ING is a leading universal bank headquartered in the Netherlands that serves retail and wholesale customers across Europe and select growth markets through integrated banking operations. For retail customers, the bank offers mortgages, consumer lending, deposit and savings products, investment and asset management services, daily banking and payments, and insurance; for wholesale clients, it provides corporate lending, trade finance, cash management, capital markets advisory, financial markets trading, and transaction services. The company generates revenue through net interest income from lending and deposit spreads, fee and commission income from investment products and banking services, and trading results from financial markets operations.