Company profile

Facts

More than 9.5 million customers trust ING with their daily banking. It’s the bank with the third-largest customer base in Germany. Its core business includes savings accounts, mortgages, investment products, consumer loans and current accounts for private customers. For its lending business targeted at SMEs, ING uses the online platform Lendico while its Wholesale Banking segment provides banking solutions and services for large, multinational companies.

The bank’s business model is characterised by a strong focus on a few and transparent products with favorable conditions and high cost efficiency. The German business magazine "€uro" named ING Germany's "Beliebteste Bank 2021" (Germany’s most popular bank in 2021).

The key financial figures of ING Holding Deutschland GmbH at a glance

Total assets (in Mio. Euro)

Customer deposits (in Mio. Euro)

Loans and advances to customer (in Mio. Euro)

Equity (in Mio. Euro)

Profit before tax (in Mio. Euro)

Business volume* (in Mio. Euro)

Ø Number of employees

Mio. Euro

2020

190,070

145,608

121,698

9,240

1,042

338,376

5,762

Mio. Euro

2019

176,192

139,503

118,943

8,680

1,352

318,142

5,295

Mio. Euro

2018

171,439

138,862

116,012

8,175

1,322

303,739

4,790

Mio. Euro

2017

162,658

133,685

113,838

8,212

1,272

287,569

4,778

The table contains the key figures of ING Holding Deutschland GmbH

* Sum of customer deposits, consumer and Wholesale Banking loans and brokerage volume

Key figures of ING-DiBa AG (historical data)

Total assets (in Mio. Euro)

Customer deposits (in Mio. Euro)

Loan and advances to customers (in Mio. Euro)

Equity (in Mio. Euro)

Profit before tax (in Mio. Euro)

Business volume* (in Mio. Euro)

Number of employees

Mio. Euro

2016

157,553

130,151

106,459

7,690

1,234

269,127

3,938

Mio. Euro

2015

143,977

121,126

97,943

7,206

1,115

240,714

3,749

Mio. Euro

2014

136,667

115,264

90,252

7,021

888

219,877

3,526

Mio. Euro

2013

127,338

107,332

85,396

6,228

691

204,292

3,357

The table contains the key figures of ING (IFRS).

* Sum of customer deposits, consumer and Wholesale Banking loans and brokerage volume

Rating

Rating overview of ING-DiBa AG
Currently, the rating agency Moody's scored the ING-DiBa AG as follows:

Hypothekenpfandbrief: AAA
Long Term Counterparty Risk Assessment: Aa3
Long Term Deposits: A2
Outlook: stable
Short Term Counterparty Risk Assessment: P-1
Baseline Credit Assessment (BCA): A3
Outlook: stable

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Rating documents in PDF format

Moody's Bank Rating

Moody's Banking System Outlook Update - Germany

Moody's Banking System Outlook - Germany

Credit Opinion 27-07-2021

Credit Opinion 16-11-2020

Credit Opinion 09-04-2020

Credit Opinion 04-06-2019

Credit Opinion 25-02-2019

Archive Credit Opinion

Moody's Covered Bond

Performance Overview 30-09-2021

Performance Overview 30-06-2021

Performance Overview 31-12-2021

Performance Overview 31-12-2020

Archive Performance Overview

Credit Opinion 25-11-2019

New Issue Report 23-01-2014

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Funding

Funding Information of ING-DiBa AG

ING-DiBa AG was granted the license to issue Mortgage Pfandbriefe from the German authority BaFin – Bundesanstalt für Finanzdienstleistungsaufsicht in November 2010. On the 31st of May 2011, a programme for the issuance of Mortgage Pfandbriefe has been launched, out of which ING-DiBa AG will issue its Pfandbriefe.

Starting the Pfandbrief issuance is the next milestone in the development of ING-DiBa AG and reflects its position as a large mortgage financer in Germany. Mortgage Pfandbriefe are a further diversification of ING-DiBa AG's funding mix. The main funding tool will remain the deposit business with more than 8 million private customers.