ING ING Groep N.V.

Margins & Returns

ING Groep N.V. functions as a prominent global financial services institution, offering a comprehensive suite of banking products and solutions across a vast international footprint. Its operations extend throughout the Netherlands, Belgium, Germany, Poland, other European countries, North America, Latin America, Asia, and Australia. The company organizes its business into six distinct segments: Retail Banking focused on the Netherlands, Belgium, Germany, and other regions, in addition to its Wholesale Banking and Corporate Line Banking divisions. ING facilitates various client deposits, including checking and savings accounts, and extends credit options to both businesses and individual consumers. These lending products encompass residential mortgage loans, term loans, revolving credit facilities, and personal loans. Furthermore, its extensive offerings include debt and equity capital market services, working capital solutions, export finance, and daily banking conveniences. The firm also provides expertise in treasury and risk management, corporate finance advisory, specialized lending, and general financing. Customers can also utilize payment and cash management systems, international trade services, and a full array of digital banking experiences, alongside its savings, investment, insurance, and mortgage product lines. ING serves a diverse clientele, including individual customers, a broad spectrum of corporate entities—from small and medium-sized enterprises to mid-market corporations—and other financial institutions. The organization, founded in 1762, is headquartered in Amsterdam, the Netherlands.