{"product_id":"ing-marketing-mix","title":"(ING) ING Groep N.V. Marketing Mix Research","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-List-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eVisual. Strategic. Downloadable.\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eThis ING Groep N.V. 4P's Marketing Mix Analysis explains the company’s Product, Price, Place and Promotion strategies and how they support positioning and sales; the page includes a real preview\/sample of the report so you can inspect style and content before buying. Purchase the full version to receive the complete, ready-to-use analysis for presentations, benchmarking, or strategy work.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-wrapper\"\u003e\n\u003cdiv class=\"container_new_design pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"sub-highlight-wrapper_heading\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/MARKETING-MIX-Content-Product-Icon-1.svg\" alt=\"Icon\"\u003e\n\u003ch2\u003eProduct\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Checkmark-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRetail banking accounts\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eING Groep N.V. offers checking and savings accounts for individual customers, and these accounts sit at the core of its retail banking model across Europe. In 2024, ING served about 38 million customers, showing the scale behind its deposit-led business. These products support daily payments, saving, and cross-sell into lending and investing.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Checkmark-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMortgages and personal loans\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eIn 2025, ING Groep N.V. used mortgages and personal loans to meet core retail demand, serving more than 38 million customers worldwide. Residential mortgages fund home purchases, while personal loans cover other consumer credit needs. This product line supports ING’s long-term lending base and recurring interest income.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/MARKETING-MIX-Content-Product-Image.png\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-box-border\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Checkmark-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCorporate and SME credit\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eING’s Corporate and SME credit gives businesses term loans, revolving credit facilities, and other funding, serving both small and medium-sized enterprises and mid-market corporations. It is a core Wholesale Banking offering, and ING reported a total loan book of €632.5 billion in 2025, showing the scale behind this lending channel.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003ch3\u003ePayments and cash management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eING Groep N.V.'s payments and cash management product supports day-to-day business banking by moving funds, collecting receivables and managing liquidity. It is a core transactional anchor: ING reported EUR 18.3 billion in total income in 2024, and fee-driven cash management helps deepen client ties and steady deposit flows.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eMoves client payments fast\u003c\/li\u003e\n\u003cli\u003eCollects receivables efficiently\u003c\/li\u003e\n\u003cli\u003eSupports liquidity control\u003c\/li\u003e\n\u003cli\u003eStrengthens banking relationships\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003ch3\u003eSavings, investments and insurance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eING Groep N.V. sells savings, investment and insurance products alongside accounts and loans, widening the wallet from basic banking to wealth and protection. In 2025, ING had a large retail base across Europe, which supports cross-sell and fee income. This mix helps deepen client ties and raise value per customer.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eBroader wallet share\u003c\/li\u003e\n\u003cli\u003eSupports cross-selling\u003c\/li\u003e\n\u003cli\u003eAdds fee income\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-box-border\"\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Checkmark-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eING’s 2025 product mix: scale, daily banking, and fee-backed growth\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eING Groep N.V.’s product mix in 2025 centered on retail deposits, mortgages, consumer loans, SME and corporate credit, plus payments and cash management. Its loan book reached €632.5 billion and it served over 38 million customers, so the product set is built for scale, daily use, and fee-backed relationship banking.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eProduct\u003c\/th\u003e\n\u003cth\u003e2025 data\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eLoan book\u003c\/td\u003e\n\u003ctd\u003e€632.5 billion\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCustomers\u003c\/td\u003e\n\u003ctd\u003e38+ million\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"product-includes\"\u003e\n\u003cdiv class=\"product-includes__container\"\u003e\n\u003ch2 id=\"product-includes-title\" class=\"product-includes__title\"\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-includes__grid\"\u003e\n\u003cdiv class=\"include-card\"\u003e\n\u003cdiv class=\"include-card__icon-wrap\"\u003e\n\u003cimg class=\"include-card__icon\" src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Detailed Word Document icon\"\u003e\n\u003c\/div\u003e\n\u003ch3 class=\"include-card__heading\"\u003e\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\u003c\/h3\u003e\n\u003cp class=\"include-card__text\"\u003eA concise, company-specific 4P analysis of ING Groep N.V.’s Product, Price, Place, and Promotion strategy.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"include-card\"\u003e\n\u003cdiv class=\"include-card__icon-wrap\"\u003e\n\u003cimg class=\"include-card__icon\" src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Customizable Excel Spreadsheet icon\"\u003e\n\u003c\/div\u003e\n\u003ch3 class=\"include-card__heading\"\u003e\u003cstrong\u003eEditable Excel File\u003c\/strong\u003e\u003c\/h3\u003e\n\u003cp class=\"include-card__text\"\u003eDistills ING Groep N.V.’s 4Ps into a quick, clear snapshot for faster decisions and easier team alignment.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"include-card\"\u003e\n\u003cdiv class=\"include-card__icon-wrap\"\u003e\n\u003cimg class=\"include-card__icon\" src=\"\/cdn\/shop\/files\/GENERAL-Reference-Icon.svg\" alt=\"References icon\"\u003e\n\u003c\/div\u003e\n\u003ch3 class=\"include-card__heading\"\u003e\u003cstrong\u003eReference Sources\u003c\/strong\u003e\u003c\/h3\u003e\n\u003cp class=\"include-card__text\"\u003eLists primary, reputable sources behind ING Groep N.V.’s market, pricing, and competitive assumptions to speed verification and reduce due-diligence friction.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"pr-shrt-dscr-wrapper\"\u003e\n\u003cdiv class=\"container_new_design pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"sub-highlight-wrapper_heading\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/MARKETING-MIX-Content-Place-Icon-1.svg\" alt=\"Icon\"\u003e\n\u003ch2\u003ePlace\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Checkmark-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAmsterdam headquarters\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eING Groep N.V. is headquartered in Amsterdam, the Netherlands, where its global management and governance functions are anchored. In 2025, the Company served clients in more than 40 countries, and the Amsterdam base supports that scale with central oversight. The location also reflects ING’s Dutch heritage and long-standing roots in the Netherlands.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Checkmark-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRetail presence in 4 core European markets\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eING Retail Banking centers on the Netherlands, Belgium, Germany and Poland, which together anchor its consumer franchise and day-to-day servicing. ING served 40.0 million customers worldwide at end-2024, and these four markets remained the main base for deposits, payments and lending, making local reach a key driver of acquisition and retention.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/MARKETING-MIX-Content-Place-Image.png\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-box-border\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Checkmark-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGlobal wholesale footprint\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eING Groep N.V. serves wholesale clients across Europe, North America, Latin America, Asia and Australia, so multinational firms can work with one bank in many markets. In 2025, ING reported a balance sheet of about €1.1 trillion, which supports a large global banking platform. This wide footprint keeps corporate and institutional services close to cross-border clients and their local cash, trade, and financing needs.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003ch3\u003eDigital banking channels\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eING Groep N.V. uses online and mobile banking as its main distribution channels, so customers can open, manage, and pay for products 24\/7 without a branch visit. This digital setup lowers friction and supports ING’s scale: in 2025, the bank kept a CET1 ratio of 13.6%, while serving customers through app-first access.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e24\/7 access through app and web\u003c\/li\u003e\n\u003cli\u003eLess branch dependence, lower cost\u003c\/li\u003e\n\u003cli\u003eDigital delivery is the key edge\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003ch3\u003eRelationship managers and corporate centers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eING Groep N.V. uses relationship managers and corporate centers to sell wholesale services through direct, high-touch coverage. This channel is built for complex clients that need tailored financing, treasury, and advisory support, so it fits business customers better than mass sales.\u003c\/p\u003e\n\u003cp\u003eThe setup also helps ING push direct sales in corporate banking by keeping decision-makers close to clients. It is a core part of its relationship-led model for larger accounts.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eTailored financing for complex clients\u003c\/li\u003e\n\u003cli\u003eDirect access to corporate banking teams\u003c\/li\u003e\n\u003cli\u003eSupports advisory-led wholesale sales\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-box-border\"\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Checkmark-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eING’s Digital-First Reach Spans 40 Million Customers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eING Groep N.V.’s Place strategy is digital-first and market-local: it serves 40.0 million customers worldwide and keeps its main consumer base in the Netherlands, Belgium, Germany and Poland. Its wholesale reach spans Europe, North America, Latin America, Asia and Australia, with Amsterdam as the control hub. App and web channels carry most customer access, cutting branch dependence.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003ePlace driver\u003c\/th\u003e\n\u003cth\u003eLatest data\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eCustomers\u003c\/td\u003e\n\u003ctd\u003e40.0 million\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCore retail markets\u003c\/td\u003e\n\u003ctd\u003e4 countries\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eWholesale reach\u003c\/td\u003e\n\u003ctd\u003e5 regions\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBalance sheet\u003c\/td\u003e\n\u003ctd\u003e€1.1 trillion\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003ePreview Before You Purchase\u003c\/span\u003e\u003cbr\u003eING Groep N.V. Reference Sources\u003c\/h2\u003e\n\u003cp\u003eThe preview shown here is the actual ING Groep N.V. 4P's Marketing Mix analysis you’ll receive instantly after purchase—fully complete and ready to use, with no placeholders or surprises.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview-Image.png\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-wrapper\"\u003e\n\u003cdiv class=\"container_new_design pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"sub-highlight-wrapper_heading\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/MARKETING-MIX-Content-Promotion-Icon-1.svg\" alt=\"Icon\"\u003e\n\u003ch2\u003ePromotion\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Checkmark-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital-first brand campaigns\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eING Groep N.V. uses digital-first brand campaigns to promote its banking offer across online channels, helping it reach a mass retail base at low cost. The bank serves more than 38 million customers globally, so broad digital reach fits its scale. This also supports ING’s tech-led positioning, with mobile and online banking at the core of how it sells and serves.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Checkmark-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCustomer app and website messaging\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eING Groep N.V. uses its app and website as always-on promotion channels, pushing product, feature and service updates straight to customers and speeding self-service use. With over 40 million customers worldwide, these digital touchpoints can reach scale fast and support daily engagement. The result is lower service friction and stronger adoption of digital products.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/MARKETING-MIX-Content-Promotion-Image.png\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-box-border\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Checkmark-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePublic relations and media visibility\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eING Groep N.V. uses public communication to signal scale and stability to more than 40 million customers, because banking trust depends on reputation as much as product. In 2025, media visibility also helps ING explain new offers and strategic moves fast, which matters when investors and clients watch every signal. Strong PR keeps the brand present in a market where credibility can move deposits, lending, and digital adoption.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003ch3\u003eInvestor relations and reporting\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eING Groep N.V.’s 2025 investor reports, earnings releases, and presentations show its financial strength, with a CET1 ratio near 14% and billions in annual net profit. These disclosures matter most for capital markets, because they give a clear read on capital, liquidity, and earnings quality. They also support trust in ING’s strategy and execution.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2025 earnings releases: core performance\u003c\/li\u003e\n\u003cli\u003eAnnual report: capital and risk data\u003c\/li\u003e\n\u003cli\u003eInvestor materials: strategy and outlook\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003ch3\u003eSustainability and innovation messaging\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eING Groep N.V. uses sustainability, digital innovation, and responsible banking in its messaging to stand out in a crowded market. The brand links these themes to customer trust and stricter EU rules, which matters as ING served about 38 million customers in 2025.\u003c\/p\u003e\n\u003cp\u003eThat mix supports the 4P \"Promotion\" strategy by showing ING as both modern and accountable. It helps the bank win clients who want easy digital service plus clear ESG focus.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eSustainability supports brand trust.\u003c\/li\u003e\n\u003cli\u003eDigital tools improve daily banking.\u003c\/li\u003e\n\u003cli\u003eResponsible banking fits regulation.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-box-border\"\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Checkmark-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eING’s Digital Reach and Strong Capital Reinforce Trusted Banking\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eING Groep N.V. promotes its banking offer mainly through digital channels, using its app, website, and public reporting to reach about 40 million customers in 2025. Its 2025 messaging links easy self-service, sustainability, and responsible banking to trust and daily use. Investor updates also back the brand with a CET1 ratio near 14% and strong profit.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eChannel\u003c\/th\u003e\n\u003cth\u003e2025 signal\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital app and web\u003c\/td\u003e\n\u003ctd\u003eAlways-on promotion\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInvestor materials\u003c\/td\u003e\n\u003ctd\u003eCET1 near 14%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBrand reach\u003c\/td\u003e\n\u003ctd\u003eAbout 40 million customers\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-wrapper\"\u003e\n\u003cdiv class=\"container_new_design pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"sub-highlight-wrapper_heading\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/MARKETING-MIX-Content-Price-Icon-1.svg\" alt=\"Icon\"\u003e\n\u003ch2\u003ePrice\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Checkmark-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInterest rates on deposits\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eING prices savings and current accounts through deposit rates, so even small rate moves can shift customer demand and the bank’s funding mix. In 2025, the ECB deposit facility rate fell to 2.00%, which pushed retail deposit pricing lower across Europe and made rate discipline a key part of ING’s price strategy. Higher rates help attract deposits; lower rates protect margin.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Checkmark-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMortgage and consumer loan rates\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eING prices mortgages and consumer loans through lending rates and repayment terms, so the loan margin moves with market rates and borrower risk. At year-end 2024, ING Groep N.V. reported EUR 410 billion in residential mortgage loans, showing the scale behind this pricing model. Tighter pricing on lower-risk borrowers helps ING stay competitive while protecting profit.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/MARKETING-MIX-Content-Price-Image.png\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-box-border\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Checkmark-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCorporate lending spreads\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eING Groep N.V. prices corporate loans as benchmark rate plus spread, and that spread widens or tightens with tenor, collateral, and borrower risk. In wholesale banking, this is standard: a stronger counterparty pays less than a weaker one, even on the same base rate. As of 2025, market funding costs stayed tied to Euribor, so pricing discipline stayed central.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003ch3\u003eAccount and payment fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eING Groep N.V. uses account and payment fees to earn recurring income from everyday banking, with monthly account charges and fees on selected transfers or payment services in some markets. This supports segment-based pricing, since retail, premium and business customers can be charged differently by account type and usage.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eMonetizes transactional banking activity\u003c\/li\u003e\n\u003cli\u003eSupports tiered customer pricing\u003c\/li\u003e\n\u003cli\u003eCovers transfers and paid services\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003ch3\u003eFX, trade finance and service commissions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eING Groep N.V. prices FX, trade finance and service work through spreads and commissions, so the client pays for conversion, documentation and execution risk. In cross-border banking, the fee rises with deal size, currency pair, urgency and control burden.\u003c\/p\u003e\n\u003cp\u003eTrade finance tools such as letters of credit, guarantees and advisory services add separate charges because they need due diligence, legal checks and settlement support. This fee model fits ING’s role in complex international flows, where pricing reflects operational cost, credit risk and country risk.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eFX earns via bid-ask spreads.\u003c\/li\u003e\n\u003cli\u003eTrade finance adds guarantee fees.\u003c\/li\u003e\n\u003cli\u003eCross-border work lifts service charges.\u003c\/li\u003e\n\u003cli\u003eRisk and complexity set the price.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-box-border\"\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Checkmark-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eING’s Pricing Power Hinges on Rates, Spreads, and Fee Income\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eING Groep N.V. sets price mainly through rates, spreads, and fees. In 2025, the ECB deposit facility rate was 2.00%, so deposit pricing stayed under pressure while loan spreads and fee income protected margin. Large mortgage books and benchmark-linked corporate lending make disciplined pricing key to funding mix and profit.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003ePrice driver\u003c\/th\u003e\n\u003cth\u003e2025\/2024 data\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eECB deposit rate\u003c\/td\u003e\n\u003ctd\u003e2.00%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eResidential mortgages\u003c\/td\u003e\n\u003ctd\u003eEUR 410 billion\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetail funding\u003c\/td\u003e\n\u003ctd\u003eRate-sensitive\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e","brand":"DCF Analyst","offers":[{"title":"Default Title","offer_id":57234554945801,"sku":"ing-marketing-mix","price":5.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0942\/8045\/0313\/files\/ing-marketing-mix.webp?v=1785721968","url":"https:\/\/dcfanalyst.com\/products\/ing-marketing-mix","provider":"DCF Analyst","version":"1.0","type":"link"}