{"type":"document","data":{"id":"0f4c6c7e-3d7c-42f0-ac2c-d4604e5857ca","localeString":"en-GB","publishDate":"2024-08-29T14:31:49.047+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Belgian banking activities are organised around four activities: Retail Banking, Business Banking, Wholdesale Banking and Private Banking. This structure ensures optimal efficiency and rapid decision-making processes"},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/3178940c-bb7a-4b84-b6e6-a6097343feef/about_coreactivities","type":"image","width":1920,"altTextEN":"Banner to core activities page","altTextNL":"Banner to core activities page","altTextFR":"Banner to core activities page","altTextDE":"Banner to core activities page","original":"https://assets.ing.com/m/7a23cc1364b3792e/original/about_coreactivities.jpg","extension":"jpg"},"title":"Core activities","subtitle":"Belgian banking activities are organised around three activities: Retail Banking, Business Banking and Wholesale Banking. This structure ensures optimal efficiency and rapid decision-making processes."},"backLink":{"textLink":{"url":"/en/individuals/about-us","text":"Who we are and what we do"}}},"flexZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"<p>In its approach, ING Belgium strives to take the specific requirements of its customers into account in full. Indeed, the financial service needs of an individual or a small firm differ entirely from those of a large multinational corporation.</p><p>It is for this reason that individuals and companies are classified in several categories:</p>"}},{"componentType":"productFeatures","image":{"transformBaseUrl":"https://assets.ing.com/transform/472b4500-c373-487c-a72a-80475a4253ed/about_illu_coreactivities","type":"image","width":619,"altTextFR":"Illustration core activities","altTextDE":"Illustration core activities","original":"https://assets.ing.com/m/107187c5ae09c324/original/about_illu_coreactivities.jpg","extension":"jpg"},"highlighted":false,"items":[{"body":"Individuals with account assets of less than EUR 100,000","title":"Private Individuals"},{"body":"Individuals with account assets of more than EUR 100,000 and less than EUR 500,000","title":"Personal Banking customers"},{"body":"Individuals with account assets of more than EUR 500,000","title":"Private banking customers"},{"body":"Self-employed, professionals and micro companies that have a balance sheet lower than EUR 400,000","title":"Self-employed, professionals and micro companies"},{"body":"Small and medium-sized enterprises with a balance sheet lohigher than EUR 400,000 and a turnover below EUR 250 million","title":"Small and medium-sized enterprises"},{"body":"Public services, hospitals, educational institutions, trade unions and pension funds","title":"Institutional customers"},{"body":"Listed companies and companies with a consolidated turnover in excess of over EUR 250 million","title":"Large corporates"},{"body":"Banks and other financial institutions, insurance companies, investment funds, …","title":"Financial institutions"}]},{"componentType":"accordion","accordionList":[{"title":"Retail Banking","richBody":{"value":"<p>The Retail Banking scope is Private Individuals and Personal Banking (assets lower than € 500,000) clients.</p><p>ING Belgium currently has an omni-channel distribution model aimed at answering our clients&apos; evolving needs. Our distribution model is based on 3 pillars: digital, branches and remote interaction. Each answers to specific needs of clients and mutually reinforce one another:</p><p><strong>D</strong><strong>igital: anytime and anywhere</strong></p><p>For our client’s simple &amp; day-to-day needs, ING’s digital channels are the first and preferred choice. Clients can fulfil their needs via self-servicing anytime &amp; anywhere.</p><p><strong>Remote</strong><strong>: best-in-class remote servicing</strong></p><p>For services without a digital solution yet, or for clients who are not yet digital, we provide best-in-class remote servicing via our “Customer Loyalty Teams”, who are available via (video)call and chat with extended opening hours.</p><p><strong>Branches</strong><strong>: physical presence and trusted advisors</strong></p><p>For our clients key moments in life when they require financial advice, our experts are available in branches .</p><p>Retail Banking is:</p><ul><li>Payments</li><li>Savings</li><li>Investments</li><li>Mortgages</li><li>Loans Life and</li><li>non-life insurances</li></ul><p><a href=\"https://www.ing.be/en/retail\">Retail Banking</a>  |  <a href=\"https://www.ing.be/en/retail/investing/personal-banking/ing-personal-banking\">Personal Banking</a></p>"}},{"title":"Private Banking","richBody":{"value":"<p>The Private Banking scope is clients with ≥ € 1 million in investable assets or ≥ € 500,000 invested assets.</p><p>A team of more than 200 experts helping to protect, grow and/or transfer customers’ wealth.</p><p><strong>Private Banking, one partner for all projects</strong>:</p><ul><li>Investment and asset management</li><li>Estate planning</li><li>Family business approach</li><li>And all the products and services of a large universal bank</li></ul><p><a href=\"https://www.ing.be/en/retail/investing/private-banking/private-banking\">Private Banking</a></p>"}},{"title":"Business Banking","richBody":{"value":"<p>The Business Banking scope is :</p><ul><li><strong>Self-employed, professionals and micro companies</strong> that have a balance sheet lower than € 400,000;</li><li><strong>Small and medium-sized enterprises </strong>with a balance sheet higher than € 400,000 and a turnover below € 250 million;</li><li><strong>Midcorps &amp; Institutionals segment </strong>focuses on medium-sized companies - with a balance sheet of more than € 400,000 - and institutional clients like public services, hospitals, educational institutions, trade unions and pension funds.</li></ul><p>Business Banking is also a team of sector specialists:</p><ul><li>Transport &amp; Logistics</li><li>Food &amp; Agri</li><li>Real Estate</li><li>Accountis</li><li>Medicalis</li><li>Privalis</li><li>Support for starters to make a smooth start</li></ul><p><a href=\"https://www.ing.be/en/business\">Business Banking</a></p>"}},{"title":"Wholesale Banking","richBody":{"value":"<p>The Wholesale Banking scope is:</p><ul><li><strong>Large corporates</strong>: listed companies and companies with a consolidated turnover in excess of over € 250 million;</li><li><strong>Financial institutions</strong>: banks and other financial institutions, insurance companies, investment funds,….</li></ul><p>We provide a wide range of financial services to support pur customers’ business, regardless of whether they are listed, or a Belgian group or a Belgian subsidiary of an international group. They can rely on more than 300 banking experts with deep sector knowledge and data-driven insights, to find a tailor-made solution for their complex needs. A single point-of-contact, the ING representative, ensures seamless access to our entire product offering.</p><p>We are financing change in the world using our financing, advisory products and services to actively support our clients’ transition to new sustainable business models that will ensure their success in the future.</p><p>Next to the operational products like payments services, the products and services include structured financing for parent companies and subsidiaries, equity and bond issuance and interest and exchange-rate hedging products.</p><p>The <strong>Corporate Finance</strong> department takes care of equity capital market, public to private and merger and acquisition transactions.</p><p>ING <strong>Equity Markets</strong> is a leading operator on Benelux stock markets. For this purpose, the department can rely on qualitative equity analysis, good access to European and North American institutional investors and impeccable execution service.</p><p><strong>Financial Markets</strong> offers a full suite of funding, hedging and investment products for the ING Retail / Private Banking, Midcorp, Corporate and Financial Institution clients.</p><p>Wholesale Banking in Belgium is fully integrated in terms of sectors and products into the global Wholesale Banking network which spans over 40 countries. More information on ING Wholesale Banking globally can be found on <a href=\"http://www.ingwb.com/\">www.ingwb.com</a>.</p>"}}]}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Interesting too"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Corporate governance","intro":"Discover the people behind the organisation","image":{"transformBaseUrl":"https://assets.ing.com/transform/25d7af22-dd32-46ae-957f-8d971fc4eb1c/about-topstructurepage","type":"image","width":1920,"altTextEN":"Structure","altTextNL":"Struktuur","altTextFR":"Structure","original":"https://assets.ing.com/m/ed65640bcdef5d4/original/about-topstructurepage.jpg","extension":"jpg"},"link":{"url":"/en/individuals/about-us/corporate-governance"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Mission","intro":"Empowering people to stay a step ahead in life and in business","image":{"transformBaseUrl":"https://assets.ing.com/transform/ac319af9-8630-481f-8216-7da8e9fe773a/About_Mission","type":"image","width":1920,"altTextEN":"Mission","altTextNL":"Missie","altTextFR":"Mission","original":"https://assets.ing.com/m/4d3970576c3033c9/original/About_Mission.jpg","extension":"jpg"},"link":{"url":"/en/individuals/about-us/mission"}}]}]}}}