Company profile

Facts

With more than 9 million customers, we are the third largest bank in Germany. Our core business includes savings accounts, mortgages, investment products, consumer loans and current accounts for private customers. In the Business Banking segment, we offer loans to small and medium-sized enterprises. In the Wholesale Banking segment, we provide banking solutions and services for large, multinational companies. With more than 6,000 colleagues, we are located in Frankfurt am Main (headquarters), Berlin, Hanover and Nuremberg.

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

	2022	2021	2020	2019	2018
Total assets (in Mio. Euro)	198,189	181,897	190,070	176,192	171,439
Customer deposits (in Mio. Euro)	138,895	136,005	145,608	139,503	138,862
Loans and advances to customer (in Mio. Euro)	126,012	127,476	121,698	118,943	116,012
Equity (in Mio. Euro)	9,178	9,301	9,240	8,680	8,175
Profit before tax (in Mio. Euro)	1,040	1,169	1,042	1,352	1,322
Business volume* (in Mio. Euro)	358,752	357,174	338,376	318,142	303,739
Ø Number of employees	5,972	6,043	5,762	5,295	4,790

The table contains the key figures of ING Holding Deutschland GmbH.

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

Annual Reports 2010 to 2022

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

Credit Opinion 16-11-2022

Archive Credit Opinion

Moody's Covered Bond

Performance Overview 31-12-2022

Performance Overview 30-09-2022

Performance Overview 30-06-2022

Performance Overview 31-03-2022

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 private customers.