ING Groep Business Model Canvas
ING Groep Business Model Canvas — Digital Banking Strategy & Monetization Blueprint
Unlock the full strategic blueprint behind ING Groep’s business model—this concise Business Model Canvas shows how ING creates customer value, leverages digital channels, and monetizes banking services across retail and wholesale segments; perfect for investors, consultants, and founders seeking actionable insight. Download the full Word/Excel canvas to access all nine blocks with company-specific analysis and ready-to-use slides for benchmarking or strategy work.
Partnerships
Fintech and Technology Providers
ING works with dozens of fintechs and tech providers—over 60 active partnerships as of Q4 2025—to add robo-advice, open-banking APIs, and MFA security, cutting product development time ~40% and supporting €1.2bn incremental digital revenue in 2024; these alliances keep ING competitive as a digital-first bank into 2025.
Global Payment Networks
ING maintains deep integrations with Visa and Mastercard, routing over 1.2 billion card transactions annually (2024 group volumes) to support retail and corporate cross-border payments; these networks underpin ING’s debit and credit cards and enable acceptance in 200+ countries. This connectivity delivers near-real-time authorization and settlement, keeping average international card uptime above 99.95% and ensuring seamless global access to funds.
Regulatory and Central Bank Bodies
ING Groep works with the European Central Bank and national regulators to meet evolving financial-stability rules, supporting its license across 40+ countries and managing systemic risk after CET1 ratio 13.2% at end-2024; by 2025 partnerships target digital-currency frameworks and cross-border harmonization to align AML/KYC and CBDC pilot standards across the EU and Benelux.
Sustainability and ESG Alliances
ING partners with environmental NGOs and green energy firms to validate sustainable lending; these alliances inform its Terra approach steering a €300+ billion corporate loan book toward net-zero by 2050, using partner data to set sectoral decarbonization pathways.
- Partner NGOs and firms supply technical ESG assessments
- Terra approach applied across €300bn+ loans
- Supports client impact measurement and sector targets to 2050
Corporate and Wholesale Clients
ING serves as a primary bank to multinationals, co-creating bespoke finance like structured lending and supply-chain finance; at end-2024 ING Wholesale Banking held €192bn in customer lending, underpinning recurring fees and interest income.
These long-term corporate ties stabilise revenue and liquidity—corporate deposits funded 38% of wholesale balance sheet in 2024—supporting growth and cross-sell.
- €192bn customer lending (2024)
- 38% funding via corporate deposits (2024)
- Bespoke solutions: supply-chain finance, liquidity management
ING: €1.2bn digital revenue, 60+ fintechs, 1.2bn cards, CET1 13.2%—scaling sustainable lending
ING’s 60+ fintech and tech partners (Q4 2025) cut product time ~40% and helped generate €1.2bn digital revenue in 2024; card networks process 1.2bn transactions (2024) with >99.95% uptime; CET1 13.2% (end‑2024) supports 40+ country licenses; Terra guides €300bn+ loans to net‑zero by 2050; wholesale lending €192bn with 38% corporate deposit funding (2024).
| Metric | Value |
|---|---|
| Fintech partners (Q4 2025) | 60+ |
| Digital revenue (2024) | €1.2bn |
| Card transactions (2024) | 1.2bn |
| Uptime | >99.95% |
| CET1 ratio (end‑2024) | 13.2% |
| Loans steered by Terra | €300bn+ |
| Wholesale customer lending (2024) | €192bn |
| Corporate deposit funding (2024) | 38% |
What is included in the product
Detailed Word Document
A comprehensive, pre-written Business Model Canvas for ING Groep outlining customer segments, channels, value propositions, revenue streams, key activities, resources, partners, cost structure, and governance—reflecting real-world banking operations and strategic priorities to aid presentations and investor discussions.
Customizable Excel Spreadsheet
High-level view of ING Groep’s business model with editable cells to quickly identify core banking components, streamline strategy workshops, and save hours structuring insights for boardrooms or team collaboration.
Activities
Digital Platform Development
ING Groep continuously develops its mobile app and web portals, investing over €1.1 billion in IT and digital in 2024 to keep interfaces secure, fast, and user-friendly for 57 million customers worldwide.
Risk Management and Credit Assessment
ING Groep uses advanced credit-scoring models and machine learning to assess borrowers from retail clients to corporates, underwriting €420bn in loans at end-2024 while keeping stage 3 non-performing loans at 1.8% (FY2024). ING continuously stress-tests portfolios for market volatility, interest-rate shifts and geopolitical risks, holding a CET1 ratio of 13.8% (Q4 2024) to protect capital and support solvency.
Financial Product Innovation
Compliance and Anti-Money Laundering
A large share of ING Groep's operations focuses on transaction monitoring and strict Know Your Customer (KYC) checks; in 2024 ING reported spending ~EUR 600m on compliance and filed 38,000 suspicious activity reports across its global network.
ING uses real-time AI/ML models to flag fraud, cutting false positives by ~25% in 2023, and prioritizes integrity to avoid fines—recall the EUR 775m settlement in 2018 that reshaped its AML controls.
- EUR 600m compliance spend (2024)
- 38,000 SARs filed (2024)
- AI reduced false positives ~25% (2023)
- EUR 775m penalty influenced reforms (2018)
Customer Support and Advisory Services
ING keeps a digital-first model but staffs ~40,000 employees (2024 report) to handle complex cases and tech issues, and offers specialized advisory for wholesale clients on M&A and capital markets where it advised on deals worth €18.5bn in 2023.
Balancing automated self-service—over 70% of retail interactions handled digitally—with expert intervention remains a core priority to reduce resolution time and lower operational cost.
- ~40,000 employees (2024)
- €18.5bn in wholesale deal advisory (2023)
- 70%+ retail digital interactions
ING 2024: €1.1bn digital push, €420bn loans, 13.8% CET1, €6.2bn green bonds
ING runs digital platforms (€1.1bn IT spend in 2024) and advanced AI credit/fraud models underwriting €420bn loans (stage 3 NPL 1.8%, CET1 13.8% Q4 2024), issued €6.2bn sustainable bonds in 2024, spent ~€600m on compliance and employed ~40,000 staff (2024).
| Metric | 2023–2025 |
|---|---|
| IT/digital spend | €1.1bn (2024) |
| Loans | €420bn (end-2024) |
| Stage 3 NPL | 1.8% (FY2024) |
| CET1 ratio | 13.8% (Q4 2024) |
| Sustainable bonds | €6.2bn (2024) |
| Compliance spend | ~€600m (2024) |
| Employees | ~40,000 (2024) |
Preview Before You Purchase
Business Model Canvas
The document you're previewing is the authentic ING Groep Business Model Canvas — not a mockup or sample — and it matches exactly the file you’ll receive after purchase.
When you complete your order, you’ll get full access to this same professionally structured, ready-to-use document in editable formats, with all content and pages included.
No placeholders or surprises: what you see is the final deliverable, ready for editing, presenting, or sharing immediately after download.
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Description
ING Groep Business Model Canvas — Digital Banking Strategy & Monetization Blueprint
Unlock the full strategic blueprint behind ING Groep’s business model—this concise Business Model Canvas shows how ING creates customer value, leverages digital channels, and monetizes banking services across retail and wholesale segments; perfect for investors, consultants, and founders seeking actionable insight. Download the full Word/Excel canvas to access all nine blocks with company-specific analysis and ready-to-use slides for benchmarking or strategy work.
Partnerships
Fintech and Technology Providers
ING works with dozens of fintechs and tech providers—over 60 active partnerships as of Q4 2025—to add robo-advice, open-banking APIs, and MFA security, cutting product development time ~40% and supporting €1.2bn incremental digital revenue in 2024; these alliances keep ING competitive as a digital-first bank into 2025.
Global Payment Networks
ING maintains deep integrations with Visa and Mastercard, routing over 1.2 billion card transactions annually (2024 group volumes) to support retail and corporate cross-border payments; these networks underpin ING’s debit and credit cards and enable acceptance in 200+ countries. This connectivity delivers near-real-time authorization and settlement, keeping average international card uptime above 99.95% and ensuring seamless global access to funds.
Regulatory and Central Bank Bodies
ING Groep works with the European Central Bank and national regulators to meet evolving financial-stability rules, supporting its license across 40+ countries and managing systemic risk after CET1 ratio 13.2% at end-2024; by 2025 partnerships target digital-currency frameworks and cross-border harmonization to align AML/KYC and CBDC pilot standards across the EU and Benelux.
Sustainability and ESG Alliances
ING partners with environmental NGOs and green energy firms to validate sustainable lending; these alliances inform its Terra approach steering a €300+ billion corporate loan book toward net-zero by 2050, using partner data to set sectoral decarbonization pathways.
- Partner NGOs and firms supply technical ESG assessments
- Terra approach applied across €300bn+ loans
- Supports client impact measurement and sector targets to 2050
Corporate and Wholesale Clients
ING serves as a primary bank to multinationals, co-creating bespoke finance like structured lending and supply-chain finance; at end-2024 ING Wholesale Banking held €192bn in customer lending, underpinning recurring fees and interest income.
These long-term corporate ties stabilise revenue and liquidity—corporate deposits funded 38% of wholesale balance sheet in 2024—supporting growth and cross-sell.
- €192bn customer lending (2024)
- 38% funding via corporate deposits (2024)
- Bespoke solutions: supply-chain finance, liquidity management
ING: €1.2bn digital revenue, 60+ fintechs, 1.2bn cards, CET1 13.2%—scaling sustainable lending
ING’s 60+ fintech and tech partners (Q4 2025) cut product time ~40% and helped generate €1.2bn digital revenue in 2024; card networks process 1.2bn transactions (2024) with >99.95% uptime; CET1 13.2% (end‑2024) supports 40+ country licenses; Terra guides €300bn+ loans to net‑zero by 2050; wholesale lending €192bn with 38% corporate deposit funding (2024).
| Metric | Value |
|---|---|
| Fintech partners (Q4 2025) | 60+ |
| Digital revenue (2024) | €1.2bn |
| Card transactions (2024) | 1.2bn |
| Uptime | >99.95% |
| CET1 ratio (end‑2024) | 13.2% |
| Loans steered by Terra | €300bn+ |
| Wholesale customer lending (2024) | €192bn |
| Corporate deposit funding (2024) | 38% |
What is included in the product
Detailed Word Document
A comprehensive, pre-written Business Model Canvas for ING Groep outlining customer segments, channels, value propositions, revenue streams, key activities, resources, partners, cost structure, and governance—reflecting real-world banking operations and strategic priorities to aid presentations and investor discussions.
Customizable Excel Spreadsheet
High-level view of ING Groep’s business model with editable cells to quickly identify core banking components, streamline strategy workshops, and save hours structuring insights for boardrooms or team collaboration.
Activities
Digital Platform Development
ING Groep continuously develops its mobile app and web portals, investing over €1.1 billion in IT and digital in 2024 to keep interfaces secure, fast, and user-friendly for 57 million customers worldwide.
Risk Management and Credit Assessment
ING Groep uses advanced credit-scoring models and machine learning to assess borrowers from retail clients to corporates, underwriting €420bn in loans at end-2024 while keeping stage 3 non-performing loans at 1.8% (FY2024). ING continuously stress-tests portfolios for market volatility, interest-rate shifts and geopolitical risks, holding a CET1 ratio of 13.8% (Q4 2024) to protect capital and support solvency.
Financial Product Innovation
Compliance and Anti-Money Laundering
A large share of ING Groep's operations focuses on transaction monitoring and strict Know Your Customer (KYC) checks; in 2024 ING reported spending ~EUR 600m on compliance and filed 38,000 suspicious activity reports across its global network.
ING uses real-time AI/ML models to flag fraud, cutting false positives by ~25% in 2023, and prioritizes integrity to avoid fines—recall the EUR 775m settlement in 2018 that reshaped its AML controls.
- EUR 600m compliance spend (2024)
- 38,000 SARs filed (2024)
- AI reduced false positives ~25% (2023)
- EUR 775m penalty influenced reforms (2018)
Customer Support and Advisory Services
ING keeps a digital-first model but staffs ~40,000 employees (2024 report) to handle complex cases and tech issues, and offers specialized advisory for wholesale clients on M&A and capital markets where it advised on deals worth €18.5bn in 2023.
Balancing automated self-service—over 70% of retail interactions handled digitally—with expert intervention remains a core priority to reduce resolution time and lower operational cost.
- ~40,000 employees (2024)
- €18.5bn in wholesale deal advisory (2023)
- 70%+ retail digital interactions
ING 2024: €1.1bn digital push, €420bn loans, 13.8% CET1, €6.2bn green bonds
ING runs digital platforms (€1.1bn IT spend in 2024) and advanced AI credit/fraud models underwriting €420bn loans (stage 3 NPL 1.8%, CET1 13.8% Q4 2024), issued €6.2bn sustainable bonds in 2024, spent ~€600m on compliance and employed ~40,000 staff (2024).
| Metric | 2023–2025 |
|---|---|
| IT/digital spend | €1.1bn (2024) |
| Loans | €420bn (end-2024) |
| Stage 3 NPL | 1.8% (FY2024) |
| CET1 ratio | 13.8% (Q4 2024) |
| Sustainable bonds | €6.2bn (2024) |
| Compliance spend | ~€600m (2024) |
| Employees | ~40,000 (2024) |
Preview Before You Purchase
Business Model Canvas
The document you're previewing is the authentic ING Groep Business Model Canvas — not a mockup or sample — and it matches exactly the file you’ll receive after purchase.
When you complete your order, you’ll get full access to this same professionally structured, ready-to-use document in editable formats, with all content and pages included.
No placeholders or surprises: what you see is the final deliverable, ready for editing, presenting, or sharing immediately after download.
