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About ING

ING Group N.V. is a Netherlands-based banking group headquartered in Amsterdam, formed in 1991 through the combination of banking and insurance operations, and focused on retail and wholesale banking. It operates primarily in the Netherlands, Belgium, Germany, Poland, Romania, Spain, Italy, and Turkey, with additional corporate and selective retail activities elsewhere; it has exited several retail markets over time, including the United States and Canada (divested earlier in the 2010s), retail banking in France, and certain smaller European franchises. The group is listed on Euronext Amsterdam and has an additional listing in the United States, reports total assets above €1 trillion, and maintains a Common Equity Tier 1 capital ratio in the mid-teens; it serves tens of millions of retail customers, with a strategy centered on digital channels and a limited physical branch footprint outside core markets. Offerings cover current and payment accounts, cards, savings and term deposits, investments and brokerage (where available), consumer loans, mortgages, SME and corporate lending, cash management, trade finance, and capital markets and advisory services via its wholesale bank. Pricing, interest rates, and product availability vary by country and customer segment, and accounts are typically managed through mobile and online platforms with support via contact centers; domestic payment schemes and mobile wallets are supported in many markets. ING is supervised under the European Banking Union’s Single Supervisory Mechanism and local authorities, is subject to EU capital and resolution rules, and its eligible deposits fall under national deposit guarantee schemes (for example, up to €100,000 per depositor in EU countries, subject to conditions). Past risk and compliance issues include a 2018 settlement in the Netherlands related to anti-money-laundering control deficiencies, followed by remediation actions. Recent strategy has emphasized simplifying the footprint, prioritizing primary relationships, cost discipline, and continued investment in technology, which can result in product adjustments and changes to local market coverage over time.