CEO statement”Our drive to consistently innovate and action a appropriate chump acquaintance contributed to our able bartering achievement in the additional division of 2018,” said Ralph Hamers, CEO of ING Group. “Our all-around chump abject accomplished 38.2 million, of which 12.0 actor are primary customers. We are beholden for the assurance our barter abode in us and are committed to confined them to the best of our ability. Our advisers consistently accomplish barter their accomplished antecedence while adapting to the abounding changes brought by our advancing transformation programmes, which will added advance our account hypothesis and operational efficiency.
“In the additional quarter, we undertook several initiatives to body on our appetite to become the ‘go-to’ abode for all the cyberbanking needs of customers. We partnered with French insurer AXA to actualize personalised allowance articles and casework for customers. Together, we aim to agitate the allowance bazaar with a agenda belvedere that will action acreage & casualty, bloom and aegis allowance in six of our Challengers markets, in a bright and accessible way.
“We additionally formed on avant-garde agenda solutions that empower baby businesses and entrepreneurs to acquisition the best allotment for their specific needs. We partnered with Allotment Options in the Netherlands and invested in FinCompare in Germany – two agenda platforms that action baby and medium-sized enterprises (SMEs) admission to a advanced ambit of costs options that they can calmly analyze and select. In Poland, we launched Invoice Financing, a agenda microfactoring band-aid for SMEs that we developed in-house. It puts SME barter in ascendancy over which invoices they appetite to accounts and when.
“The additional division additionally apparent the achievement of a key anniversary in ING’s transformation with the alliance of Record Bank into ING in Belgium. Record Bank barter were auspiciously migrated to ING’s platform, now enabling all barter in Belgium to account from one constant client-service archetypal that is digitally enabled and accurate by our annex network. But we aren’t accomplished yet; our aing priorities are to rationalise our artefact array and to affiliate the IT platforms of Belgium and the Netherlands. These initiatives are basic to accumulation our cross-border organisation and unlocking synergies in two of our better markets for the account of customers.
“Our net amount lending book added by €14.2 billion in the additional division through well-diversified and acclimatized advance above both Retail and Broad Banking. Despite the low absorption amount environment, the net absorption allowance captivated up well. We abide acquainted of advancement a advantageous antithesis amid accident and returns. ING Group’s second-quarter 2018 basal aftereffect afore tax was €2,022 million, absorption our connected accommodation advance and solid net fee and agency income. Accident costs remained low at 15 abject credibility of boilerplate risk-weighted assets. The basal acknowledgment on disinterestedness on a four-quarter rolling boilerplate abject was 10.4%.
“ING Group’s absolutely loaded CET1 arrangement was 14.1% at the end of June 2018, as the second-quarter basic bearing was outpaced by an access in RWA, mainly stemming from business advance and a macro-prudential add-on. In the additional quarter, we aloof €0.9 billion of the anniversary net accumulation for approaching allotment payments, as we did with the first-quarter net profit. ING will pay an acting banknote allotment of €0.24 per accustomed allotment over the aboriginal six months of 2018. We abide committed to advancement a able basic position and reiterate our aim to pay a accelerating dividend.
“Our second-quarter achievement confirms that we’re active up to our Chump Promise every day. Attractive ahead, we abide to focus on managing expenses, optimising operational excellence, acceptable our acquiescence and non-financial accident practices, and active our agenda strategy. I’m assured that our efforts will added strengthen our aggregation and accredit acceptable success for the abiding account of all stakeholders.”
ING Accumulation shares are listed on the exchanges of Amsterdam (INGA NA, INGA.AS), Brussels and on the New York Stock Barter (ADRs: ING US, ING.N).
Sustainability forms an basic allotment of ING’s strategy, apparent by ING’s baronial as a baton in the banks industry accumulation by Sustainalytics. ING Accumulation shares are included in the FTSE4Good basis and in the Dow Jones Sustainability Basis (Europe and World), area ING is additionally amid the leaders in the banks industry group.
ING Group’s anniversary accounts are able in accordance with International Cyberbanking Reporting Standards as adopted by the European Union (‘IFRS-EU’). In advancing the cyberbanking advice in this document, except as declared otherwise, the aforementioned accounting attempt are activated as in the 2017 ING Accumulation circumscribed anniversary accounts. All abstracts in this certificate are unaudited. Baby differences are accessible in the tables due to rounding.
Certain of the statements independent herein are not absolute facts, including, after limitation, assertive statements fabricated of approaching expectations and added advanced statements that are based on management’s accepted angle and assumptions and absorb accepted and alien risks and uncertainties that could account absolute results, achievement or contest to alter materially from those bidding or adumbrated in such statements. Absolute results, achievement or contest may alter materially from those in such statements due to a cardinal of factors, including, after limitation: (1) changes in accepted bread-and-er conditions, in accurate bread-and-er altitude in ING’s amount markets, (2) changes in achievement of cyberbanking markets, including developing markets, (3) abeyant after-effects of European Union countries abrogation the European Union or a alienation of the euro, (4) changes in the availability of, and costs associated with, sources of clamminess such as interbank funding, as able-bodied as altitude in the acclaim and basic markets generally, including changes in borrower and counterparty creditworthiness, (5) changes affecting absorption amount levels, (6) changes affecting bill barter rates, (7) changes in broker and chump behaviour, (8) changes in accepted aggressive factors, (9) changes in laws and regulations and the estimation and appliance thereof, (10) geopolitical risks and behavior and accomplishments of authoritative and authoritative authorities, (11) changes in standards and interpretations beneath International Cyberbanking Reporting Standards (IFRS) and the appliance thereof, (12) abstracts with attention to acquirement accounting assumptions and methodologies, and added changes in accounting assumptions and methodologies including changes in appraisal of issued balance and acclaim bazaar exposure, (13) changes in buying that could affect the approaching availability to us of net operating loss, net basic and congenital accident backpack forwards, (14) changes in acclaim ratings, (15) the aftereffect of accepted and approaching acknowledged and authoritative proceedings, (16) operational risks, such as arrangement disruptions or failures, breaches of security, cyberattacks, animal error, changes in operational practices or bare controls including in account of third parties with which we do business, (17) the disability to assure our bookish acreage and contravention claims by third parties, (18) the disability to absorb key personnel, (19) business, operational, regulatory, acceptability and added risks in affiliation with altitude change, (20) ING’s adeptness to accomplish its strategy, including projected operational synergies and cost-saving programmes and (21) the added risks and uncertainties abundant in the 2017 anniversary address of ING Groep N.V. (including the Accident Factors independent therein) and ING’s added contempo disclosures, including columnist releases, which are accessible on www.ING.com. Abounding of those factors are above ING’s control.
Any advanced attractive statements fabricated by or on account of ING allege alone as of the date they are made, and ING assumes no obligation to about amend or alter any advanced statements, whether as a aftereffect of new advice or for any added reason.
This certificate does not aggregate an action to sell, or a address of an action to purchase, any balance in the United States or any added jurisdiction.
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