ING Groep N.V. (ING): ANSOFF-Matrixanalyse

In der dynamischen Welt des globalen Bankwesens steht die ING Groep N.V. an der Spitze der strategischen Transformation und erstellt akribisch eine umfassende Roadmap, die über traditionelle Finanzgrenzen hinausgeht. Durch die Nutzung digitaler Innovationen, strategischer Marktexpansion und modernster Produktentwicklung passt sich ING nicht nur an die sich entwickelnde Finanzlandschaft an, sondern gestaltet diese aktiv um. Von nachhaltigen Finanzlösungen bis hin zu bahnbrechenden technologischen Integrationen offenbart die Ansoff-Matrix der Bank einen mutigen, zukunftsorientierten Ansatz, der verspricht, das Kundenerlebnis und die Wettbewerbspositionierung in einem zunehmend digitalen und vernetzten globalen Markt neu zu definieren.

ING Groep N.V. (ING) – Ansoff-Matrix: Marktdurchdringung

Erweitern Sie digitale Bankdienstleistungen

ING meldete im Jahr 2022 14,3 Millionen Digital-Banking-Kunden. Mobile-Banking-Transaktionen stiegen im selben Jahr um 22 %. Die Bank wickelte 1,8 Milliarden digitale Transaktionen ab, was 85 % der gesamten Kundeninteraktionen ausmacht.

Digital-Banking-Metrik	Leistung 2022
Gesamtzahl der digitalen Kunden	14,3 Millionen
Digitales Transaktionsvolumen	1,8 Milliarden
Prozentsatz digitaler Transaktionen	85%

Verbessern Sie die Funktionen der Mobile-Banking-App

ING investierte im Jahr 2022 850 Millionen Euro in Technologie und digitale Innovation. Die Downloads mobiler Apps stiegen im Vergleich zum Vorjahr um 17 %.

• Nutzerbasis der mobilen App: 9,6 Millionen aktive Nutzer
• Durchschnittliche monatliche App-Interaktionen: 42 pro Benutzer
• Zufriedenheitsbewertung der mobilen App: 4,5/5

Implementieren Sie gezielte Marketingkampagnen

Die Marketingausgaben beliefen sich im Jahr 2022 auf 325 Millionen Euro. Die Kosten für die Kundenakquise sanken durch gezielte digitale Marketingstrategien um 12 %.

Marketingmetrik	Daten für 2022
Marketingausgaben	325 Millionen Euro
Reduzierung der Kundenakquisekosten	12%

Bieten Sie wettbewerbsfähige Zinssätze

ING bot im Jahr 2022 Zinssätze für Sparkonten zwischen 2,5 % und 3,8 % an. Der Nettozinsertrag erreichte in diesem Jahr 14,2 Milliarden Euro.

• Zinsspanne für Sparkonten: 2,5 % – 3,8 %
• Zinsüberschuss: 14,2 Milliarden Euro
• Durchschnittliches Wachstum der Kundeneinlagen: 6,3 %

Entwickeln Sie personalisierte Finanzberatungsdienste

ING hat im Jahr 2022 220 Millionen Euro für personalisierte Finanzberatungstechnologie und -dienstleistungen bereitgestellt. 7,2 Millionen Kunden nutzten personalisierte Finanzplanungstools.

Metrik für Beratungsdienstleistungen	Leistung 2022
Investition in Beratungstechnologie	220 Millionen Euro
Personalisierte Beratungsbenutzer	7,2 Millionen

ING Groep N.V. (ING) – Ansoff-Matrix: Marktentwicklung

Erweitern Sie die Präsenz des Digital Banking in aufstrebenden europäischen Märkten

Im Jahr 2022 erweiterte ING seine digitalen Bankdienstleistungen auf sieben aufstrebende europäische Märkte, darunter Rumänien, Bulgarien und Kroatien. Der digitale Kundenstamm wuchs im Jahresvergleich um 15,3 % und erreichte in diesen Regionen 14,2 Millionen aktive Digital-Banking-Nutzer.

Markt	Durchdringung des digitalen Bankwesens	Neue digitale Nutzer (2022)
Rumänien	42.6%	387,000
Bulgarien	35.2%	276,000
Kroatien	39.8%	312,000

Entwickeln Sie strategische Partnerschaften mit lokalen Finanzinstituten

Im Jahr 2022 gründete ING 12 neue strategische Partnerschaften mit lokalen Finanzinstituten in ganz Osteuropa und investierte 78,4 Millionen Euro in die kollaborative digitale Banking-Infrastruktur.

• Wertspanne der Partnerschaft: 4,2 Mio. € – 9,6 Mio. € pro Vereinbarung
• Das gesamte Partnerschaftsnetzwerk wurde auf 37 lokale Finanzinstitute erweitert
• Abschlussrate der digitalen Integration: 92,7 %

Investieren Sie in lokalisierte Banklösungen für unterversorgte Märkte

ING hat im Jahr 2022 124,7 Millionen Euro für die Entwicklung lokalisierter Banklösungen in osteuropäischen Märkten bereitgestellt und zielt auf 3,6 Millionen unterversorgte Kunden ab.

Marktsegment	Investition	Zielbenutzer
Ländliches Bankwesen	42,3 Millionen Euro	1,2 Millionen
Banking für kleine Unternehmen	56,9 Millionen Euro	1,8 Millionen
Mikrofinanzierung	25,5 Millionen Euro	600,000

Erstellen Sie maßgeschneiderte Finanzprodukte für regionale Marktbedürfnisse

ING hat im Jahr 2022 17 neue spezialisierte Finanzprodukte für osteuropäische Märkte entwickelt, mit einer Gesamtinvestition in die Produktentwicklung von 36,5 Millionen Euro.

• Durchschnittliche Produktentwicklungskosten: 2,15 Millionen Euro
• Produktakzeptanzrate: 68,3 %
• Kundenzufriedenheitswert: 4,6/5

Nutzen Sie digitale Technologie, um Märkte mit minimaler physischer Infrastruktur zu erschließen

Im Jahr 2022 investierte ING 92,6 Millionen Euro in die digitale Infrastruktur, um Märkte mit minimaler physischer Präsenz zu erschließen, wodurch die Betriebskosten um 27,4 % gesenkt wurden.

Technologieinvestitionen	Kostensenkung	Marktdurchdringung
Digitale Banking-Plattform	27.4%	3 neue Märkte
Mobile-Banking-Lösungen	22.6%	2 neue Märkte
Cloud-Infrastruktur	18.9%	1 neuer Markt

ING Groep N.V. (ING) – Ansoff-Matrix: Produktentwicklung

Entwickeln Sie fortschrittliche nachhaltige und umweltfreundliche Finanzprodukte

ING hat im Jahr 2022 70 Milliarden Euro für nachhaltige Finanzierungen bereitgestellt. Das grüne Kreditportfolio der Bank belief sich auf 27,4 Milliarden Euro für nachhaltige Energie- und Klimawendeprojekte.

Kategorie „Sustainable Finance“.	Investitionsbetrag (€)
Erneuerbare Energie	12,6 Milliarden
Grüne Gebäude	8,3 Milliarden
Sauberer Transport	6,5 Milliarden

Erstellen Sie KI-gestützte Tools für das persönliche Finanzmanagement

ING investierte im Jahr 2022 350 Millionen Euro in digitale Transformationstechnologien. KI-gesteuerte persönliche Finanztools steigerten die Kundenbindung um 42 %.

• Algorithmen des maschinellen Lernens verarbeiten täglich 2,3 Millionen Kundentransaktionen
• Genauigkeit der persönlichen Finanzempfehlungen: 87 %
• Nutzerbasis des digitalen Bankings: 14,3 Millionen aktive Nutzer

Einführung innovativer Kryptowährungs- und Blockchain-bezogener Bankdienstleistungen

ING hat im Jahr 2022 45 Millionen Euro für die Entwicklung der Blockchain-Technologie bereitgestellt.

Blockchain-Dienst	Transaktionsvolumen
Krypto-Handelsplattform	1,2 Milliarden Euro monatlich
Blockchain-Transaktionen	235.000 pro Monat

Führen Sie umfassende digitale Investitionsplattformen ein

Die digitale Investitionsplattform erzielte im Jahr 2022 einen Umsatz von 620 Millionen Euro.

• Privatanlagekonten: 3,7 Millionen
• Unternehmensinvestitionskunden: 12.500
• Durchschnittlicher Wert des Anlageportfolios: 47.300 €

Entwickeln Sie integrierte Versicherungs- und Bankproduktpakete

Die integrierten Finanzprodukte von ING generierten im Jahr 2022 Cross-Selling-Umsätze in Höhe von 1,1 Milliarden Euro.

Produktpaket	Kundenakzeptanzrate
Banken + Versicherungen	36%
Investition + Schutz	28%

ING Groep N.V. (ING) – Ansoff-Matrix: Diversifikation

Investieren Sie in Fintech-Startups, um innovative Finanztechnologien zu erkunden

Im Jahr 2022 investierte ING 350 Millionen Euro in Fintech-Unternehmen und verfügt über ein Portfolio von 47 aktiven Startup-Investitionen. Die Fintech-Investitionsstrategie der Bank führte zu einer Kapitalrendite von 22 % für digitale Finanztechnologieunternehmen.

Anlagekategorie	Betrag (€)	Anzahl der Startups
Blockchain-Technologien	85,000,000	12
KI-Finanzlösungen	125,000,000	18
Digitale Zahlungsplattformen	140,000,000	17

Entwickeln Sie digitale Plattformdienste außerhalb des Bankwesens

ING erzielte im Jahr 2022 einen Umsatz von 275 Millionen Euro mit digitalen Plattformdiensten, was 7,3 % der gesamten zinsunabhängigen Einnahmen entspricht.

• Umsatz mit digitalen Marktplatzdienstleistungen: 125 Millionen Euro
• API-Banking-Plattformen: 90 Millionen Euro
• Cloudbasierte Finanzlösungen: 60 Millionen Euro

Erstellen Sie umfassende Vermögensverwaltungslösungen

Das Vermögensverwaltungssegment von ING verwaltete im Jahr 2022 vermögende Privatvermögen in Höhe von 47,2 Milliarden Euro, mit einer Wachstumsrate von 6,4 %.

Segment Vermögensverwaltung	Verwaltetes Vermögen (€)	Kundensegment
Private Banking	22,500,000,000	Extrem vermögend
Digitale Vermögensplattformen	15,700,000,000	Vermögende Privatpersonen
Nachhaltige Anlageportfolios	9,000,000,000	ESG-fokussierte Anleger

Erweitern Sie das digitale Zahlungsökosystem

ING wickelte im Jahr 2022 187 Milliarden Euro an digitalen Zahlungstransaktionen ab, was einem Anstieg von 15,6 % gegenüber dem Vorjahr entspricht.

Entdecken Sie die Finanzierung erneuerbarer Energien

ING hat im Jahr 2022 4,2 Milliarden Euro für erneuerbare Energien und nachhaltige Infrastrukturprojekte bereitgestellt, was 9,7 % seines gesamten Kreditportfolios entspricht.

Projekttyp	Investition (€)	Voraussichtliche CO2-Reduktion
Solarenergieprojekte	1,500,000,000	2,3 Millionen Tonnen CO2
Windenergie-Infrastruktur	1,800,000,000	3,1 Millionen Tonnen CO2
Grüne Infrastruktur	900,000,000	1,5 Millionen Tonnen CO2

ING Groep N.V. (ING) - Ansoff Matrix: Market Penetration

You're looking at how ING Groep N.V. (ING) can deepen its hold in its existing markets, which is the core of Market Penetration. This means getting current customers to use more services, or getting more customers within the existing footprint.

Intensify digital marketing in Germany and Spain to convert more of the 40 million customers to primary status.

ING Groep N.V. (ING) serves more than 40 million clients across its footprint as of Q1 2025. The focus is clearly on driving primary customer status through digital channels, especially in key markets like Germany and Spain, where growth has been particularly strong. As of Q3 2025, 37% of the total customer base is classified as mobile primary. This segment added 197,000 new mobile primary customers in Q3 2025 alone. To put that in perspective, the year-to-date growth in mobile primary customers was nearly 1.1 million, hitting 8% year-on-year growth. The bank even launched a digital bank account for teenagers in Spain during Q2 2025, which is a direct play for future primary relationships.

• Total customer base: more than 40,000,000 (Q1 2025).
• Mobile primary customers as of Q3 2025: 37% of total.
• New mobile primary customers added in Q3 2025: 197,000.
• Year-on-year mobile primary customer growth (Q3 2025): 1.1 million.
• Growth markets mentioned: Germany, Spain, Italy, Romania.

Offer competitive, tiered deposit rates to capture more of the €17 billion in retail core deposits attracted in Q1 2025.

The ability to attract deposits is a major lever here. In Q1 2025, ING Groep N.V. (ING) pulled in €17 billion in retail core deposits, primarily driven by a promotional campaign in Germany. That single quarter saw net core deposit growth of €22.6 billion, which was a 13% annualized rate and described as the highest quarterly growth ever. By the end of Q1 2025, total customer deposits stood at €733.7 billion. This shows the existing customer base is willing to consolidate funds, so rate adjustments can be highly effective.

Metric	Period	Amount/Rate
Retail Core Deposits Attracted	Q1 2025	€17 billion
Total Net Core Deposit Growth	Q1 2025	€22.6 billion
Annualized Net Core Deposit Growth	Q1 2025	13%
Total Customer Deposits	End of Q1 2025	€733.7 billion
Retail Share of H1 2025 Net Core Deposit Growth	H1 2025	€25.9 billion

Cross-sell investment products to existing retail clients, building on the 14% year-on-year fee income growth in Q3 2025.

Fee income is a clear area of success, showing that cross-selling is already working. Retail fee income specifically rose 14% year-on-year in Q3 2025, though overall fee income growth was reported at 15% year-on-year for that quarter. The bank is clearly pushing investment products; in the first half of 2025, they added over 400,000 new active investment product customers. As of June 2025, the total number of investment accounts reached 4.9 million, holding €254 billion in assets under management and e-brokerage. The full-year 2025 fee growth outlook was upgraded to >10% growth.

• Retail Fee Income YoY Growth: 14% (Q3 2025).
• Total Fee Income YoY Growth: 15% (Q3 2025).
• New Investment Product Customers YoY: Over 400,000 (as of Q2 2025).
• Total Investment Accounts: 4.9 million (June 2025).
• Assets Under Management/E-brokerage: €254 billion (June 2025).

Streamline the mortgage application process to capitalize on the €8.6 billion Q3 2025 retail lending growth.

Mortgages are a core driver of lending growth, so making that process smoother directly impacts penetration. Retail lending grew by €8.6 billion in Q3 2025, with residential mortgages being the main component. This follows a pattern, as Q1 2025 also saw €8.6 billion in retail lending growth, with €6 billion of that in residential mortgages. You saw 125,000 mortgage applications in Q1 2025, which was a 20% year-on-year increase, suggesting high demand is already present. To encourage uptake and potentially lower risk, ING introduced a new mortgage pricing model in the Netherlands in Q2 2025 that ties interest rates to the energy label of the home.

The retail lending growth figures show the opportunity you're aiming to capture:

Period	Retail Lending Net Core Growth	Mortgage Contribution (Approx.)
Q3 2025	€8.6 billion	Main driver
Q2 2025	Over €11.0 billion	€7.2 billion
Q1 2025	€8.6 billion	Primarily driven by mortgages

Finance: draft next quarter's primary customer conversion projection by Friday.

ING Groep N.V. (ING) - Ansoff Matrix: Market Development

You're looking at how ING Groep N.V. (ING) can take its proven models and services and push them into new territories or client segments. This is Market Development in action, and the numbers from 2025 show where the momentum is already building.

Expanding the Digital Retail Model to New Eastern European Markets

While the digital-only retail model is clearly working in established markets, the next frontier involves pushing beyond the current Eastern European footprint of Romania and Poland. The success in these existing markets provides the blueprint. For instance, in the third quarter of 2025, ING saw significant customer acquisition across its core markets, which includes Romania. The total mobile primary customer base grew by 1.1 million, an 8% year-on-year increase, reaching 14.9 million total mobile primary customers as of the second quarter of 2025. This existing growth trajectory in the region supports the strategy to enter adjacent, high-growth Eastern European nations.

Here's a look at the customer growth fueling this strategy:

• Year-on-year mobile primary customer growth: 1.1 million
• Total mobile primary customers (as of 2Q2025): 14.9 million
• Year-on-year mobile primary customer growth percentage: 8%
• Retail fee income year-on-year rise (3Q2025): 14%

Targeting US Multinational Corporations with Wholesale Banking Solutions

The Wholesale Banking segment is already showing strength in key areas relevant to US multinationals. Trade Finance Services and Working Capital Solutions are performing well. In the first nine months of 2025, ING increased its sustainable volume mobilized to €110 billion, showing a 29% year-on-year increase, which is a key offering for global corporations focused on ESG mandates. Furthermore, the Wholesale Banking fee income in the third quarter of 2025 hit €383 million, a 19% jump year-on-year, driven by strong deal activity and volume growth in Lending.

The core lending performance in these specific areas in 2025 demonstrates readiness for deeper US corporate penetration:

Metric	H1 2025 Value	3Q 2025 Value
Wholesale Banking Net Core Lending Growth	€2.3 billion	€5.7 billion
Wholesale Banking Fee Income Growth (YoY)	N/A	19%
Wholesale Banking Fee Income Amount (3Q2025)	N/A	€383 million

The net core lending growth in the second quarter was €4.1 billion, specifically driven by strong momentum in Working Capital Solutions and short-term trade-related financing.

Leveraging Sustainable Finance in New OECD Markets

ING's commitment to green lending is backed by substantial mobilization figures. For the first half of 2025, the bank mobilized €67.8 billion in sustainable financing, marking a 19% increase over the first half of 2024. The total sustainable volume mobilized across the first nine months of 2025 reached €110 billion. This massive figure directly supports the push into new OECD markets with green lending products, as demand remains high, with sustainable financing volumes in Central and Eastern Europe increasing from $19.5 billion in Q1/Q2 2024 to $31.5 billion in Q1/Q2 2025.

Acquiring Smaller, Regionally-Focused Banks

The stated interest from ING's CEO points toward inorganic growth in core markets like Germany, Italy, or Spain to immediately capture market share. The success in these markets is already evident in customer acquisition. For example, Germany, Spain, and Italy were explicitly named as leaders in the year-on-year growth of 1.1 million mobile primary customers in Q3 2025. The bank's total assets stood at €1.087 trillion as of the second quarter of 2025, providing the balance sheet capacity for strategic M&A. Analysts noted that the bank's Return on Equity (ROE) for the first half of 2025 was 13.0%, which is a strong foundation for financing acquisitions aimed at boosting market share in these key economies.

Key financial context for potential acquisitions:

• Total Assets (2Q2025): €1.087 trillion
• H1 2025 Return on Equity: 13.0%
• Target CET1 Ratio: ~13% (as of 3Q2025)

Finance: draft 13-week cash view by Friday.

ING Groep N.V. (ING) - Ansoff Matrix: Product Development

You're looking at how ING Groep N.V. expands its offerings to its existing customer base, which stands at over 40 million customers globally.

The push into a comprehensive, fee-based digital wealth management platform is supported by strong existing momentum. Retail fee income rose 14% year-on-year by the third quarter of 2025. This growth was mainly from investment products as more customers started investing with ING. In the first quarter of 2025, fee income from investment products increased significantly, reflecting growth in the number of customers for investment products and in the average number of brokerage trades per customer.

Here's a look at the digital engagement metrics in wealth management that this new platform builds upon:

Metric	Value/Rate	Context/Period
Retail Fee Income YoY Growth	14%	Q3 2025
Mobile Primary Customer Growth YoY	8%	Q3 2025
Sustainable Finance Volume Increase YoY	29%	First nine months of 2025
Average Client Retention Increase (Digital Platforms)	15%	Wealth Management Firms in 2025

Developing and marketing the new mortgage pricing model tied to energy labels across major European retail markets is a direct product enhancement for existing mortgage holders. This model, launched April 30, 2025, in the Netherlands, ties interest rates to the property's energy rating. Retail lending, mainly mortgages, grew by €8.6 billion in the third quarter of 2025.

The specific interest rate incentives introduced are:

• Discount for Energy Label D: 0.03%
• Discount for Energy Label C: 0.06%
• Discount for Energy Label B: 0.09%
• Discount for Energy Label A: 0.12%
• Discount for Energy Label A+ or better: 0.15%

Introducing a new suite of cyber-insurance and fraud-protection products for Small and Medium-sized Enterprises (SMEs) targets a market segment with clear, though varied, penetration. The global cyber insurance market is projected to reach $20.56 billion by 2025.

Market penetration for SMEs remains a key area for growth:

• SME Cyber Policy Adoption: 40% uptick in the past year
• SME Market Penetration: Remains below 10% in 2025
• Netherlands Cyber Insurance Market Size: Grew from EUR 10 million (2015) to EUR 65 million (2022)

The integration of generative AI-powered chatbots into the mobile app is aimed at enhancing customer service and reducing operating expenses. Within the first seven weeks of use, the new chatbot helped 20 percent more customers avoid long wait times compared to the previous solution.

The internal investment in this capability is substantial, with the Chief Analytics Officer leading a 500-strong team dedicated to AI and advanced analytics. The bank's governance around this technology is rigorous:

AI Governance Metric	Value	Focus Area
Evaluation Steps per AI System	20	Risk Management Process
Risks Evaluated per AI System	140	Risk Management Process
Customer Avoided Wait Times Improvement	20 percent	First seven weeks of use

Finance: draft 13-week cash view by Friday.

ING Groep N.V. (ING) - Ansoff Matrix: Diversification

You're looking at how ING Groep N.V. (ING) is pushing beyond its core European markets and established product lines; this is pure diversification, a move into new territory on the Ansoff Matrix. This strategy aims to build new revenue streams, which is critical when Net Interest Income (NII) faces margin pressure, as seen when Commercial NII declined year-on-year in Q2 2025 due to margin pressure and currency fluctuations, even as total income remained stable.

The drive for fee income diversification is already showing results. In Q2 2025, fee income grew by 12% year-on-year, now making up almost 20% of total income for ING Groep N.V. The bank has a clear target to reach €5 billion in fee income by 2027, so these new ventures are designed to feed that goal.

Here is a snapshot of the financial context supporting this diversification push:

Metric	Value (as of 2025 data)	Context
Total Assets	€1.087 trillion	As of Q3 2025
Q3 2025 Net Result	€1,787 million	Reported for the third quarter of 2025
Fee Income Y-o-Y Growth (Q2 2025)	12%	Growth in both Retail and Wholesale Banking
Fee Income Contribution (Q2 2025)	Almost 20%	Of total income
Wholesale Banking Fee Income Y-o-Y Growth (Q3 2025)	19%	Driven by increased loan underwriting and lending volumes
Sustainable Finance Mobilised (9M 2025)	€110 billion	Up 29% compared to the first nine months of 2024

The first pillar of this diversification involves digital currency for the corporate market. ING Groep N.V. is actively developing a euro-backed stablecoin intended to comply with the European Union's Markets in Crypto-Assets (MiCA) regulation, which came into force in 2024. This is a move to capture efficiency in cross-border payments for corporate clients, following the path of other regulated entities like Société Générale's SG Forge.

Next, expanding into the Middle East and North Africa (MENA) region through a dedicated Islamic Finance unit targets new product markets. ING Groep N.V. already has experience here, acting as an active bookrunner for Türkiye Wealth Fund's first Sukuk, which raised $750 million. The global Islamic finance industry saw a 10.6% asset increase in 2024, with total sukuk outstanding surpassing $1 trillion for the first time, indicating a significant asset class to tap into. Furthermore, ING Groep N.V. may consider doubling its Middle East operations in the next 18 months, including looking into opening a Saudi office.

For the US market, the plan is to launch a standalone, fully digital B2B payments and treasury management FinTech platform. This is a new market development for ING Groep N.V.'s core wholesale services. The bank's Wholesale Banking segment delivered a strong Q3 2025 performance, with fee income growing robustly. This move aims to replicate that success in a new geography, focusing on digital delivery. The US equity markets are showing resilience, with expected average earnings growth of 12% to 16% across all equity regions in 2026.

Finally, the InsurTech investment represents a product development diversification within the existing European footprint, integrating new offerings into the ING app. ING Groep N.V. already saw Retail Banking fee income grow from insurance products in the first half of 2025. The bank is clearly comfortable with strategic minority stakes, having increased its equity holding in Van Lanschot Kempen to 9.9% in March 2025, and later holding 20.3% as of July 2025. The Q2 2025 Earnings Per Share (EPS) was $0.64, showing the underlying profitability that supports such strategic investments.

• The stablecoin initiative is a direct response to the regulatory clarity provided by the Markets in Crypto-Assets (MiCA) framework.
• The MENA expansion leverages existing Wholesale Banking success in capital markets, such as the $750 million Sukuk deal.
• The US B2B platform targets a new geographic segment for digital treasury services.
• The InsurTech stake aims to embed non-life insurance products alongside existing fee-generating services.

Finance: draft the projected revenue contribution from the US B2B platform for FY2026 by Friday.