|Traded as||Euronext: INGA |
|Founded||1991 through merger|
(est. 1743 as Kooger Doodenbos)
|Revenue||€17.77 billion (2017)|
|€7.27 billion (2017)|
|€4.99 billion (2017)|
|Total assets||€846 billion (2017)|
|Total equity||€50 billion (2017)|
Number of employees
The ING Group (Dutch: ING Groep) is a Dutch multinational banking and financial services corporation headquartered in Amsterdam. Its primary businesses are retail banking, direct banking, commercial banking, investment banking, asset management, and insurance services. ING is an abbreviation for Internationale Nederlanden Groep (English: International Netherlands Group).
The orange lion on ING's logo alludes to the Group's Dutch origins. ING is the Dutch member of the Inter-Alpha Group of Banks, a cooperative consortium of 11 prominent European banks. ING Bank was included in a list of global systemically important banks in 2012.
- 1 History
- 2 Financial data
- 3 Global operations
- 4 Global headquarters
- 5 Recent notable transactions
- 6 Divisions
- 7 Former divisions
- 8 Sponsorships
- 9 Money laundering case
- 10 See also
- 11 References
- 12 External links
ING Group traces its roots to two major insurance companies in the Netherlands and the banking services of the Dutch government.
In 1845, fire insurance company the Assurantie Maatschappij tegen Brandschade de Nederlanden van 1845 ("Fire Insurance Company of the Netherlands of 1845") was founded. It grew to be the leading Dutch insurance company with branches outside the Netherlands (139 the world over by 1900). It later changed its name to "De Nederlanden van 1845". Two decades later, in 1863, the life insurance company Nationale Levensverzekerings Bank ("National Life Insurance Bank") was founded in Rotterdam. These two insurance companies made multiple acquisitions, and in 1963 merged to form the Nationale-Nederlanden insurance company. Nationale-Nederlanden expanded significantly during the 1970s and 1980s.
In 1881, the Dutch government created the Rijkspostspaarbank, a postal savings system to encourage workers to start saving. Four decades later they added the Postcheque and Girodienst services allowing working families to make payments via post offices. Separately in 1927, the Dutch government initiated a re-organisation of Dutch banks which resulted in the creation of the Nederlandsche Middenstands Bank (NMB). NMB's focus was retail banking in the Netherlands and abroad.
In 1986, post office banking services were privatised as Postbank N.V. and three years later it would merge with NMB bank to form NMB Postbank Groep.
Merger of banking and insurance
In 1991, the banking business of NMB Postbank Groep and the insurance business of Nationale-Nederlanden were merged to create ING Group, after changes in regulation that allowed banks and insurance businesses to work together.
Since the ING Group was founded, it has made several acquisitions:
|Equitable of Iowa||1997||Insurance|
|Bank Mendes Gans||1997||Banking|
|Bank Brussels Lambert||1998||Banking|
|Canadian Group Underwriters||1999||Insurance|
|Seguros Comercial América||2001||Insurance|
|Allianc of Canada||2004||Insurance|
|Rodamco Asia||2004||Asset Management|
ING Group expanded its international business through a number of acquisitions through the 1990s including Belgian bank Banque Bruxelles Lambert (BBL) in 1998, US-based insurance company Equitable of Iowa and the commercial bank Furman Selz. It also acquired Frankfurt based BHF-Bank in 1999, although disposed of this later. It increased its Latin American and Asia Pacific's insurance businesses with the acquisition of ReliaStar and Aetna's Financial Services unit. It also acquired the Polish Bank Śląski and Mexican insurance company Seguros Comercial América.
Expanding its retail banking business overseas, rather than create a branch network, it used the direct banking business model it had developed with NMB Postbank to launch overseas direct banking businesses formerly called ING Direct (and later renamed to ING between 2017 and 2019). The first of these was set up in Canada in 1997, and was soon followed in a number of other countries including the US, UK, Germany, Spain, Italy, France and Australia. The no frills, high rate savings accounts that could only be accessed online were a successful venture and spawned a number of similar services from rival banks. In many ways, these direct banks preceded the digital revolution and move towards branch-less banking.
Capital injection and divestiture
In 2008, as part of the late-2000s financial crisis ING Group, together with many other major banks in the Netherlands, took a capital injection from the Dutch Government. This support increased ING's capital ratio above eight-percent, however as a condition of Dutch state aid, the EU demanded a number of changes to the company structure. This resulted in the sale of a number of businesses around the world, which included insurance businesses in Latin America, Asia, Canada, Australia and New Zealand and ING Direct units in the US, Canada and the UK. This included the sale of the ING Direct US operations to Capital One and the ING Direct UK operations to Barclays bank in 2012. The spun-off insurance businesses in North America were renamed Voya Financial in 2014.
In November 2003, ING Groep N.V. appointed Michel Tilmant, Vice-Chairman of the executive board, as its new chairman and successor to Ewald Kist.
ING has offices in:
Following the separation of ING Group into ING Bank and ING Insurance, the head office of ING Bank and ING Group is the Amsterdamse Poort building as of September 2012. Building works are currently underway to build a new campus-style headquarters close by with completion expected in late 2019.
ING House was the head office of NN Group and located in the business district of Zuidas in Amsterdam, Netherlands from 2012 to 2014. It was designed by Roberto Meyer and Jeroen van Schooten (Meyer en Van Schooten) and was officially opened on 16 September 2002 by then Prince Willem-Alexander of the Netherlands. The light-infused building features a 250-seat auditorium, foyer, restaurants, library and an extensive art collection.
Recent notable transactions
Latin American divestment
In July 2011, ING sold all its Latin American insurance operations to the Colombian insurance company Grupo Sura for US$3.85 billion, excluding ING's 36 percent holding in Brazilian insurer SulAmérica Seguros which will be sold at a later date. SulAmérica Seguros officially started operating the ING Investment Management, Wealth Management, Retire Funds and Pension businesses in Latin America (Chile, Colombia, Mexico, Peru and Uruguay) on February 13, 2012. ING Commercial Bank will keep its operations in Mexico.
Capital injection and repayment
In October 2008, in a move to increase its core Tier 1 capital ratio above 8%, ING Group accepted a capital injection plan from the Dutch Government. The plan supplied €10 billion (US$13.5 billion) to the operation, in exchange for securities and veto rights on major operational changes and investments. The European Commission also required ING to divest itself of its insurance and investment management operations by the end of 2013 as a condition of approving the state aid.
Wouter Bos, the Dutch Finance Minister at the time, said the Dutch government's investment was done as a means of fortifying the bank to weather the financial crisis. Management stated that the capital injection shall have no 'dilutive' impact to existing shareholders. As part of the agreement, two government advisers were appointed to the Supervisory Board of the Group.
In December 2009, ING raised €7.3 billion through share issues, and repurchased securities representing half of the €10 billion in state aid. It repurchased another €2 billion in May 2011 (at a 50% premium), and looked to complete the repayments by May 2012. However, in January 2012 it cited eurozone conditions in putting the repayment timetable as 2012-2013 for the remaining €3 billion. The final tranche of EUR 1.025 billion was paid on 7 November 2014, half a year ahead of the repayment schedule as agreed with the European Commission in 2012.
2012 Settlement with US Treasury Department
On 12 June 2012, the US Department of the Treasury's Office of Foreign Assets Control announced a $619 million settlement with ING Bank N.V. to settle potential liability for conspiring to violate the International Emergency Economic Powers Act (IEEPA) and the Trading with the Enemy Act (TWEA) and for violating New York state laws by illegally moving billions of dollars through the U.S. financial system on behalf of sanctioned Cuban and Iranian entities. ING Bank's settlement with OFAC is simultaneous with settlements with the US Attorney's Office for the District of Columbia, the Department of Justice's National Security Division, the Department of Justice's Asset Forfeiture and Money Laundering Section and the New York County District Attorney's Office.
Under the settlement agreement, ING Bank is required to conduct a review of, and to submit a report to OFAC regarding, its policies and procedures and their implementation, taking an appropriate risk-focused sampling of US dollar payments to ensure that its OFAC compliance program is functioning effectively to detect, correct, and report any OFAC-sanctioned transactions that might occur.
Beginning in the 1990s, at the instruction of senior bank management, ING Bank employees in Curaçao began processing payments for ING Bank's Cuban banking operations through its branch in Curaçao on behalf of Cuban customers without reference to the payments' origin. The practice of removing and omitting such information was used by other branches of ING Bank's Wholesale Banking Division, including in France, Belgium, and the Netherlands, in processing US dollar payments and trade finance transactions through the United States. In addition, ING Bank's senior management in France authorised, advised in the creation of, and ultimately provided fraudulent endorsement stamps for use by Cuban financial institutions in processing travelers check transactions, which disguised the involvement of Cuban banks in these transactions when they were processed through the United States. ING Bank's Trade and Commodity Finance business at its Wholesale Banking branch in the Netherlands routed payments made on behalf of US-sanctioned Cuban clients through other corporate clients to obscure the sanctioned clients' identities and its Romanian branch omitted details from a letter of credit involving a US financial institution to finance the exportation of US-origin goods to Iran.
Other notable activities:
- In 2004, ING Groep sold CenE Bankiers, which had previously been part of NMB, to F. Van Lanschot Bankiers.
- On 25 March 2005, the company announced the acquisition of a 19.9% stake in the Bank of Beijing and the deal was worth about 1.7 billion yuan, or $200 million.
- In January 2013, ING announced it had sold its 26% stake in India's Vysya Life Insurance to joint partner Exide Industries.
- In January 2016, ING Groep NV’s banking unit invested in a leading Chinese fintech player, WeLab. This contributed to the second largest Series B fundraising in fintech globally.
ING US IPO and re-brand
In 2013, ING U.S. was spun off in an initial public offering ahead of its planned rebranding as Voya Financial. As of 2014, ING Group is no longer the controlling shareholder of its former subsidiary, owning 47% of its shares. By 2018 ING had sold all of its shares.
Separate to ING Direct businesses, ING offers retail banking services in Germany, the Netherlands, Belgium, Luxembourg, Poland, Romania, Czech Republic, Turkey, Thailand, China and Australia. Non-retail private banking services are offered in the Netherlands, Belgium, Luxembourg, Switzerland and various countries in Asia and Central Europe.
In the Netherlands, ING is the largest retail bank by market share, holding 40% of current account deposits, and by total assets. ING is followed by Rabobank (30%), ABN AMRO (20%), and others (10%).
ING offers branchless banking with operations in Australia, France, Italy, Spain, Germany and Austria. It offers services over the counter, web, phone, ATM or by mail. The service concentrates on simple interest-bearing savings accounts for retail customers. Originally created as ING Direct, these branches were renamed to ING between 2017 and 2019.
ING in Australia
ING in Australia was established in 1999 and is headquartered in Sydney, offering banking online and via telephone. Its products in Australia include transaction accounts, savings accounts, credit card, business accounts, term deposits, home loans and superannuation.
Company operations are regulated by the Australian Prudential Regulation Authority and the Australian Securities and Investments Commission, Federal Government regulators. ING is a division of ING Bank (Australia) Limited.
ING in Germany
ING-DiBa is Germany's third biggest bank by the number of customers (c. 9 million). In 2016, the bank reported total assets of €158 billion and had around 3,900 employees. ING bought 49% of Allgemeine Deutsche Direktbank AG in 1998, which as of 1989 traded as DiBa. It acquired a further 21% of the company in 2002 and the remainder by 2003. By 2007, the company was trading under its current name, ING-DiBa. In November 2018, the bank changed its name to ING.
ING in France
Founded in 2000, ING in France has around 1 million customers. It started offering current accounts in 2009 and home loans in 2015. Formerly ING Direct, the bank changed its name to ING in January 2019.
ING in Italy
Founded in 2001, ING in Italy has around 1.3 million customers. It is currently opening its own "bank shops" in the major towns, where customers can operate services on usual web channels, assisted or not by branch operators, and use advanced teller machines for cash and check transactions.
ING Wholesale Banking provides banking and financial services to corporations and other institutions. Boasting a huge network, the primary geographic focus of the wholesale banking business is the Netherlands, Belgium, Poland and Romania, where it offers a full range of products, from cash management to corporate finance. Elsewhere, it takes a more selective approach to clients and products.
ING Wholesale Banking was strengthened in 1995, when ING took over Barings Bank. This acquisition increased the brand recognition of ING around the world and strengthened its Wholesale Banking presence in the emerging markets. Following the acquisition and up until 2004, ING's investment banking division was called ING Barings, at which point it severed its ties with the Barings name and combined with ING's other wholesale banking operations. However, the top floor of ING's London office is still home to the famous Baring art collection, and the Baring Foundation, a charitable foundation.
Wholesale Banking is divided into a number of sub-divisions, including Structured Finance, Financial Markets, Transaction Services and Corporate Finance. ING Wholesale Banking is the new name for ING Commercial Banking as of January 20, 2016. The new name better reflects the large corporate and institutional, international offering that makes up the vast majority of ING WB's business.
ING's Corporate Finance department advises businesses on important corporate transactions, including mergers and acquisitions, initial public offerings, secondary offerings, share buy-backs and management buy-outs. The division is headed jointly by Maurits Duynstee (Head of Corporate Finance, Continental Western Europe) and Pierre Chabrelie (Head of Corporate Finance, UK and CEE).
ING Corporate Finance has a strong presence in Russia and Central and Eastern Europe.
ING's insurance business operates throughout America, Asia and Europe.
In 2009, ING announced plans to separate its insurance business from its main banking operations through two IPO's, one for Europe and Asia and another one for the US. The EuroAsia IPO has been delayed while the US IPO is supposed to be completed by the end of 2012. Analysts estimate that the insurance arm is worth up to €16 billion.
As of February 2009, ING Canada (the insurance arm) is no longer a subsidiary of ING Group. ING Group's 70% equity interest was spun off for US$2.2 billion. The company (which has an 11% share of Canada's property and casualty insurance market) was then renamed Intact Financial Corporation in May 2009. ING Group continued to operate ING Bank of Canada, also known as ING Direct Canada.
ING Investment Management
ING Investment Management is the principal asset manager of the Group and a leading global asset manager. Against the background of the Group realizing its global ambitions, ING Investment Management has also expanded across borders. Today, it is active in 33 countries, including some of the world's fastest-growing economies, such as China, India, Brazil and many Eastern European nations. ING Investment Management operates along regional lines with centers of expertise in Europe, the Americas and Asia-Pacific.
ING Investment Management provides a comprehensive range of investment solutions and services to clients and partners. It manages assets for institutional clients, fund distributors and ING labels, with approximately €326 billion in AUM. Over 3,200 professionals manage client funds globally.
In June 2014, ING announced the IPO of its investment management arm as part of a wider corporate restructuring. The business are to be consolidated in NN Group and subsequently floated. The IPO was priced on 1 July 2015. ING Investment Management was subsequently rebranded as NN Investment Partners.
ING Direct Canada
ING's history in Canada dates back to 1997 when it founded ING Direct Canada, the first ING Direct operation in the world. As of July 2011, ING Direct Canada had over 1.7 million clients, employed over 900 people and had over US$37.6 billion in assets. ING Direct Canada operated five 'Save Your Money Cafés' (branches) in the major cities of Toronto, Montréal, Calgary and Vancouver.
Its products included savings accounts, tax-free savings accounts (TFSAs), mortgages, retirement savings plans (RSPs), guaranteed investments (GICs), mutual funds, business accounts and a no-fee daily checking accounts. They were known for using a referral program as part of their advertising, allowing members to refer friends whereby both the referrer and referee receive a cash bonus.
On 29 August 2012, Scotiabank announced the acquisition of ING Direct Canada for $3.13 billion. The sale was completed on November 15, 2012. In November 2013, Scotiabank announced the rebranding of ING Direct Canada as Tangerine with the rebranding taking effect on April 8, 2014.
ING Direct United Kingdom
ING Direct began operations in the UK in May 2003 and had over one million customers by 2009. Operations were based in Reading, where the company head office was situated as well as an office based in Cardiff. The bank marketed itself as offering good customer service and high interest rates, which were usually higher than its high street competitors, but not always top of comparison tables. The bank picked up awards for its customer services and mortgage product in 2008 and 2009.
On 8 October 2008, ING purchased the savings accounts of collapsed Icelandic bank, Kaupthing Singer & Friedlander, the UK Treasury used the Banking (Special Provisions) Act 2008 to transfer the Kaupthing Edge deposit business to ING Direct. Through this, ING Direct took over responsibility for £2.5 billion of deposits of 160,000 UK customers with the Icelandic bank Kaupthing Edge.
ING announced a plan to exit the UK in August 2012, as it sought to raise funds to repay the Dutch government. On 9 October 2012 Barclays announced that it had agreed to buy ING Direct UK, taking on its £10.9bn deposits and £5.6bn mortgage book. ING said it would incur a €320m (£260m; $415m) after-tax loss on the sale, which would involve the transfer of 750 ING Direct staff and 1.5 million customers.
ING Direct United States
In June 2011, Capital One purchased ING Direct USA from ING for US$9 billion (€6.3 billion). The sale was completed on 16 June 2011. Between November 2012 and February 2013 ING Direct's U.S. operations were rebranded Capital One 360.
ING sponsors sporting events and artistic exhibitions throughout the world.
For several years, ING was the title sponsor of marathons including the New York City Marathon, the Miami Marathon, the Georgia Marathon, the Luxembourg Marathon, the Hartford Marathon, the Philadelphia Distance Run and San Francisco's Bay to Breakers.
ING was the title sponsor of the Renault Formula One team from the 2007 season to the 2009 season. It was the title sponsor of the Australian Grand Prix and Belgian Grand Prix, the Hungarian Grand Prix, and the Turkish Grand Prix. ING ended its sponsorship of Renault in part due to a reduction in advertising spending and in part due to controversy surrounding the Renault Formula One team.
It also sponsored the ING Cup cricket competition in Australia between 2001 and 2006, a domestic limited overs competition.
ING's sponsorships in the arts include the Dutch National Museum in Amsterdam (the Rijksmuseum), the New York Museum of Modern Art, and the Royal Concertgebouw Orchestra. ING owns and houses proprietary art collections in Belgium, Mexico, the Netherlands, Poland and the United Kingdom.
ING is a strategic industry partner with Duisenberg school of finance. ING provides a series of internships and assists with student loans to the accepted students. Also, in-house events are organised for Duisenberg school of finance students to give better insight on the financial industry.
Money laundering case
In September 2018 ING agreed to pay EUR 775 million to end a money laundering probe.
- ING Life Insurance: Careers - History of ING. Inglife.co.in. Retrieved on 2013-09-05.
- "2017 Annual Report ING Groep N.V." ING. Retrieved May 26, 2018.
- "The history of the ING lion". ING. Archived from the original on 2015-11-22.
- "500 euro lenen? Bekijk alle mogelijkheden - 500eurolenen.nl". 500 Euro Lenen. Retrieved 15 May 2017.
- ING. "ING Annual Report 2017". ING. Retrieved 26 May 2018.
- Frankfurt Stock Exchange Archived 2015-11-19 at the Wayback Machine
- "The history of ING". ING Group. March 29, 2011. Archived from the original on January 1, 2012.
- "Barclays to acquire ING Direct UK". BBC News. October 9, 2012. Retrieved 9 October 2012.
- "ING Direct Has Merged with Capital One-May Affect Your FDIC Insurance". NerdWallet.com. Archived from the original on 17 November 2012. Retrieved 26 September 2012.
- "Barclays to acquire ING Direct UK". BBC News. October 9, 2012. Retrieved October 9, 2012.
- "ING Group Bilanz, Gewinn und Umsatz | ING Group Geschäftsbericht | A2ANV3". wallstreet-online.de. Retrieved 2018-11-06.
- "ING names new chairman".
- "Products & Services | ING". ING.com. Archived from the original on 19 February 2014. Retrieved 1 March 2014.
- "ING Head office". ING.com. Archived from the original on 2014-03-18. Retrieved 2012-09-01.
- ING verlaat 'de schoen' (in Dutch), NOS, 2014. Retrieved 22 November 2015.
- "ING sells Latin American insurance operations". Toronto: The Globe and Mail. July 25, 2011.
- "U.S. Treasury Department Announces $619 Million Settlement with ING Bank, N.V." U.S. Department of the Treasury. Retrieved 2012-06-13.
- "ING Bank N.V. Agrees to Forfeit $619 Million for Illegal Transactions with Cuban and Iranian Entities". U.S. Department of Justice. Retrieved September 14, 2012.
- "F. Van Lanschot Bankiers and ING GROEP Ratings Affirmed on CenE Bankiers Sale Agreement Jul 04". July 2004. Retrieved July 1, 2013.
- "ING TO ACQUIRE 20% OF BANK OF BEIJING".
- Reuters (23 January 2013). "ING sells stake in India's Vysya Life Insurance". Reuters.
- "ING, Khazanah Invest in Firm Backed by Billionaire Li". Bloomberg News. 20 January 2016.
- "Archived copy". Archived from the original on 2014-03-25. Retrieved 2014-03-25.CS1 maint: Archived copy as title (link)
- "OECD.org" (PDF). Retrieved 2013-10-14.
- "Major Banks in the Netherlands".
- ING.com (2011-09-09). "Bank of Beijing and ING sign MoUs". ING.com. Retrieved 2017-04-07.
- "ING to buy 30% stake in Thai bank TMB". Retrieved 2018-03-09.
- "ING puts $775 million Thailand bank stake on block: sources". Reuters. 2012-03-23. Retrieved 2018-03-09.
- ING.com (2017-08-18). "From ING Direct to 'just' ING". ING.com. Retrieved 2019-01-11.
- Economist (9 November 2017). "ING, a Dutch bank, finds a winning digital strategy". Economist. Retrieved 26 May 2018.
- ING-DiBa. "ING-DiBa Overview". ING-DiBa. Retrieved 26 May 2018.
- "Neues ING-DiBa Logo". ING (in German). Retrieved 2019-01-03.
- "ING Direct change de nom et devient tout simplement ING". ING France (in French). 2019-01-09. Retrieved 2019-01-11.
- "Baringarchive.org.uk". Baringarchive.org.uk. Retrieved 2013-10-14.
- "Baringfoundation.org.uk". Baringfoundation.org.uk. Retrieved 2013-10-14.
- Steen, Michael (2009-11-11). "Cachef.ft.com". Cachef.ft.com. Archived from the original on 2016-03-03. Retrieved 2013-10-14.
- "ING Canada to rebrand its ING Insurance subsidiary". 2009-02-23.
- Cathy Chan and Maud van Gaal (11 October 2012). "ING Agrees to Sell Malaysia Unit to AIA Group". Bloomberg.
- "Our brand history". OnePath.
- "ING IM Keyfacts". Ingim.com. 2013-06-30. Retrieved 2013-10-14.[permanent dead link]
- ING.com (2014-06-05). "ING announces intention to launch Initial Public Offering of NN Group and listing on Euronext Amsterdam". ING.com. Retrieved 2017-07-05.
- ING.com (2014-07-01). "ING prices NN Group shares at EUR 20.00 in IPO". ING.com. Retrieved 2017-07-05.
- "ING Investment Management rebrands as NN Investment Partners". Citywire Global. Retrieved 2017-07-05.
- "About Us". Tangerine. Retrieved 17 April 2014.
- "House of Orange Keys: A list of working Orange Keys for ING House of Orange Keys". House of Orange Keys. Retrieved July 18, 2012.
- "Scotiabank to buy ING Bank of Canada for $3.13 billion in cash". The Canadian Press. August 29, 2012. Retrieved August 29, 2012.
- "ING completes sale of ING Direct Canada". Reuters. November 15, 2012. Archived from the original on September 24, 2015.
- "ING Direct renames itself Tangerine". Toronto Star. November 5, 2013. Retrieved 13 November 2013.
- "Savers pull £5.4bn from ING Direct".
- "Top 50 Companies For Customer Service".
- "Kaupthing Singer & Friedlander". HM Treasury. 8 October 2012. Archived from the original on 11 December 2008.
- "INdirect.com". Archived from the original on 2008-12-17.
- "ING DIRECT Acquires ShareBuilder" (Press release). ING DIRECT USA. November 19, 2007. Archived from the original on July 13, 2011. Retrieved December 8, 2010.
- "ING completes sale of ING Direct USA". Reuters. February 17, 2012. Archived from the original on September 24, 2015.
- Campbell, Dakin (November 7, 2012). "Capital One Rebrands ING Direct as Orange Ball Gets '360' Motif". Bloomberg. Retrieved November 7, 2012.
- http://www.ingafc.com Archived 2007-08-20 at Archive.today
- "ING press release, end of F1 sponsorship". Ing.com. Retrieved 2013-10-14.
- "INGartcollection.com". INGartcollection.com. Retrieved 2013-10-14.
- "ING en TNT sponsoren Gay Pride". Weareproud.nl. Retrieved 2013-05-17.
- "DSF Industry Partners". Archived from the original on 2014-06-13.
- ING to Pay $900 Million to End Dutch Money Laundering Probe
|Wikimedia Commons has media related to ING.|