25 Assets not freely disposable
The assets not freely disposable primarily consist of interest bearing securities pledged to secure deposits from De Nederlandsche Bank (the Dutch Central Bank) and other banks, serve to secure margin accounts or are used for other purposes required by law. The assets not freely disposable and the items for which they are held are as follows:
Assets not freely disposable
| Customer deposits and other funds on deposit and debt securities in issue | Banks | Other contingent liabilities | Total | |||||
|---|---|---|---|---|---|---|---|---|
| 2007 | 2006 | 2007 | 2006 | 2007 | 2006 | 2007 | 2006 | |
| Investments | 1,601 | 2,686 | 3,803 | 4,483 | 403 | 590 | 5,807 | 7,759 |
| Loans and advances to customers | 130 | 548 | 781 | 2 | 96 | 911 | 646 | |
| Banks | 8 | 1,596 | 1,100 | 6 | 7 | 1,602 | 1,115 | |
| Other assets | 3,816 | 3,700 | 652 | 1,016 | 141 | 532 | 4,609 | 5,248 |
| 5,547 | 6,942 | 6,832 | 6,601 | 550 | 1,225 | 12,929 | 14,768 | |
Banks includes Amounts due from banks and balances with central banks. ING Bank N.V. has an obligation to maintain a reserve with an average monthly balance with the Dutch Central Bank. In December 2007 the required monthly average was EUR 5,676 million (2006: EUR 5,295 million). On 31 December 2007 the balance on this reserve was EUR 1,375 million (2006: EUR 4,076 million).
There are no material terms and conditions relating to the collateral represented in the above table which are individually significant.