Ing Groep N.V. (ING): ANSOFF Matrix Analysis [Jan-2025 Mis à jour]

Dans le monde dynamique de la banque mondiale, ING Groep N.V. est à la pointe de la transformation stratégique, créant méticuleusement une feuille de route complète qui transcende les frontières financières traditionnelles. En tirant parti de l'innovation numérique, de l'expansion du marché stratégique et du développement de produits de pointe, l'ING ne s'adapte pas seulement à l'évolution du paysage financier - cela le remodeance activement. Des solutions financières durables aux intégrations technologiques révolutionnaires, la matrice Ansoff de la banque révèle une approche audacieuse et avant-gardiste qui promet de redéfinir l'expérience client et le positionnement concurrentiel dans un marché mondial de plus en plus numérique et interconnecté.

Ing Groep N.V. (ing) - Matrice Ansoff: pénétration du marché

Développer les services bancaires numériques

ING a déclaré 14,3 millions de clients bancaires numériques en 2022. Les transactions bancaires mobiles ont augmenté de 22% la même année. La banque a traité 1,8 milliard de transactions numériques, représentant 85% du total des interactions client.

Métrique bancaire numérique	2022 Performance
Clients numériques totaux	14,3 millions
Volume de transaction numérique	1,8 milliard
Pourcentage de transaction numérique	85%

Améliorer les fonctionnalités des applications bancaires mobiles

Ing a investi 850 millions d'euros dans la technologie et l'innovation numérique en 2022. Les téléchargements d'applications mobiles ont augmenté de 17% par rapport à l'année précédente.

• Base d'utilisateurs d'applications mobiles: 9,6 millions d'utilisateurs actifs
• Interactions mensuelles moyennes de l'application: 42 par utilisateur
• Note de satisfaction de l'application mobile: 4.5 / 5

Mettre en œuvre des campagnes de marketing ciblées

Les dépenses de marketing ont atteint 325 millions d'euros en 2022. Le coût d'acquisition des clients a diminué de 12% grâce à des stratégies de marketing numérique ciblées.

Métrique marketing	2022 données
Dépenses de marketing	325 millions d'euros
Réduction des coûts d'acquisition des clients	12%

Offrir des taux d'intérêt compétitifs

Les taux d'intérêt des comptes d'épargne offraient de 2,5% à 3,8% en 2022. Le revenu net d'intérêts a atteint 14,2 milliards d'euros pour l'année.

• Plage de taux d'intérêt du compte d'épargne: 2,5% - 3,8%
• Revenu des intérêts nets: 14,2 milliards d'euros
• Croissance moyenne des dépôts du client: 6,3%

Développer des services de conseil financier personnalisés

Ing a alloué 220 millions d'euros pour la technologie et les services de conseil financier personnalisés en 2022. 7,2 millions de clients ont utilisé des outils de planification financière personnalisés.

Métrique des services consultatifs	2022 Performance
Investissement dans la technologie consultative	220 millions d'euros
Utilisateurs consultatifs personnalisés	7,2 millions

Ing Groep N.V. (ING) - Matrice Ansoff: développement du marché

Développez la présence bancaire numérique sur les marchés européens émergents

En 2022, ING a élargi les services bancaires numériques sur 7 marchés européens émergents, notamment la Roumanie, la Bulgarie et la Croatie. La clientèle numérique a augmenté de 15,3% en glissement annuel, atteignant 14,2 millions d'utilisateurs de banque numérique actifs dans ces régions.

Marché	Pénétration des banques numériques	Nouveaux utilisateurs numériques (2022)
Roumanie	42.6%	387,000
Bulgarie	35.2%	276,000
Croatie	39.8%	312,000

Développer des partenariats stratégiques avec les institutions financières locales

En 2022, ING a établi 12 nouveaux partenariats stratégiques avec des institutions financières locales à travers l'Europe de l'Est, investissant 78,4 millions d'euros dans une infrastructure bancaire numérique collaborative.

• Gamme de valeurs de partenariat: 4,2 millions d'euros - 9,6 millions d'euros par accord
• Le réseau de partenariat total s'est étendu à 37 institutions financières locales
• Taux d'achèvement de l'intégration numérique: 92,7%

Investissez dans des solutions bancaires localisées pour les marchés mal desservis

Ing a alloué 124,7 millions d'euros pour le développement de solutions bancaires localisées sur les marchés d'Europe de l'Est en 2022, ciblant 3,6 millions de clients mal desservis.

Segment de marché	Investissement	Cibler les utilisateurs
Banque rurale	42,3 millions d'euros	1,2 million
Banque des petites entreprises	56,9 millions d'euros	1,8 million
Microfinance	25,5 millions d'euros	600,000

Créer des produits financiers sur mesure pour les besoins du marché régional

A développé 17 nouveaux produits financiers spécialisés pour les marchés d'Europe de l'Est en 2022, avec un investissement total de développement de produits de 36,5 millions d'euros.

• Coût moyen de développement des produits: 2,15 millions d'euros
• Taux d'adoption des produits: 68,3%
• Score de satisfaction du client: 4.6 / 5

Tirer parti de la technologie numérique pour entrer dans les marchés avec un minimum d'infrastructure physique

En 2022, ING a investi 92,6 millions d'euros dans les infrastructures numériques pour entrer dans les marchés avec une présence physique minimale, réduisant les coûts opérationnels de 27,4%.

Investissement technologique	Réduction des coûts	Pénétration du marché
Plate-forme bancaire numérique	27.4%	3 nouveaux marchés
Solutions bancaires mobiles	22.6%	2 nouveaux marchés
Infrastructure cloud	18.9%	1 nouveau marché

Ing Groep N.V. (ING) - Matrice Ansoff: Développement de produits

Développer des produits financiers durables et verts avancés

L'ing a engagé 70 milliards d'euros en finance durable en 2022. Le portefeuille de prêts verts de la banque a atteint 27,4 milliards d'euros de projets de transition énergétique et climatique durables.

Catégorie de financement durable	Montant d'investissement (€)
Énergie renouvelable	12,6 milliards
Bâtiments verts	8,3 milliards
Transport propre	6,5 milliards

Créer des outils de gestion financière personnels alimentés par l'IA

Ing a investi 350 millions d'euros dans les technologies de transformation numérique en 2022. Les outils de financement personnel dirigés par l'IA ont augmenté l'engagement des clients de 42%.

• Algorithmes d'apprentissage automatique Processus de 2,3 millions de transactions clients quotidiennement
• Précision de recommandation financière personnelle: 87%
• Base d'utilisateurs bancaires numériques: 14,3 millions d'utilisateurs actifs

Lancez des services bancaires innovants de crypto-monnaie et de blockchain

Ing a alloué 45 millions d'euros pour le développement de la technologie blockchain en 2022.

Service de blockchain	Volume de transaction
Plate-forme de trading crypto	1,2 milliard d'euros par mois
Blockchain Transactions	235 000 par mois

Introduire des plateformes d'investissement numérique complètes

La plate-forme d'investissement numérique a généré 620 millions d'euros de revenus en 2022.

• Comptes d'investissement au détail: 3,7 millions
• Clients d'investissement d'entreprise: 12 500
• Valeur du portefeuille d'investissement moyen: 47 300 €

Développer des faisceaux d'assurance et de produits bancaires intégrés

Les produits financiers intégrés de l'ING ont généré 1,1 milliard d'euros de revenus croisés en 2022.

Pack de produits	Taux d'adoption des clients
Banque + assurance	36%
Investissement + protection	28%

Ing Groep N.V. (ING) - Matrice Ansoff: diversification

Investissez dans des startups fintech pour explorer les technologies financières innovantes

En 2022, ING a investi 350 millions d'euros dans FinTech Ventures, avec un portefeuille de 47 investissements en démarrage actifs. La stratégie d'investissement fintech de la banque a entraîné un retour sur investissement de 22% pour les sociétés de technologie financière numérique.

Catégorie d'investissement	Montant (€)	Nombre de startups
Blockchain Technologies	85,000,000	12
Solutions financières de l'IA	125,000,000	18
Plates-formes de paiement numérique	140,000,000	17

Développer des services de plate-forme numérique non bancaires

ING généré 275 millions d'euros de revenus des services de plate-forme numérique en 2022, ce qui représente 7,3% du revenu total sans intérêt.

• Revenus de services de marché numérique: 125 millions d'euros
• Plateformes bancaires API: 90 millions d'euros
• Solutions financières basées sur le cloud: 60 millions d'euros

Créer des solutions complètes de gestion de patrimoine

Le segment de la gestion de la patrimoine d'ING a géré 47,2 milliards d'euros d'actifs individuels à forte valeur élevée en 2022, avec un taux de croissance de 6,4%.

Segment de gestion de la patrimoine	Actifs sous gestion (€)	Segment client
Banque privée	22,500,000,000	Ultra-netteur
Plates-formes de richesse numérique	15,700,000,000	Individus à haute nette
Portefeuilles d'investissement durables	9,000,000,000	Investisseurs axés sur l'ESG

Se développer dans l'écosystème de paiement numérique

Traité 187 milliards d'euros en transactions de paiement numérique en 2022, avec une augmentation de 15,6% par rapport à l'année précédente.

Explorer le financement des énergies renouvelables

Ing a engagé 4,2 milliards d'euros dans les énergies renouvelables et les projets d'infrastructures durables en 2022, représentant 9,7% de son portefeuille de prêts total.

Type de projet	Investissement (€)	Réduction du carbone projetée
Projets d'énergie solaire	1,500,000,000	2,3 millions de tonnes CO2
Infrastructure d'énergie éolienne	1,800,000,000	3,1 millions de tonnes CO2
Infrastructure verte	900,000,000	1,5 million de tonnes 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.