are determined in accordance with International Financial Reporting Standards ("IFRS") as endorsed by the European Union. This report is for information purposes only and should be read in conjunction with the ING Groep N.V. Annual Report on Form 20-F filed with the United States Securities and Exchange Commission. "Underlying profit before tax" as used in the supplement refers to IFRS pre-tax income including realized gains on equity investments allocated by ING Group and excluding items in the ING Group Corporate segment, such as financing activities on core debt and the results of divestments. A reconciliation of "underlying profit before tax" and net profit for ING Group consolidated is provided in the quarterly financial press release. Sales, premiums, expenses, and FTE's reported in the supplement also exclude results of divestments.
• 1. All amounts are in US Dollars in millions unless otherwise indicated.
• 1. All amounts are unaudited.
• 1. Certain reclassifications have been made to the prior periods to conform to the current presentation. In Q2 2007, prior period sales for Investment Management (other third party business) were restated for money market accounts sold to institutional clients in order to conform with the current presentation. Sales of money market accounts are presented on a net flows basis consistent with how money market funds are reported within retail mutual funds and consistent with industry reporting.
• 1. Results are classified by ING Group's legal structure as either banking or insurance. ING US includes only the US insurance activities of Insurance Americas and does not include certain US banking activities.
• 1. Management determines its reporting segments based on the internal governance structure and considers, where practical, common industry product segmentation. For management reporting purposes, all investment management and administrative services performed on behalf of affiliated business units are provided on a transfer-cost pricing basis. As a result, Investment Management profit before tax reflects only the results of certain non-insurance proprietary investment portfolios and activities to manage third party assets, including retail mutual funds.
• 1. The profit before tax for the business units within the United States is presented before the effects of investment gains and losses. The Company believes this provides investors with a better measure of the on-going performance of these business units because it excludes the impact of investment gains and losses that tend to be variable from period to period. United States investment gains and losses are presented in total and include credit related investment gains (losses) net of recoveries of any previously impaired investments and net of DAC and policyholder reserve offsets; and interest and certain market related investment gains (losses) net of DAC and other policyholder reserve offsets. Interest and other market related investment gains (losses) includes realized results from disposals of fixed income investments, the adjustment under the effective interest method for interest sensitive assets required under IFRS; and valuation results from non-trading derivatives. Valuation results from non-trading derivatives include market value adjustments for derivatives net of the basis adjustment on the hedged asset or liability. In Q1 2007, investment gains (losses) include a gain on the disposition of a minority equity investment.
• 1. For certain experience rated products, the customer assumes investment (including realized capital gains and losses) and other risks, subject to, among other things, minimum principal and interest guarantees. For these products, interest related gains (losses) are offset by a corresponding increase/decrease to an Experience Rated Reserve ("ERR"). The ERR released in future periods is partly offset by amounts attributed to policyholders on a basis consistent with credited rates on these products.
• 1. Annual Premium Equivalent ("APE") represents 100% of annual premiums on new sales and 10% of single premium new sales consistent with the manner many European insurers report sales (APE includes sales of long-term contracts only, e.g. does not include retail mutual funds and other third party investment management sales, etc.). Sales (US basis) are presented in a manner consistent with other US companies and the calculation varies by product. Retirement Services sales represent initial deposits for the first twelve months. Variable Annuity and Fixed Annuity sales are reported on a cash basis before any reinsurance consistent with insurance industry standards from LIMRA/VARDS. Individual Life Insurance and Employee Benefits sales are reported based on the calculation of weighted annual premium consistent with internal reporting. Group Reinsurance sales are based on annualized premium at policy issue date, before any retrocession. Institutional Markets sales represent gross asset production. Investment Management retail mutual funds sales are reported on a cash basis. Investment Management other third party sales represent cash deposits from new and existing third party clients, except for money market accounts which are reported on a net flows basis.

ING US STATISTICAL SUPPLEMENTBASIS OF PRESENTATION

• 1. Value of New Business ("VNB") is an indicator of the economic value created from sales of long-term contracts such as retirement plans, annuities, and life insurance. It represents the present value of the estimated future after-tax profits generated by new sales during the period, less the cost of holding the required capital associated with these new sales. The US long-term discount rate used to calculate VNB was adjusted from 7.9% to 8.3% as of October 1, 2006, retroactive for all sales since January 1, 2006. The internal rate of return ("IRR") on new business, on an US dollar basis, represents the discount rate at which the present value of estimated future profits equals the investment in new business (e.g. the projected return on the investment in new business). The IR R on a Euro basis represents the US dollar basis IR R adjusted for expected US currency movements relative to the euro in order to make IRRs more comparable by country ("Currency Risk Adjustment"). The currency risk adjustment for the US was adjusted as of October 1, 2006, retroactive for all sales since January 1, 2006. Please refer to the ING Group 2006 Embedded Value Report for more details related to VNB and IR R.
• 1. Gross Premiums exclude deposits from investment contracts as defined by IFRS 4, primarily guaranteed investment contracts and immediate annuities without life contingencies. Other premiums include gross premiums related to divested business units ceded to the acquiring companies.
• 1. Composite margins represent the net margin for fixed annuities, variable annuity fixed account options and retirement services accumulation products.
• 1. Capital, excluding AOCI, as reflected in the Segment Balance Sheet is maintained at levels sufficient to meet rating agency and regulatory requirements. Capital includes shareholders equity, external debt and loans from parent companies. The composition of the capital is managed at the ING Group level. Accumulated other comprehensive income ("AOCI") represents unrealized gains and losses, net of ER R, DAC, tax, and other policyholder offsets.
• 1. Certain information within the supplement titled "General Account" reflects the results of the insurance legal entities and related consolidating adjustments. General Account excludes the holding company and other non-insurance company affiliates' investment information.
• 1. Investments, as reflected in the Segment Balance Sheet, include fixed income securities, mortgage loans, equity investments, real estate investments, policy loans, and limited partnerships. Fixed income securities are reported at market value in the balance sheet and at amortized cost as noted for all other presentations.
• 1. General Account Assets by Asset Class and General Account Gross Investment Income exclude affiliated common stock, investments held under Modco Reinsurance agreements, and cash related to treasury operations. The General Account Assets by Asset Class includes short-term investment borrowings and due and accrued interest. The General Account Gross Investment Income includes the interest expense associated with short-term investment borrowings. General Account Gross Investment Income before investment gains (losses) includes prepayment fee income, realized gains on equity investments allocated by ING Group, the amortization of realized results on ER R products, and market value adjustments related to limited partnerships and real estate. Interest and other market related investment gains (losses) include realized results from disposals of fixed income investments (net of ER R offsets), the adjustment under the effective interest method for interest sensitive assets required under IFRS; and valuation results from nontrading derivatives. Valuation results from non-trading derivatives include market value adjustments for derivatives net of the basis adjustment on the hedged asset or liability
• 1. General Account portfolio yields are calculated by dividing [pre-tax gross investment income before or after credit related investment gains (losses) as designated and before the financial impact of derivatives that hedge equity-related liability exposure] by [average invested assets at amortized cost and ER R]. Equity-related derivatives are utilized to hedge the market exposure related to indexed annuities and guaranteed benefits for variable products.
• 1. Assets under management (AUM) is an internal performance measure used by ING US since a significant portion of its revenue is based upon asset values. These revenues increase or decrease with a rise or fall, correspondingly, in the level of AUM. General Account AUM represents balance sheet assets for which the Company bears the investment risk. Separate Account AUM represent assets on the balance sheet classified as "investments for the risk of policyholders" in which the policyholder bears the investment risk. Institutional/Mutual Funds AUM represent assets for which investment management services are provided but do not represent balance sheet assets.
• 1. Assets under administration (AUA) represent accumulated assets on contracts under which Retirement Services provides one or more services, such as record keeping, principal guarantees, etc. These contracts are not insurance contracts and the assets are excluded from the balance sheet and sales or deposits are not reported as premiums.
• 1. Certain key financial information, operating profit data and statistical measures have been incorporated herein to provide supplemental data that indicate trends in the US business. The impacts of accounting changes and other nonrecurring items are excluded from certain trend information, as disclosed.

US Contribution to Insurance Americas and ING Group Results Six Months Ended 30 June 2007Underlying Profit Before Tax

1Excludes amounts reported in the ING Group Corporate Segment.

2Percentages based on results in Euros.

3 Excludes credit and interest related investment gains (losses) and amounts reported in "Other"

Highlights

30 June 2007

Unaudited

( U S Do l lar in M i l l ion ) s s	S ix Mo hs nt 2 0 0 7	S ix Mo hs nt 2 0 0 6	Q 2 2 0 0 7	Q 2 2 0 0 6
Un de ly ing Pr f it Be fo Ta r o re x
W lt h Ma t ea na g em en	6 15	4 3 5	3 3 7	2 1 9
Ins ura nc e	2 45	15 9	1 3 4	6 6
As Ma t t se na g em en	1 4 4	1 0 6	7 9	5 2
Ot he r	3 7	7	1 4	( ) 1 3
( ) Un de ly ing Pr f it Be fo Inv tm t Ga ins Lo r o re es en ss es	1, 0 4 1	7 0 7	5 6 4	3 2 4
Ga ( ) Inv tm t ins Lo es en ss es	( ) 7	( ) 8 6	( ) 27	( ) 3 4
To l U S ta	1, 0 3 4	6 2 1	5 3 7	2 9 0
As Un de Ma d A dm in ist ion ts t a rat se r na g em en n
W lt h Ma t ea na g em en	1 6 5, 9 0 3	1 47 3 9 1 ,
Ins ura nc e	2 2, 2 6 9	2 1, 3 3 5
As Ma t t se na g em en	7 9, 5 5 4	6 6, 0 5 6
Ot he r	( 6 4 6 )	( 1, 2 27 )
To l U S ta	2 6 7, 0 8 0	5 5 5 2 3 3,
Cr ( ) Po rt fo l io Y ie l d A fte d it Ga ins Lo r e ss es	6. 2 9 %	6. 0 3 %	6. 3 9 %	6. 1 1 %
Co ite Ma ins A fte Cr d it ins ( Lo ) Ga mp os rg r e ss es	1. 7 6 %	5 1. 8 %	1. 8 6 %	1. 6 0 %
W lt h Ma Sa les H ig h l ig hts ( U S Ba is ) t ea na g em en s :
Re ire Se ice Ac lat ion Pr du t nt cts me rv s cu mu o	3, 2 1 3	3, 47 8	1, 2 5 5	2, 0 6 2
Va ia b le An ity r nu	3, 0 2 5	3, 0 5 5	1, 9 15	1, 8 6 7
Va lue f Ne Bu ine ( Cu D isc Ra ) at nt nt tes o w s ss rre ou
W lt h Ma t ea na g em en	8 1	1 2 8	45	77
To l U S ta	9 9	1 25	6 4	6 2
Ye Da Int l Ra f Re Ne Bu ine to te te tu ar er na o rn o n w s ss
W lt h Ma ( U S Do l lar Ba is ) t ea na g em en s	1 2.5 %	1 3. 6 %
S ( S ) To l U U Do l lar Ba is ta s	1 1. 2 %	1 1. 9 %
S ( ) To ta l U Eu Ba is ro s	1 0. 2 %	1 1.5 %
Gr Pr ium os s em s	5 5 1 1, 4	1 2, 3 0 1	5, 7 6 6	6, 2 3 1
Op ing Ex at er p en se s	9 9 0	9 2 6	5 5 0	4 7 3
He dc nt a ou	8, 6 5 7	8, 5 0 4

Underlying Profit Before Tax

	2 0 0	7		2 0 0	6
( U S Do l lar in M i l l io ) s ns	Q 2	Q 1	Q 4	Q 3	Q 2	Q 1
Un de ly in Pr f i Be fo Inv Ga ins ( Lo ) t tm t r g o re es en ss es
W l t h Ma t ea na g em en
Re ire ice t t s me n erv s	1 6 1	1 2 9	1 1 5	1 0 7	6 1 3	1 1 1
Va ia b le i ty r an nu	8 3	7 9	4 8	6 6	4 3	5 4
F ixe d a i ty nn u	8 5	6 1	3 6	5 6	9 4	5 0
A dv iso Ne k tw rs or	8	9	5	7	-	1
	3 3 7	2 7 8	7 2 6	5 2 4	9 2 1	2 1 6
Ins ur an ce
In d iv i du l l i fe a	9 7	7 0	3 6	4 6	3 4	5 5
Em loy be f i ts p ee ne	2 7	2 3	4 2	2 3	9 1	1 9
Gr ins ou p re ura nc e	1 0	1 8	0 2	0 1	4	1 9
	1 3 4	1 1 1	7 1 0	6 1 0	6 6	9 3
As t Ma t se na g em en
Ins i ion l m ke t tu t ts a ar	3 5	2 5	4 2	1 3	8 2	2 6
Inv tm t m t es en an ag em en	4 4	4 0	9 4	5 3	4 2	2 8
	7 9	6 5	3 7	6 6	2 5	5 4
O he t r	1 4	2 3	6	( 4 )	) ( 1 3	2 0
S To ta l U	5 6 4	4 7 7	3 4 5	3 4 1	4 3 2	3 8 3
Inv Ga ins ( Lo ), f Re la d D A C / Re O f fs tm t t o te ts es en ss es ne se rv e e
Cr d i la d inv ins ( los ) t r te tm t g e e es en a se s	( 2 )	2	6 2	1 5	2	7
In d o he ke la d inv ins ( los ) te t a t t r te tm t g res n r m ar e es en a se s	( ) 2 5	( ) 1 0	( ) 3	( ) 1 1	) ( 3 6	( ) 5 9
Ga in d isp i ion f m ino i i inv t ty ty tm t on os o r eq u es en	-	2 8	-	-	-	-
	( ) 2 7	0 2	2 3	4	) ( 3 4	( ) 5 2
in f i fo U d ly Pr t Be Ta n e r g o re x	5 3 7	4 9 7	6 4 7	7 4 1	0 2 9	3 3 1

d i d t n a e u	20	07		20 0 6
( U S Do lla in Mi llio ) rs ns	Q 2	Q 1	Q 4	Q 3	Q 2	Q 1
Sa les ( U S Ba is ) s
We lth M t a an ag em en
Re tire rvi nt me se ce s
Ac lat ion du cts cu mu p ro	1, 55 2	1 1, 66	1, 76 0	1, 68 4	2, 06 2	1, 41 6
Sta b le lue du cts va p ro	67 5	8 29	39 5	26 5	2 46	95 2
Va ria b le ity an nu	1, 91 5	7 1, 58	1, 66 7	1, 65 2	1, 87 6	1, 67 4
Fix d a ity e nn u
Ind d a itie ex e nn u s	33 8	4 35	48 9	54 7	0 69	57 3
Ot he fix d a itie r e nn u s	27	37	67	10 9	83	56
Ins ura nc e
fe Ind ivid l li ua	72	61	58	53	58	64
fits Em loy be p ee ne	30	14 2	29	35	28	17 2
Gr ins ou p re ura nc e	5	8	17	1	1	18
As t M t se an ag em en
Ins titu tio l m ke ts na ar	1, 51 6	7 1, 16	1, 27 4	1, 02 0	61 7	59 6
Inv tm t m t es en an ag em en
Re il m l fun ds ta utu a	1, 75 6	5 2, 15	1, 83 9	1, 18 8	1, 36 4	1, 25 3
Ot he r th ird inv art tm t m t -p y es en an ag em en	2, 53 2	2 3, 06	2, 82 6	2, 12 0	2, 94 9	71 6
An l Pr iu Eq iva le ( A P E ) t nu a em m n u
We lth M t a an ag em en
Re tire rvi nt me se ce s
Ac lat ion du cts cu mu p ro	44 8	3 50	49 2	45 9	2 49	46 6
Sta b le lue du cts va p ro	67	30	40	27	46	95
Va ria b le ity an nu	19 1	9 15	16 6	16 5	7 18	16 7
Fix d a ity e nn u	36	39	55	66	77	63
Ins ura nc e
Ind ivid l li fe ua	74	62	58	56	58	67
Em loy be fits p ee ne	30	14 2	18	43	24	16 7
Gr ins ou p re ura nc e	5	8	17	1	1	18
As t M t se an ag em en
Ins titu tio l m ke ts na ar	15 1	7 11	12 7	10 2	62	60
To l U S ta	1, 0 0 2	0 1, 0 6	3 97	9 19	47 9	1, 10 3

Note : See definition of Sales and APE in Basis of Presentation, footnote 9.

30 June 2007

d i d t u e	20 07			20	06
	Q2	Q1	Q4	Q3	Q2	Q1
( US D oll in M illi s) ars on
Va lue f Ne Bu ine ( "V N B ") o w s ss
We alt h M t an ag em en
Re tire rvic nt me se es	32	18	26	23	29	19
Va ria ble ity an nu	14	17	10	21	35	26
Fix ed ity an nu	( 1)	1	2	6	13	6
	45	36	38	50	77	51
Ins ura nc e
Ind ivid l lif ua e	9	( ) 21	) ( 22	) ( 21	16) (	7) (
Em loy be nef its p ee		13 3	4	2	2	10
Gr Re ins ou p ura nce	1	3	3	1	1	4
	13	( 5)	( 15)	18) (	13) (	7
As t M t se an ag em en
Ins titu tio l m ark ets na	6	4	3	3	2	2
Ot he r	-	-	2) (	1) (	4) (	3
Va lue of Ne Bu sin s ( Cu Dis t R ) at nt ate w es rre co un	64	35	24	34	62	63
Eff of ect ch in d isc nt rat an ge ou e (A )	-	-	( ) 25	7	9	9
Va lue of Ne Bu sin w es s	64	35	( 1)	41	71	72
Ye Da Int l Ra f Re ( "I R R ") to te te tu ar er na o rn
US D oll Ba sis ar
We alt h M t an ag em en
Re tire rvic nt me se es	14 .4%	12 .4%	13 .2%	13 .0%	13 .0%	12 .5%
Va ria ble ity an nu	13 .0%	13 .3%	14 .3%	14 .6%	14 .8%	14 .0%
Fix ed ity an nu	9.0 %	8.6 %	10 .8%	11 .7%	12 .4%	11 .5%
	12 .5%	11 .8%	13 .0%	13 .3%	13 .6%	13 .0%
Ins ura nc e
Ind ivid l lif ua e Em be nef	7.1 % 12	4.2 % 12	1.2 % 11	1.7 % 11	3.5 % 11	5.8 % 11
loy its p ee Gr Re ins	.3% 19 .3%	.3% 18 .8%	.2% 18 .5%	.0% 17 .6%	.2% 16 .7%	.6% 16 .5%
ou p ura nce	9.0 %	7.8 %	6.0 %	6.5 %	% 7.7	9.6 %
As t M t se an em en
ag Ins titu tio l m ark ets na	14 .3%	13 .0%	14 .4%	15 .1%	14 .2%	12 .7%
To tal US ( US Do lla r B is) as	11 .2%	10 .2%	11 .2%	11 .5%	11 .9%	12 .0%
Cu / R isk Ad jus tm t (B rre ncy en )	-1. 0%	-0. 9%	-0. 9%	-0. 4%	-0. 4%	-0. 4%
To tal US ( Eu Ba sis ) ro	10 .2%	9.3 %	10 .3%	11 .1%	.5% 11	11 .6%

(A) Effective October 1, 2006, the US long-term discount rate (used to calculate VNB) was adjusted from 7.9% to 8.3%, retroactive for all sales since January 1, 2006 The effect of the change in discount rate on VNB was retroactively applied to prior quarters in the exhibit above in order to reflect VNB for each quarter at the current discount rate (8.3%) and to exclude the retroactive adjustment reflected in Q4 2006 VNB results. See footnote 10 in Basis of Presentation for more details on VNB.

(B) Effective October 1, 2006, the US IRR country risk adjustment (used to adjust the IRR for expected US currency movements to the euro) was adjusted, retroactive for all sales since January 1, 2006. See footnote 10 in Basis of Presentation for more details on IRR.

Unaudited

	2 0 0	2 0 0 6
( U S Do l la in M i l l io ) rs ns	Q 2	Q 1	Q 4	Q 3	Q 2	Q 1
W l h Ma t t ea na g em en
Re ire ice t t s m en er s v	2, 0 9 8	7 2, 4 1	6 2, 2 8	4 2, 1 3	2, 1 9 2	2, 3 6 0
Va ia b le i ty r an nu	1, 9 8 0	6 1, 6 4	2 1, 7 2	7 1, 7 2	1, 9 2 0	1, 7 0 6
F ixe d i ty an nu	3 8 0	0 4 1	2 6 5	0 6 7	4 8 7	0 6 5
	8 4, 4 5	3 4, 4 7	0 4, 5 7	1 4, 5 3	4, 8 9 6	4, 7 1 6
In su ra nc e
In d iv i du l l i fe a	4 6 7	4 6 5	4 9 7	0 4 6	6 4 8	1 5 5
Em loy be f i ts p ee ne	3 7 1	0 3 7	9 4 1	0 3 4	2 3 4	2 3 4
G ins ro up re ur an ce	8 0	7 8	1 8	0 7	3 9	4 9
	9 2 7	2 9 2	9 9 7	0 8 7	1 9 2	1 9 5
O he t r	3 8 1	3 3 9	8 4 2	4 3 4	4 4 1	3 4 0
To l U S ta	5, 6 6 7	8 5, 8 7	5 5, 9 9	5 5, 4 7	6, 2 3 1	6, 0 0 7

	2 0	0 7			2 0 0 6
( U S Do l la in M i l l io ) rs ns	Q 2	Q 1	Q 4	Q 3	Q 2	Q 1
O in Ex t p er a g p en se s
W l h M t t ea an ag em en	2 9 5	0 2 4	1 2 4	2 3 0	2 3 8	3 2 3
In su ra nc e	1 3 0	5 1 2	3 1 3	1 2 0	1 2 3	3 1 2
As M t t se an ag em en	1 1 6	9 1 1	3 1 1	1 0 4	1 0 0	5 1 0
O he t r	-	1	2	4	1 2	( 8 )
	5 0 5	5 4 8	9 4 8	4 5 8	4 7 3	3 4 5
( F T E ba is ) s
He dc t a ou n	8, 6 7 5	5 8, 6 1	8, 6 0 2	9 8, 5 3	8, 5 0 4	8, 3 8 6

Unaudited

	2 0	0 7	2 0 0 6
	Q 2	Q 1	Q 4	Q 3	Q 2	Q 1
Ea d te rn e ra	9 6 % 5.	2 % 5. 7	1 % 5. 7	% 5. 7 5	0 % 5. 7	6 % 5. 7
Cr d i d te te e ra	4. 0 8 %	4. 0 % 5	4. 0 % 7	4. 0 6 %	4. 1 0 %	4. 1 3 %
Ne in be fo inv ins ( los ) t m tm t g ar g re es en a se s	1. 8 8 %	1. 6 % 7	1. 6 4 %	1. 6 9 %	1. 6 0 %	1. 4 % 5
Cr d i la d inv ins ( los ) t r te tm t g e e es en a se s	-0 0 2 %	0. 0 0 %	0. 0 0 %	0. 0 2 %	0. 0 0 %	0. 0 1 %
Ne in f d i la d in in ( lo ) t m te t r te tm t g ar g a r c re e ve s en a s ss es	1. 8 6 %	1. 6 7 %	1. 6 4 %	1. 7 1 %	1. 6 0 %	1. 5 5 %

Note:

Composite margins include fixed annuities, variable annuity fixed account options, and retirement services accumulation products. Net margin represents earned rate less credited rate. Earned rate represents investment results divided by average statutory reserves. The credited rate represents credited interest divided by average contract holder account values (for Indexed Annuities, the credited interest on the host contract portion of the contract holder account value is divided by the average host contract values). The earned rate includes the amortization of realized results on ERR products, internal and external investment expenses, and excludes credit and interest related investment gains (losses) and non-investment operating expenses.

General AccountGross Investment Income by Asset Class Portfolio Yield and Investment Gains (Losses)

U d i d t n a u e	2 0	0 7	2 0 0 6
( U S Do l lar in M i l l io ) s ns	Q 2	Q 1	Q 4	Q 3	Q 2	Q 1
G Inv In by As C las tm t t ro ss es en co m e se s:
F ixe d Inc Se i ies t om e cu r :
Go / Ag t ve rn m en en cy	2	7	5	5	8	1 4
Pu b l ic te co rp or a	3 3 6	3 3 1	0 3 4	3 6 2	3 7 1	3 7 9
Pr iva te te c or p or a	2 1 7	2 0 1	4 2 0	2 0 5	2 0 5	1 9 4
Re i de ia l m ba ke d i ies t tg t s n or ag e- c se cu r	1 9 9	1 9 3	0 1 9	1 9 2	1 8 9	1 9 6
/ Co As ba ke d i ies ia l t- t se c se cu r m m er c
ba ke d i ies tg t m or ag e- c se cu r	2 0 7	1 9 4	2 1 8	1 7 5	1 5 7	1 3 1
Se To ta l F ixe d In i t ies co m e cu r	9 6 1	9 2 6	1 9 2	9 3 9	9 3 0	9 1 4
M loa tg or ag e ns	1 6 1	1 6 1	3 1 6	1 6 1	1 6 7	1 7 5
Po l icy loa ns	3 5	5 3	3 3	3 3	3 3	4 3
O he t r	1 5 3	6 3	1 2 1	0 1 0	5 6	( 7 )
To l be fo inv ins ( los ) ta tm t g re es en a se s	1, 3 1 0	1, 1 8 5	8 1, 2 3	3 1, 2 3	6 1, 1 8	1, 1 1 6
Cr d i la d inv ins ( los ) t r te tm t g e e es en a se s	( 4 )	1	2 5	2 1	-	7
In d he ke la d inv ins ( los ) te t a t t r te tm t g re s n o r m ar e es en a se s	( ) 3 7	( ) 2 8	( ) 5	( ) 2 5	( ) 4 8	( ) 7 4
( ) To l a f inv ins los ta te tm t g r es en a se s	1, 2 6 9	1, 1 5 8	8 1, 2 5	0 1, 2 2	8 1, 1 3	1, 0 4 9
Po fo l io ie l d be fo inv ins ( los ) t tm t g r y re es en a se s	6. 4 1 %	6. 1 8 %	6. 1 9 %	6. 1 8 %	6. 1 1 %	5. 9 2 %
Cr d i la d inv ins ( los ) t r te tm t g e e es en a se s	-0 0 2 %	0. 0 1 %	0. 1 4 %	0. 0 7 %	0. 0 0 %	0. 0 4 %
Po fo l io ie l d f d i la d in in ( lo ) t te t r te tm t g r a r c re e ve s en a s ss es y	6. 3 9 %	6. 1 9 %	6. 3 3 %	6. 2 5 %	6. 1 1 %	5. 9 6 %

30 June 2007

Unaudited

( S ) U Do l lar in M i l l io s ns	2 0 0 7 Q 2	2 0 0 7 Q 1	2 0 0 6 Q 4	2 0 0 6 Q 3	2 0 0 6 Q 2	2 0 0 6 Q 1
Ca h s	1, 6 8 9	1, 5 1 5	8 1, 4 0	3 2, 2 0	1 2, 1 9	1 2, 2 9
Inv tm ts es en	8 6, 9 9 2	8 6, 4 6 7	8 6, 1 6 0	8 6, 0 4 5	8 3, 3 5 0	8 4, 7 9 1
Inv fo is k o f p l icy ho l de tm ts es en r r o rs	9 5, 5 8 1	8 9, 8 5 0	8 7, 3 9 9	8 0, 8 6 8	7 6, 8 1 3	7 6, 6 4 6
Re ins tra ts ura nc e c on c	6, 2 9 4	6, 2 3 0	3 6, 2 3	1 6, 2 3	6 6, 1 8	1 6, 5 8
F ixe d a ts ss e	5 5	3 5	1 4 9	9 1 2	1 1 2	1 1 0
O he t ts r a ss e	4, 4 4 7	4, 1 7 6	6 3, 7 9	8 4, 2 8	7 4, 2 1	5 3, 7 6
De fe d a is i ion / Va lue f bu ine ire d t ts rre cq u co s o s ss a cq u	9, 2 4 1	8, 4 4 7	3 8, 8 0	8, 6 1 5	2 8, 9 8	2 8, 3 5
T O T A L A S S E T S	2 0 4, 2 9 9	1 9 0 3 5 7,	1 9 3, 9 4 8	1 8 8, 3 9 7	1 8 1, 8 6 0	1 8 2, 0 7 7
Ins d inv tm t c tra ts ura nc e a n es en on c	7 8, 5 3 5	7 8, 2 2 6	7 8, 1 8 4	8 7 8, 2 2	7 6, 7 8 2	7 8, 0 6 5
L i fe ins is ion fo is k o f p l icy ho l de ura nc e p rov r r o rs	9 5, 5 8 1	8 9, 8 5 0	8 7, 3 9 9	8 8 0, 8 6	7 6, 8 1 3	7 6, 6 4 6
Inv f ina ing tm t es en nc (A )	7, 0 0 0	6, 5 4 1	7 6, 9 1	6, 9 0 7	0 6, 8 3	6 7, 0 0
O he l ia b i l i ies t t r	1 0, 1 4 6	5 9, 0 7	8, 5 6 1	9, 7 9 0	1 0, 3 4 9	9, 2 8 3
S T O T A L L I A B I L I T I E	1 9 1, 2 6 2	1 8 3, 6 9 2	1 8 1, 0 6 1	1 7 5, 7 9 3	1 7 0, 7 7 4	1 7 1, 0 0 0
Ca i l, lu d ing A O C I ta p ex c	1 3, 6 8 8	1 3, 4 3 1	1 3, 0 2 9	2 1 2, 6 9	1 2, 1 4 1	1 2, 2 4 0
Ac la d O he Co he ive Inc te t cu mu r mp re ns om e	( 6 5 1 )	( 8 8 )	( 1 4 2 )	( 1 0 6 )	( 1, 0 5 5 )	( 5 3 3 )
C T O T A L A P I T A L	1 3, 0 3 7	1 3, 3 4 3	1 2, 8 8 7	5 6 1 2, 8	1 1, 0 8 6	1 1, 7 0 7
S C T O T A L L I A B I L I T I E A N D A P I T A L	2 0 4, 2 9 9	1 9 7, 0 3 5	1 9 3, 9 4 8	1 8 8, 3 7 9	1 8 1, 8 6 0	1 8 2, 7 0 7
S ina ia S ing U F l tre t h Ra t nc ng s
Mo dy 's o	Aa 3	Aa 3	Aa 3	Aa 3	Aa 3	Aa 3
S da d & Po 's ta n r or	AA	AA	AA	AA	AA	AA

(A) Includes Intercompany Guaranteed Investment Contract (GICs), GIC-backed medium term notes, and short-term investment financing (dollar rolls and repos)

General AccountAssets by Asset Class

30 June 2007

Unaudited

	2 0	0 7	2 0 0 6
( S ) U Do l la in M i l l io rs ns	Q 2	Q 1	Q 4	Q 3	Q 2	Q 1
F ixe d inc i ies t om e se cu r :
Go / Ag t ve rn m en en cy	2 1 0	2 8 9	7 9 2	3 8 2	5 1 5	1, 1 9 4
Pu b l ic te co rp or a	2 3, 3 8 5	2 3, 0 6 4	2 2, 8 1 1	2 3 9 9 5,	9 2 6, 0 4	2 0 0 1 7,
Pr iva te te c or p or a	1 3, 4 0 6	1 3, 4 7 6	1 3, 7 6 8	1 3, 2 1 5	9 1 3, 1 6	1 2, 8 1 4
Re i de t ia l m tg ba ke d s n or ag e- c
i ies t se cu r	1 3, 7 6 7	1 3, 9 4 7	1 3, 7 2 0	1 3, 7 1 2	7 1 3, 8 1	1 3, 7 7 8
/ Co As ba ke d i ies ia l t- t se c se cu r m m er c
ba ke d i ies tg t m or ag e- c se cu r	1 8 3 5, 5	1 3 5, 5 5	1 4, 6 6 3	1 3, 8 4 7	9 1 3, 1 4	1 1, 9 3 7
To l F ixe d inc i ies ta t om e se cu r	6 6, 5 0 4	6 6, 1 3 1	6 5, 7 5 4	2 6 6, 5 8	9 6 6, 6 9	6 6, 7 6 0
Mo loa tg r ag e ns	1 0, 1 0 5	1 0, 1 3 5	1 0, 3 4 8	2 1 0, 2 6	3 1 0, 2 7	1 0, 2 0 9
Co m m on	3 3 4	2 5 7	1 7 4	1 5 9	2 1 3	1 2 4
Pr fe d e rre	3 4 7	1 2 5	1 3 3	1 3 4	4 1 4	1 4 4
O he t r	8 0 6	8 2 2	3 8 5	3 0 6	6 2 0	1 9 3
Eq i ty u	1, 5 1 4	1, 2 0 4	8 4 5	5 9 9	2 4 8	4 6 1
Re l e ta te a s	1 6 3	1 6 3	1 6 3	1 6 4	3 1 6	1 6 4
Po l icy loa ns	2, 4 7 2	2, 4 6 7	2, 4 4 5	2, 3 9 5	2, 3 7 7	2, 3 6 9
S ho inv d d ing lem t te tm ts t t ts r rm es en an p en s e en	1, 0 2 4	9 2 9	1, 2 9 7	6 4 5	6 8 5	1 4 9
O he t ts r a ss e	1, 9 1 7	1, 4 0 5	1, 4 9 0	9 4 7	4 8 2	8 6 7
	8 3, 6 9 9	8 2, 6 9 5	8 2, 3 4 2	0 8 1, 6 3	3 8 1, 0 5	8 0, 9 8 8

Note:Fixed income securities are reported above at amortized cost.

General Account Fixed Income Securities by Credit Quality and Weighted Average Credit Quality

30 June 2007

Unaudited

	2 0	0 7	2 0 0 6
( U S Do l la in M i l l io ) rs ns	Q 2	Q 1	Q 4	Q 3	Q 2	Q 1
Go / Ag t ve rn m en en cy	1 %	1 %	1 %	1 %	1 %	2 %
A	4	4	4	4	4	3
A	3	3	2	1	0	8
A	%	%	%	%	%	%
A	8	8	7	7	6	6
A	%	%	%	%	%	%
A	1	1	2	2	2	2
	8	8	0	1	2	3
	%	%	%	%	%	%
B	2	2	2	2	2	2
B	6	6	6	%	%	%
B	%	%	%	7	7	7
B	3	3	3	3	3	3
B	%	%	%	%	%	%
B & be low	1 %	1 %	1 %	0 %	1 %	1 %
	1	1	1	1	1	1
	0	0	0	0	0	0
	0	0	0	0	0	0
	%	%	%	%	%	%
To l F ixe d inc i ies ta t om e se cu r	6 6, 5 0 4	6 6, 1 3 1	6 5, 7 5 4	6 6, 5 8 2	6 6, 6 9 9	6 6, 7 6 0
W ig h d Av Cr d i Q l i te t ty e er ag e e ua	A+	A+	A+	A+	A+	A+

Note:Fixed income securities are reported above at amortized cost.

Unaudited

( S ) U Do l lar in M i l l io s ns	Ge l ne ra Ac t co un	Se te p ar a Ac t co un	/ Ins t i tu t io l na Mu tu l Fu ds a n	To l ta A U M As ts se - Un de r Ma t na g em en	A U A As ts se - Un de r A dm in is tra t io n	To ta l A U M + A U A
W l t h Ma t ea na g em en
Re ire ice t t s me n erv s
Ac la t ion du ts cu mu p ro c	2 2, 9 0 2	4 4, 9 5 3	1, 6 4 2	6 9, 4 9 7	1 1, 9 4 9	8 1, 4 4 6
S b le lue du ta ts va p ro c					1 5, 6 4 2	1 5, 6 4 2
Va ia b le i ty r an nu	1, 4 0 6	4 5, 9 6 2		4 7, 3 6 8		4 7, 3 6 8
F ixe d a i ty nn u	2 1, 4 4 7			2 1, 4 4 7		2 1, 4 4 7
	4 5, 7 5 5	9 0, 9 1 5	1, 6 4 2	1 3 8, 3 1 2	2 7, 5 9 1	1 6 5, 9 0 3
Ins ur an ce
In d iv i du l l i fe a	1 2 6 4 5,	3, 2 6 5		1 8, 2 9 5		1 8, 2 9 5
f Em loy be i ts p ee ne	2, 3 0 9	1 8		2, 3 2 7		2, 3 2 7
Gr ins ou p re ura nc e	1, 4 1 3			1, 4 1 3		1, 4 1 3
	1 8, 9 8 6	3, 2 8 3	-	2 2, 2 6 9	-	2 2, 2 6 9
As Ma t t se na g em en
Ins i ion l m ke t tu t ts a ar	1 1, 5 9 5			1 1, 5 9 5		1 1, 5 9 5
Inv tm t m t es en an ag em en
Re i l m l fu ds ta tua u n			2 9, 1 8 0	2 9, 1 8 0		2 9, 1 8 0
O he h ir d- inv t t ty tm t m t r p ar es en an ag em en	2, 7 0 4		3 6, 0 7 5	3 8, 7 7 9		3 8, 7 7 9
	1 4, 2 9 9	-	6 5, 2 5 5	7 9, 5 5 4	-	7 9, 5 5 4
O he t r	3 5 4	1, 3 8 3		1, 7 3 7		1, 7 3 7
I N G Mu l fu ds inc lu de d in I N G du tu t a n p ro c			( 2, 3 8 3 )	( 2, 3 8 3 )		( 2, 3 8 3 )
To l ta	9, 3 9 4 7	9 5, 5 8 1	6 4, 5 1 4	2 3 9, 4 8 9 (A)	2 5 9 1 7,	2 6 0 8 0 7,

(A) – Assets Under Management of \$239,489 reflected above exclude assets supporting surplus, short-term investment financing (dollar rolls and repos), and other liabilities, and also exclude General Account unrealized gains and losses. Including these amounts, Assets Under Management on June 30, 2007, are \$247,087 million.

d i d t n a u e
	2 0 0 7		2 0 0 6
( S ) U Do l la in M i l l io rs ns	Q 2	Q 1	Q 4	Q 3	Q 2	Q 1
Re ire ice Ac la io du t t s t ts m en er v s cu m u n p ro c -
Be inn ing f p io d g o er	8, 2 4 5 7	2 4 7 7, 7	4, 1 2 6 7	2, 4 4 5 7	1, 9 9 3 7	6 9, 1 4 9
De i ts p os	2, 6 6 1	3, 0 9 4	2, 8 1 3	2, 6 8 5	3, 3 2 9	2, 8 6 3
W i h dr ls / Be f i t ts aw a ne	( ) 2, 5 9 9	( ) 3, 0 5 9	( ) 2, 7 3 2	( ) 2, 2 8 0	( ) 2, 1 5 3	( ) 2, 5 0 4
/ Ma ke fo In d i d t p te t c te r er rm an ce re s re	3, 1 3 9	9 3 6	3, 0 6 7	1, 3 9 3	( 7 2 4 )	2, 4 8 5
En d f p io d o er	8 1, 4 4 6	8, 2 4 5 7	2 4 7 7, 7	4, 1 2 6 7	2, 4 4 5 7	1, 9 9 3 7
Va ia b le i ty r an nu
Be inn ing f p io d g o er	4 4, 6 4 9	4 3, 5 9 4	4 0, 5 6 3	3 8, 8 5 2	3 8, 4 3 7	3 6, 4 2 8
De i ts p os	1, 9 8 0	1, 6 4 6	1, 7 2 3	1, 7 2 7	1, 9 2 0	1, 7 0 6
W i h dr ls / Be f i t ts aw a ne	( ) 1, 3 1 6	( ) 1, 1 7 9	( ) 1, 1 2 9	( ) 1, 0 5 2	( ) 1, 0 1 5	( ) 1, 0 3 5
/ Ma ke fo In d i d t p te t c te r er rm an ce re s re	2, 0 5 5	5 8 8	2, 4 3 7	1, 0 3 6	( 7 9 6 )	1, 6 4 4
En d f p io d o er	4 3 6 8 7,	4 4, 6 4 9	4 3, 5 9 4	4 0, 5 6 3	3 8, 8 5 2	3 8, 4 3 7
F ixe d i ty an nu
f p Be inn ing io d g o er	2 1, 7 2 0	2 1, 8 7 1	2 1, 7 5 9	2 1, 4 9 2	2 1, 1 4 9	2 1, 0 4 6
De i ts p os	3 9 0	1 4 2	5 7 7	6 8 4	8 0 5	6 6 5
/ f W i h dr ls Be i t ts aw a ne	( ) 9 5 4	( ) 8 1 1	( ) 7 1 1	( ) 6 4 8	( ) 7 1 7	( ) 7 9 6
Ma ke fo / In d i d t p te t c te r er rm an ce re s re	2 9 1	9 2 3	2 4 6	2 3 1	2 5 5	2 3 4
En d f p io d o er	2 1, 4 4 7	2 1, 7 2 0	2 1, 8 7 1	5 2 1, 7 9	2 1, 4 9 2	2 1, 1 4 9
In Re i l m l fu ds tm t m t - ta tu ve s en an ag em en u a n
f p Be inn ing io d g o er	2 7, 6 6 5	2 7, 0 4 7	2 4, 3 8 8	2 3, 9 7 1	2 3, 8 9 8	2 2, 6 9 7
De i ts p os	1, 6 7 5	2, 1 5 5	1, 8 3 9	1, 1 8 8	1, 3 6 4	1, 2 3 5
/ f W i h dr ls Be i t ts aw a ne	( ) 1, 5 1 0	( ) 1, 6 1 1	( ) 1, 2 3 1	( ) 1, 1 0 8	( ) 1, 2 7 0	( ) 1, 1 8 9
Ma ke fo / In d i d t p te t c te r er rm an ce re s re	1, 2 6 9	4 7	2, 0 1 5	3 3 7	( 2 1 )	1, 3 3 1
fe G f f Tr to I N i l ia te an s r a	-	-	-	-	-	( ) 1 9 4
En d f p io d o er	2 9, 1 8 0	2 7, 6 6 5	2 7, 0 4 7	2 4, 3 8 8	2 3, 9 7 1	2 3, 8 9 8

Deferred Acquisition Costs and Value of Business Acquired Rollforward

30 June 2007

d i d t n a u e	20 07		20 06
( US D oll in M illi s) ars on	Q2	Q1	Q4	Q3	Q2	Q1
Re tire rvi nt me se ce s
Be inn ing of rio d g pe	2, 16 2	2, 20 3	2, 15 7	2, 21 5	2, 07 9	1, 99 9
Ca ita liza tio p n	67	67	74	66	69	68
Am iza tio ort n	( 32 )	( 51 )	( 26 )	( 45 )	22	) ( 35
Ad jus t fo aliz ed ins ( los s) tm en r u nre ga se	60	( 12 )	( 2)	) ( 79	45	47
Cu lat ive ef fec f c ha e i tin rin cip le t o mu ng n a cco un g p	-	( 45 )	-	-	-	-
En d o f p eri od	2, 25 7	2, 16 2	2, 20 3	2, 15 7	2, 21 5	2, 07 9
Va ria ble ity an nu
of Be inn ing rio d g pe	2, 61 5	2, 60 2	2, 53 0	2, 51 2	2, 50 8	2, 40 9
Ca ita liza tio p n	15 6	7 12	3 13	3 13	7 14	1 13
Am iza tio ort n	( ) 76	( 0) 10	( ) 60	( ) 97	( 0) 15	) ( 41
Ad jus t fo aliz ed ins ( los s) tm en r u nre ga se	21	9) (	( 1)	( ) 18	7	9
Cu lat ive ef fec f c ha e i tin rin cip le t o mu ng n a cco un g p	-	5) (	-	-	-	-
En d o f p eri od	2, 71 6	2, 61 5	2, 60 2	2, 53 0	2, 51 2	2, 50 8
Fix ed ity an nu
Be inn ing of rio d g pe	1, 07 7	1, 09 6	1, 07 7	1, 26 1	2 1, 05	8 85
Ca ita liza tio p n	45	47	68	76	88	72
Am ort iza tio n	( 55 )	( 29 )	( 37 )	( 10 )	) ( 33	) ( 30
( s) Ad jus tm t fo aliz ed ins los en r u nre ga se	16 2	( ) 37	( ) 12	( 0) 25	15 4	2 15
f p En d o eri od	1, 22 9	1, 07 7	1, 09 6	1, 07 7	1, 26 1	1, 05 2
Ind ivi du al life
Be inn ing of rio d g pe	2, 77 4	2, 77 2	2, 71 7	2, 85 4	2, 75 1	2, 63 1
Ca ita liza tio p n	10 0	72	66	53	65	68
Am iza tio ort n	( ) 43	( ) 44	( 6)	( ) 44	) ( 42	) ( 45
Ad jus t fo aliz ed ins ( los s) tm en r u nre ga se	94	( 21 )	( 5)	( 14 6)	80	97
Cu lat ive ef fec f c ha e i tin rin cip le t o mu ng n a cco un g p	-	5) (	-	-	-	-
En d o f p eri od	2, 92 5	2, 77 4	2, 77 2	2, 71 7	2, 85 4	2, 75 1
Ot he r
Be inn ing of rio d g pe	11 6	0 13	4 13	0 14	2 14	8 14
Ca ita liza tio p n	9	9	10	8	9	7
Am ort iza tio n	( ) 11	( ) 12	( ) 13	( ) 14	) ( 11	) ( 12
t fo ( s) Ad jus tm aliz ed ins los en r u nre ga se	-	-	1) (	-	-	1) (
Cu ef fec f c lat ive t o ha e i tin rin cip le mu ng n a cco un g p	-	( ) 11	-	-	-	-
En d o f p eri od	11 4	6 11	0 13	4 13	0 14	2 14
To tal
Be inn ing of rio d g pe	8, 74 4	8, 80 3	8, 61 5	8, 98 2	8, 53 2	8, 04 5
Ca ita liza tio p n	37 7	2 32	1 35	6 33	8 37	6 34
Am iza tio ort n	( 21 7)	( 23 6)	2) ( 14	( 21 0)	( 21 4)	( 16 3)
Ad jus t fo aliz ed ins ( los s) tm en r u nre ga se	33 7	( 79 )	( 21 )	( 49 3)	28 6	4 30
Cu lat ive ef fec f c ha e i tin rin cip le t o mu ng n a cco un g p	-	( 66 )	-	-	-	-
En d o f p eri od	9, 24 1	8, 74 4	8, 80 3	8, 61 5	8, 98 2	8, 53 2

ING 19

Economic Trends Impacting US Businesses US 10 Year Treasury Rate, Mortgage Prepayments, S&P 500 Index and Credit Cycle

30 June 2007

Unaudited

	2 0 0 7
( U S Do l la Eu ) to rs ro s	Q 2	Q 1	Q 4	Q 3	Q 2	Q 1
S ( ) In ta te t co m e m en av er ag e	1. 3 3 1 3 7	1. 3 1 5 9 8	1. 2 5 6 7 7	1. 2 4 3 0 6	1. 2 2 9 0 5	1. 1 9 8 1 6
Ba lan S he ( l im ) t t ce e u o	1. 3 4 9 7 5	1. 3 3 0 9 0	1. 3 1 8 2 5	1. 2 6 6 4 5	1. 2 1 1 0 7	1. 2 0 9 8 0

Note:

The currency exchange rates represented above are utilized by ING Group to convert the US dollar denominated financial results to Euros.

Additional Items

Bu in Un i t s es s	Pr du Se / Ma ke t t ts o c r
W l h Ma t t ea na g em en
Se Re ire ice t t m en rv s	fe Ta de d loy d ire ing lan in l l c he l h, du ion ke d t t s te t t t m ts x- rre em p er -s p on so re re m en av s p sm a as e co rp or a a e ca g ov er nm en ar an , , Ro l lov I R A d Pa i ies t a t er an y ou nn u
An i ies t nu	fo F ixe d, In de d, Va ia b le, d Pa i ies ire l h la ion d ire inc t t t t w t t t r t t xe r a n y ou an nu r p re -re m en ea ac cu m u a n p os e m en om e l d hr h l ip le ha ls t, t t m an ag em en so ou g m u c nn e
A dv iso Ne k tw rs or	Br ke de ler k o f fe ing fu l l-s ice br ke fe ba d dv iso ins d ice in de de tw tru t s to t o r- a n e or r er v o ra g e, e- se a ry ur an ce a n s er v s p en n , f ive d ina ia l ins i ion tra to ta t t tu t co n c r r ep re se n s a n nc s
In su ra nc e
In d iv i du l L i fe Ins a ur an ce	O Un ive l, Va ia b le, Te B L I p du d is i bu d hr h in de de ha ls l a d bu ine ds f a ts tr te t t c to t p rsa r rm ro c ou g p en n nn e m ee er so na n s ss n ee o , br d f c fro he i d d le ke he f f lue to t t to t t oa ra ng e o us m er s m m m ar m as s a n
Em loy Be f i ts p ee ne	L i fe S Lo D isa b i l i d Vo lun Em loy i d du l d d ium d lar ize d bu ine to ty ta ts to p- ss an ry p ee p a p ro c so m e a n g e s s ss es , ,
G Re ins ro up ur an ce	G / m l i fe i de d ia l ins d isa b i l i ins d ica l d ins t a ty ty ro up ac c n n sp ec re ur an ce g ro up re ur an ce m e an ag e ca re re ur an ce ; ; ,
As t Ma t se na g em en
Ins i ion l Ma ke t tu t ts a r	S b le lue G I Cs d he ic G I Cs fu d ing ( inc lu d ing ba ke d ia l p ic ip l r inv ta t t ts t tm t, va a n sy n n a g re em en a ss e c co m m er c ap er m un a e es en , , fu ), F H L B d ing d ium te te d inc ip l p te t ion d du ts n m e rm n o s, an p r a ro c w ra p s a n p ro c
Inv Ma tm t t es en na g em en	f fo Ge Do ic d in ion l e i ixe d inc d l ive inv ies he l Ac d t te t ty te t tm t m t s tra te t t a m es an rn a a q u om e an a rn a es en an ag em en g r ne ra co un n , 3r d l ien de l ive d hr h l fu d, ins i ion l a d h ig h h i l p du Re i l m l fu ds d los d ty ts t tu t tu t t w t ta ts ta tu p ar c re ou g m u a n a n ne or re ro c u a n a n c e d fu ds l d hr h l ip le ha ls t t en n s o ou g m c nn e u
O t he r
O he t r	Inc lu de inv inc ba k ing lus in f a he l d bu ine i lev l a d l fro f f tm t ts ts t t ts s es en om e on a ss e c s ur p ex ce ss o m ou n a s ss n e n re su m ru n- o u bu ine l ine inc lu d ing he de fe d los iza ion la d he ior d ive f In d iv i du l Re ins t t t te to t tm t o s ss s rre s a m or re p r y ea r s en a ur an ce