Test E

| Source: ING Group ING Group

Table 1. ING Group key figures
 
First Half
Second Quarter
In EUR million
1H
2004
1H
 2003
%
 Change
2Q
2004
2Q
2003
%
Change
Operating profit before tax:
 
 
 
 
 
 
- Insurance Europe
774
798
-3.0
365
400
-8.8
- Insurance Americas
800
634
26.2
460
395
16.5
- Insurance Asia/Pacific
527
176
199.4
405
105
285.7
- Other
    -43
     88
 
     39
   184
 
Insurance operating profit before tax
2,058
1,696
21.3
1,269
1,084
17.1
 
 
 
 
 
 
 
- Wholesale Banking
1,170
752
55.6
511
358
42.7
- Retail Banking
678
493
37.5
351
257
36.6
- ING Direct
203
31
554.8
128
24
433.3
- Other
    -71
    -66
 
   -21
  -25
 
Banking operating profit before tax
1,980
1,210
63.6
969
614
57.8
 
 
 
 
 
 
 
Total operating profit before tax
4,038
2,906
39.0
2,238
1,698
31.8
Taxation
1,100
678
62.2
568
444
27.9
Third-party interests
    142
    160
-11.3
     65
     88
-26.1
Operating net profit*
2,796
2,068
35.2
1,605
1,166
37.7
- of which Insurance
1,469
1,265
16.1
935
761
22.9
- of which Banking
1,327
803
65.3
670
405
65.4
 
 
 
 
 
 
 
Capital gains/negative value adjustment shares
 
     47
 
     -38
 
 
     36
 
    697
 
Net profit
2,843
2,030
40.0
1,641
1,863
-11.9
 
 
 
 
 
 
 
Net profit per share (In EUR)
1.36
1.03
32.0
0.79
0.95
-16.8
Operating net return on equity**
24.8%
21.5%
 
 
 
 
Debt/equity ratio***
12.1%
14.4%
 
 
 
 
Total staff (average FTEs)
113,300
115,500
-1.9