ING

ING

Digital banking and sustainable lending

Overview

ING provides digital banking and financial services to individuals and businesses worldwide. Its products and services include online and mobile banking, lending, payments, and advisory services designed to be frictionless so customers can make confident financial decisions. ING differentiates itself by focusing on sustainable choices, responsible lending, and sharing knowledge to help customers and partners realize their visions for a better future. The bank emphasizes empowerment over judgment and aims to finance change, partner with customers, and continuously innovate in a sustainable way. Its goal is to help people and businesses progress toward their goals while reducing barriers and making banking easier and more responsible.

About ING

Simplify's Rating
Why ING is rated
B-
Rated B on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

Financial Services

Company Size

10,001+

Company Stage

IPO

Headquarters

Amsterdam, Netherlands

Founded

1991

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Simplify's Take

What believers are saying

  • On 21 September 2026, ING financed GridStor's $220 million Arizona battery project.
  • ING's Q2 2026 net core lending grew €15.2 billion and deposits €15.9 billion.
  • ING upgraded 2026 income guidance above €24.5 billion and kept a €1.0 billion buyback.

What critics are saying

  • On 5 May 2026, ING settled a Belgium money-laundering probe for €1.6 million.
  • ING announced 1,250 job cuts in March 2026, including 950 Dutch roles.
  • Repeated AML failures would trigger Dutch, Belgian, and ECB scrutiny, crushing ING's franchise.

What makes ING unique

  • ING mixes European retail deposits with global wholesale lending, funding large project finance.
  • On 30 July 2026, ING reported a 13.1% CET1 ratio and 17.0% ROTE.
  • ING mobilized €86.5 billion of sustainable finance in H1 2026, led by SLLs.

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Funding

Total Funding

$1B

Above

Industry Average

Funded Over

0 Rounds

Benefits

Health Insurance

401(k) Retirement Plan

401(k) Company Match

Paid Vacation

Flexible Work Hours

Hybrid Work Options

Family Planning Benefits

Fertility Treatment Support

Wellness Program

Mental Health Support

Phone/Internet Stipend

Home Office Stipend

Gym Membership

Stock Price

Company News

MarketScreener
Sep 24th, 2026
L’ORÉAL SUCCESSFULLY PRICES A 2 BILLION EURO TRIPLE TRANCHE BOND

NOT FOR RELEASE, PUBLICATION OR DISTRIBUTION DIRECTLY OR INDIRECTLY TO ANY U.S. PERSON OR ANY PERSON LOCATED IN THE UNITED STATES OF AMERICA OR IN ANY OTHER JURISDICTION WHERE IT IS UNLAWFUL TO...

RTÉ
Sep 22nd, 2026
AIB raises $847.5M with tenth green bond amid strong $2.5B demand

AIB has raised €750 million through its tenth green bond issuance. The Irish bank said proceeds will finance projects including renewable energy, green buildings, clean transportation, and waste management whilst strengthening its capital position. Despite global volatility, investor demand reached €2.2 billion, with pricing tightening by 25-30 basis points to a final coupon of 4.125%. Since launching its €30 billion Climate Action Target in 2019, AIB has deployed €26 billion in green and transition lending. Climate and infrastructure capital delivered €1.2 billion in new lending during the first half of 2026, up €600 million. AIB became Ireland's first bank to issue a green bond in 2020 and has since raised €7.2 billion from green bonds, or €8.95 billion including social bonds.

StockTitan
Sep 21st, 2026
A $220 million Arizona battery project will run under a 20-year deal with the state's largest utility

White Tank is expected to enter service in the first half of 2027 as APS peak demand ran 5% above its 2025 record; GridStor has over 3 GW in its pipeline.

AGF Nederland bv
Sep 18th, 2026
Picnic ties $249M loan costs to 30% organic produce sales growth

Online supermarket Picnic has completed a sustainability framework linked to its existing €220 million revolving credit facility. The financing, provided since 2024 by BNP Paribas, ING, Rabobank, and ABN AMRO, now includes a mechanism where financing costs fluctuate based on Picnic's sustainability performance. Three key performance indicators have been established: reducing greenhouse gas emissions, cutting food waste, and increasing the share of organic fruit and vegetables in sales. Picnic aims for 30% growth in fresh organic produce sales. The company also targets reducing food waste to below 0.5% of all food sold and decreasing Scope 3 emission intensity in line with 1.5°C reduction pathways. Co-founder Michiel Muller said sustainability is embedded in how Picnic works, innovates, and scales. The sustainability-linked loan ties financing costs to achieving predetermined sustainability goals rather than funding specific sustainable projects.

Kalkine Media
Sep 9th, 2026
Xylem secures $1.5B revolving credit facility, replacing $1B agreement

Xylem Inc. secured a new five-year senior unsecured revolving credit facility worth up to $1.5 billion on 8 September 2026, replacing its previous $1 billion facility from 2023. The agreement includes an option to expand by an additional $500 million, bringing the potential total to $2 billion, subject to lender approval. The facility is available in US dollars and euros, with interest margins incorporating adjustments based on Xylem's sustainability performance alongside credit-rating-based pricing. Citibank, N.A. serves as administrative agent, with JPMorgan Chase Bank as syndication agent and ING Capital as sustainability structuring agent. The company intends to use the facility for working capital and general corporate purposes. No borrowings were outstanding under the new credit facility at the time of filing.

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