ING investment case
... min read
Through our diversified presence and product mix, combined with our market-leading digital capabilities and long-term focus on ESG, we have built a future proof business. Our attention to developing customer relationships, our ability to diversify income and our strong expertise in underwriting have resulted in a stable evolution of our earnings. Going forward, we believe ING is very well positioned to benefit from various growth drivers in the market, service our customers at lower costs and continue providing attractive returns to investors
Key messages
- We can benefit from various growth drivers to face the challenges confronting the banking sector
- We have a future proof business through our market-leading digital capabilities and our long-term focus on ESG
- We have delivered strong through the cycle growth and stable bottom line results
- Our strategy makes us well positioned to achieve our ambitions and to provide attractive returns to shareholders
Key figures
Diversified loan
63% Retail Banking / |
Leading digital
25 years experience |
Strong ESG
AA rating by MSCI |
Through-the-cycle primary customer growth8.2% CAGR since 2014 |
Fee income
4.7% CAGR since 2014 |
Low through-the-cycle risk costs~25 bps |
CET1 buffer
~5% |
Attractive return to shareholders50% pay-out |