ING Bank N.V., Sofia Branch

ING Bank N.V., Sofia Branch is the Bulgarian branch of ING Bank N.V. (Netherlands), operating under the EU single banking passport. The branch focuses on corporate and institutional clients and does not provide retail banking. Core activities include corporate current accounts and cash management, domestic and cross‑border payments (including SEPA euro transfers), trade and export finance (documentary credits, collections, guarantees), working capital and term lending (including syndicated facilities), and financial markets services such as foreign exchange and interest rate risk hedging, with investment banking products and capital markets access delivered through the wider ING network. Client onboarding follows EU and Bulgarian KYC/AML rules, with documentation typically available in Bulgarian and English. Digital servicing is provided via ING’s corporate online channels, with file‑based and SWIFT connectivity options subject to setup and eligibility. As a branch of an EU bank, prudential supervision is carried out by the European Central Bank and De Nederlandsche Bank, with host‑country oversight by the Bulgarian National Bank for local operations and payment systems participation. Deposit protection, where applicable, is provided by the Netherlands Deposit Guarantee Scheme up to the statutory limit and not by the Bulgarian scheme; eligibility depends on the depositor and product type. Pricing and terms are relationship‑based and set out in the branch’s tariffs and contractual documentation.