Fixed income information

Funding strategy

ING is a frequent issuer in the debt capital markets, both as part of our regular funding operations and to issue capital instruments. To achieve a well-diversified funding base these issues are done in various currencies, jurisdictions, maturities and formats, with fixed or floating interest rates.

ING issues at ING Group level and at ING Bank level.

ING's Global Green Funding framework

At ING we aim to put sustainability at the heart of what we do, defining new ways of doing business where planet and people are just as important as economic growth.

Endorsing the Paris Agreement in 2015 and joining the Net Zero Banking Alliance in 2021 have set the precedent for the strategic direction of ING to steer our portfolio to net zero by 2050. We use our Terra approach to address the most carbon-intensive parts of our overall lending portfolio and steer those to net zero by 2050 or sooner. At client level, we use our sector expertise, international network and climate-action experience to accelerate our clients’ transitions to a low-carbon economy. Our long-standing commitment to sustainability is recognised by independent institutions that assess our sustainability performance annually.

Society is transitioning to a low-carbon economy. So are our clients, and so is ING. We finance a lot of sustainable activities, but we still finance more that’s not. See how we’re progressing on ing.com/climate.

More on the Global Green Funding framework and an overview of relevant documents

Maturity profile

Long-term debt maturity ladder as per 31 March 2025 (in € bln) *

* Maturity ladder is based on the contractual maturity for bullets and the 1st call/reset date for callable bonds. For certain instruments, the call exercise is subject to pre-emptive authorization by the competent authority and this mapping should not be seen as guidance on their actual exercise. Excludes structured notes.