ING's business lines

We have designated three distinct categories of markets and have developed our strategy accordingly. They are characterised as Market leaders, Challengers and Growth markets.

Market Leaders are the Benelux countries (Netherlands, Belgium and Luxembourg) where we have leading market positions in retail banking and wholesale banking.

Challengers are the following countries: Germany, Austria, Spain, Italy, France and Australia. In challenger markets we strive to strengthen our market position. Our business units offer both retail and wholesale banking services.

In Growth markets, we offer a full range of retail and wholesale banking services in strongly expanding economies that offer good growth opportunities. Growth markets are Poland, Turkey, Romania and our business units in Asia.

We provide a range of products and services to support our customers’ needs. We offer retail banking services to individuals, SMEs and mid-corporates in Europe, Asia and Australia. A full range of products and services is provided, albeit offerings may vary according to local demand. Internationally, our thriving wholesale banking network is active in over 40 countries. We operate a good mix of mature and growth businesses worldwide, which we believe provides both earnings stability and significant upside potential.

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