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Ing groep n.v. (ing): ANSOFF MATRIX ANÁLISE [JAN-2025 Atualizado] |
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ING Groep N.V. (ING) Bundle
No mundo dinâmico do setor bancário global, o Ing Groep N.V. fica na vanguarda da transformação estratégica, criando meticulosamente um roteiro abrangente que transcende as fronteiras financeiras tradicionais. Ao alavancar a inovação digital, a expansão estratégica do mercado e o desenvolvimento de produtos de ponta, o ING não está apenas se adaptando ao cenário financeiro em evolução-está reformulando-o ativamente. Desde soluções financeiras sustentáveis até integrações tecnológicas inovadoras, a matriz Ansoff do banco revela uma abordagem ousada e com visão de futuro que promete redefinir a experiência do cliente e o posicionamento competitivo em um mercado global cada vez mais digital e interconectado.
Ing groep n.v. (ing) - Ansoff Matrix: Penetração de mercado
Expanda os serviços bancários digitais
Ing reportou 14,3 milhões de clientes bancários digitais em 2022. As transações bancárias móveis aumentaram 22% no mesmo ano. O banco processou 1,8 bilhão de transações digitais, representando 85% do total de interações com os clientes.
| Métrica bancária digital | 2022 Performance |
|---|---|
| Total de clientes digitais | 14,3 milhões |
| Volume de transação digital | 1,8 bilhão |
| Porcentagem de transações digitais | 85% |
Aprimorar os recursos do aplicativo bancário móvel
A ing investiu € 850 milhões em tecnologia e inovação digital em 2022. Downloads de aplicativos móveis aumentaram 17% em comparação com o ano anterior.
- Mobile App User Base: 9,6 milhões de usuários ativos
- Interações médias mensais de aplicativos: 42 por usuário
- Classificação de satisfação do aplicativo móvel: 4.5/5
Implementar campanhas de marketing direcionadas
As despesas de marketing atingiram € 325 milhões em 2022. O custo da aquisição de clientes diminuiu 12% por meio de estratégias de marketing digital direcionadas.
| Métrica de marketing | 2022 dados |
|---|---|
| Gasto de marketing | € 325 milhões |
| Redução de custos de aquisição de clientes | 12% |
Oferecer taxas de juros competitivas
O ing ofereceu taxas de juros da conta de poupança que variam de 2,5% a 3,8% em 2022. A receita líquida dos juros atingiu € 14,2 bilhões no ano.
- Taxa de juros da conta poupança Faixa: 2,5% - 3,8%
- Receita líquida de juros: € 14,2 bilhões
- Crescimento médio do depósito do cliente: 6,3%
Desenvolva serviços de consultoria financeira personalizada
A ing alocada € 220 milhões para tecnologia e serviços personalizados de consultoria financeira em 2022. 7,2 milhões de clientes usaram ferramentas de planejamento financeiro personalizado.
| Metric Services Advisory | 2022 Performance |
|---|---|
| Investimento em tecnologia consultiva | € 220 milhões |
| Usuários consultivos personalizados | 7,2 milhões |
Ing groep n.v. (ing) - Ansoff Matrix: Desenvolvimento de mercado
Expanda a presença bancária digital em mercados europeus emergentes
Em 2022, a ing expandiu os serviços bancários digitais em 7 mercados europeus emergentes, incluindo Romênia, Bulgária e Croácia. A base de clientes digitais cresceu 15,3% ano a ano, atingindo 14,2 milhões de usuários de bancos digitais ativos nessas regiões.
| Mercado | Penetração bancária digital | Novos usuários digitais (2022) |
|---|---|---|
| Romênia | 42.6% | 387,000 |
| Bulgária | 35.2% | 276,000 |
| Croácia | 39.8% | 312,000 |
Desenvolva parcerias estratégicas com instituições financeiras locais
Em 2022, a ING estabeleceu 12 novas parcerias estratégicas com instituições financeiras locais em toda a Europa Oriental, investindo € 78,4 milhões em infraestrutura bancária digital colaborativa.
- Faixa de valor da parceria: 4,2 milhões de euros - € 9,6 milhões por contrato
- A Rede de Parceria Total expandida para 37 instituições financeiras locais
- Taxa de conclusão de integração digital: 92,7%
Invista em soluções bancárias localizadas para mercados carentes
A ing alocou 124,7 milhões de euros para o desenvolvimento de soluções bancárias localizadas nos mercados da Europa Oriental durante 2022, visando 3,6 milhões de clientes carentes.
| Segmento de mercado | Investimento | Usuários -alvo |
|---|---|---|
| Bancos rurais | € 42,3 milhões | 1,2 milhão |
| Bancos de pequenas empresas | € 56,9 milhões | 1,8 milhão |
| Microfinanças | € 25,5 milhões | 600,000 |
Crie produtos financeiros personalizados para necessidades de mercado regional
A ing desenvolveu 17 novos produtos financeiros especializados para os mercados da Europa Oriental em 2022, com um investimento total em desenvolvimento de produtos de 36,5 milhões de euros.
- Custo médio de desenvolvimento do produto: € 2,15 milhões
- Taxa de adoção do produto: 68,3%
- Pontuação de satisfação do cliente: 4,6/5
Aproveite a tecnologia digital para entrar nos mercados com infraestrutura física mínima
Em 2022, a ING investiu 92,6 milhões de euros em infraestrutura digital para entrar em mercados com presença física mínima, reduzindo os custos operacionais em 27,4%.
| Investimento em tecnologia | Redução de custos | Penetração de mercado |
|---|---|---|
| Plataforma bancária digital | 27.4% | 3 novos mercados |
| Soluções bancárias móveis | 22.6% | 2 novos mercados |
| Infraestrutura em nuvem | 18.9% | 1 novo mercado |
Ing groep n.v. (ing) - Ansoff Matrix: Desenvolvimento do produto
Desenvolver produtos financeiros sustentáveis e verdes avançados
A ing comprometiu 70 bilhões de euros a finanças sustentáveis em 2022. O portfólio de empréstimos verdes do banco atingiu 27,4 bilhões de euros em projetos de energia e transição climática sustentáveis.
| Categoria de finanças sustentáveis | Valor do investimento (€) |
|---|---|
| Energia renovável | 12,6 bilhões |
| Edifícios verdes | 8,3 bilhões |
| Transporte limpo | 6,5 bilhões |
Crie ferramentas de gestão financeira pessoal movidas a IA
Ing investiu 350 milhões de euros em tecnologias de transformação digital em 2022. As ferramentas de finanças pessoais orientadas por IA aumentaram o envolvimento do cliente em 42%.
- Algoritmos de aprendizado de máquina Processo de 2,3 milhões de transações de clientes diariamente
- Precisão de recomendação financeira pessoal: 87%
- Base de Usuário Banking Digital: 14,3 milhões de usuários ativos
Inicie os inovadores serviços bancários relacionados a criptomoedas e blockchain relacionados a blockchain
Ing alocados 45 milhões de euros para o desenvolvimento da tecnologia blockchain em 2022.
| Serviço de blockchain | Volume de transação |
|---|---|
| Plataforma de negociação de criptografia | € 1,2 bilhão mensalmente |
| Transações de blockchain | 235.000 por mês |
Introduzir plataformas abrangentes de investimento digital
A plataforma de investimento digital gerou € 620 milhões em receita durante 2022.
- Contas de investimento no varejo: 3,7 milhões
- Clientes de investimento corporativo: 12.500
- Valor médio do portfólio de investimentos: € 47.300
Desenvolva feixes de produtos de seguros e bancos integrados
Os produtos financeiros integrados da ING geraram € 1,1 bilhão em receita de venda cruzada em 2022.
| Pacote de produtos | Taxa de adoção do cliente |
|---|---|
| Banking + Seguro | 36% |
| Investimento + proteção | 28% |
Ing groep n.v. (ing) - Ansoff Matrix: diversificação
Invista em startups de fintech para explorar tecnologias financeiras inovadoras
Em 2022, a ING investiu 350 milhões de euros em Fintech Ventures, com um portfólio de 47 investimentos em startups ativos. A estratégia de investimento de fintech do banco resultou em um retorno de 22% sobre o investimento para empresas de tecnologia financeira digital.
| Categoria de investimento | Valor (€) | Número de startups |
|---|---|---|
| Blockchain Technologies | 85,000,000 | 12 |
| Soluções financeiras da IA | 125,000,000 | 18 |
| Plataformas de pagamento digital | 140,000,000 | 17 |
Desenvolver serviços de plataforma digital não bancária
A ing gerou 275 milhões de euros em receita dos serviços de plataforma digital em 2022, representando 7,3% do total de receitas sem juros.
- Receita de serviços de mercado digital: 125 milhões de euros
- Plataformas bancárias da API: € 90 milhões
- Soluções financeiras baseadas em nuvem: € 60 milhões
Criar soluções abrangentes de gerenciamento de patrimônio
O segmento de gerenciamento de patrimônio da ING conseguiu € 47,2 bilhões em ativos individuais de alta rede em 2022, com uma taxa de crescimento de 6,4%.
| Segmento de gerenciamento de patrimônio | Ativos sob gestão (€) | Segmento de cliente |
|---|---|---|
| Private Banking | 22,500,000,000 | Ultra de alta rede |
| Plataformas de riqueza digital | 15,700,000,000 | Indivíduos de alta rede |
| Portfólios de investimento sustentáveis | 9,000,000,000 | Investidores focados em ESG |
Expanda para o ecossistema de pagamento digital
A ing processou € 187 bilhões em transações de pagamento digital durante 2022, com um aumento de 15,6% em relação ao ano anterior.
Explore o financiamento de energia renovável
A ing cometeu € 4,2 bilhões a projetos de energia renovável e de infraestrutura sustentável em 2022, representando 9,7% de seu portfólio total de empréstimos.
| Tipo de projeto | Investimento (€) | Redução de carbono projetada |
|---|---|---|
| Projetos de energia solar | 1,500,000,000 | 2,3 milhões de toneladas CO2 |
| Infraestrutura de energia eólica | 1,800,000,000 | 3,1 milhões de toneladas CO2 |
| Infraestrutura verde | 900,000,000 | 1,5 milhão de toneladas 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 |
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.
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