ING Bank N.V.

ING Bank N.V. is the main banking subsidiary of ING Group N.V., headquartered in Amsterdam and operating retail and wholesale banking under the ING brand across Europe and selected international markets. The bank offers current and savings accounts, payments, cards, mortgages, consumer loans, and in some jurisdictions brokerage and investments for individuals, alongside SME and corporate services; wholesale activities include lending, transaction services, trade and commodity finance, financial markets and debt capital markets. Distribution is predominantly digital via mobile and web, with limited branch presence in certain countries; authentication follows PSD2 strong customer authentication standards, and SEPA Instant, Apple Pay and Google Pay are supported in many markets. ING Bank N.V. is directly supervised by the European Central Bank under the Single Supervisory Mechanism with De Nederlandsche Bank as national competent authority; deposits placed with Dutch-licensed entities are covered by the Netherlands Deposit Guarantee Scheme up to €100,000 per depositor per bank, while coverage and limits in other countries depend on the local licensed entity. The group’s retail footprint has been adjusted in recent years, with exits from France and Austria for consumer banking while maintaining wholesale operations in key financial centers; in other countries, services may be provided by local subsidiaries of ING Group rather than ING Bank N.V. Recent disclosures show capital and liquidity ratios above regulatory minima (for example, a CET1 ratio in the mid‑teens and LCR above 100%), and major rating agencies assign high investment‑grade long‑term ratings to ING Bank N.V. Key risk areas include mortgage and corporate credit risk, market and funding risk, operational and cyber risk, and compliance risk; the bank settled anti‑money‑laundering shortcomings with Dutch authorities in 2018 and continues remediation programs, and it has reduced Russia-related exposures since 2022 with associated provisions. Pricing, features and eligibility criteria vary by country and product, including potential fees for certain account packages, cash services and non‑SEPA payments, and rates reflect local market conditions and central bank policy. Corporate governance, risk, capital and segment performance are detailed in the bank’s and the group’s periodic reports and regulatory filings.