Company profile

ING Group

banking, financial services · Amsterdam, Netherlands · ing.com

ING Group is a large European banking group with retail and wholesale banking activities across multiple markets. Its current direction centers on customer growth, fee income expansion, disciplined cost control, continued investment in digital and technology capabilities.

Strategic priorities

Grow customer base and fee income

ING says it is executing a strategy of accelerating growth, increasing impact, delivering value through more business with more customers and clients.

1Q2026 net result rose to €1,556 million, with fee income up 13% year on year and the mobile primary customer base up 125,000.

1Q2026 ING press release

Expand digital and mobile engagement

ING continues to prioritize digital customer access and self service.

The 2025 annual report says digital services reduced inbound contact center traffic by 43 percent, chatbots were live in seven countries, digital channel availability remained very high.

2025 ING Groep NV annual report

Strengthen scalable technology and engineering

ING is building a more standardized technology base to support faster delivery and lower friction.

The annual report says scalable technology rests on private cloud infrastructure, OnePipeline, the banking technology platform, with 90 percent of applications onboarded to OnePipeline by end 2025.

ING Bank Annual Report 2025

Scale responsible AI in key workflows

ING is moving AI from pilots into operating processes while tightening governance.

ING said AI and GenAI were being embedded across products, processes, interactions, with focus areas including contact centers, KYC, hyper personalization, lending, software engineering.

2025 ING Groep NV annual report

Manage resilience, security, third party risk

ING treats cybersecurity and operational resilience as core execution priorities.

The bank appointed a new CISO in late 2024 and its annual report says cloud and third party vendor reliance increases resilience demands and risk exposure.

ING appoints Debbie Janeczek as chief information security officer (CISO)

AI program

ING publicly describes AI as a strategic enabler and says it is moving from pilots to day to day use in analytics, software development, customer service. It has said it uses GenAI in customer contact, KYC, lending, engineering, in 2025 it created a central AI Risk Committee and an AI governance framework to support responsible adoption. ING also reported an agentic AI mortgage assistant in the Netherlands that is being implemented and scaled further with a human remaining responsible for final decisions.

Technology posture

ING is pursuing a hybrid cloud oriented, standardized technology model with strong internal platforms, automation, security controls.

Cloud

4/5

5/5

Data

4/5

The bank emphasizes private cloud, hybrid cloud direction, reusable engineering pipelines, high digital availability, tighter AI and cyber governance.

Technology vendor categories

Cloud

n/a, ING says it uses private cloud infrastructure and a structural hybrid cloud setup

Data

Oracle, through Oracle Database as a Service for ING worldwide

DevOps

Oracle DBaaS, CI CD pipelines, OnePipeline, self service portal tooling

Security

Swift, used as the messaging network in the background of a CISO appointment note

n/a, ING publicly discusses internal GenAI and agentic AI use but does not consistently name external AI vendors

Network

Swift

Recent developments

Sources

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Evidence confidence 88/100. Generated 2026-07-03 from public sources.