ING Bank NV

ING Bank N.V. is a Netherlands-based universal bank and the principal banking subsidiary of ING Groep N.V., headquartered in Amsterdam and registered under Dutch law (Chamber of Commerce no. 33031431; BIC/SWIFT INGBNL2A). It provides retail and wholesale banking across the Netherlands and internationally through branches and subsidiaries, offering current and savings accounts, payments and cards, mortgages, consumer lending, investment and brokerage services in select markets, and for corporates and institutions, lending, cash management, trade finance, working capital solutions, and financial markets and capital markets products. The bank operates a direct/digital model in several countries and maintains a wholesale network in Europe, the Americas, and Asia; notable affiliates within the group include entities in Belgium, Germany, and Poland. ING Bank N.V. is directly supervised by the European Central Bank under the Single Supervisory Mechanism, with the Dutch Central Bank as national competent authority; it is subject to the EU’s bank resolution framework and the Single Resolution Board, and eligible retail deposits held in the Netherlands are covered by the Dutch Deposit Guarantee Scheme up to €100,000 per depositor. The bank reports capital and liquidity buffers above regulatory minima and holds high investment‑grade credit ratings from major agencies (including ratings in the A/Aa ranges). Risk management priorities in recent years have included client due diligence and sanctions compliance enhancements following a 2018 anti‑money laundering settlement in the Netherlands, as well as reductions of Russia‑related exposures after 2022. Product features, fees, rates, and eligibility vary by country and customer segment, PSD2 open‑banking access is available where applicable, and the group discloses climate‑related steering targets (Terra approach) alongside broader sustainability and risk disclosures in its annual and regulatory reports.