Who we are ING is a leading European bank. Our more than 60,000 employees serve more than 38 million customers, corporate clients and financial institutions in over 40 countries. Our purpose is to empower people to stay a step ahead in life and in business. Our products include savings, payments, investments, loans and mortgages in most of our retail markets. For our Wholesale Banking clients, we provide specialised lending, tailored corporate finance, debt and equity market solutions, sustainable finance solutions, payments & cash management and trade and treasury services. We aim to bring our customers value by making banking frictionless, removing barriers to progress and giving them confidence in their ability to make decisions and to move forward. Our shares are listed in Amsterdam (INGA NA, INGA.AS), Brussels and New York (ADRs: ING US, ING.N). When it comes to sustainability, we facilitate and finance society’s shift to a low-carbon future and pioneer innovative forms of finance to support a better world. Sustainability forms an integral part of ING’s strategy. In Sustainalytics’ view, ING’s management of ESG material risk is ‘Strong’ (December 2023). ING's ESG rating by MSCI was reconfirmed as 'AA' in July 2023 for the fourth year. ING Group shares are included in major sustainability and environmental, social and governance (ESG) index products of leading providers Euronext, STOXX, Morningstar and FTSE Russell.