ING Groep Value Chain Analysis
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This ING Groep Value Chain Analysis helps you understand how the company creates value through its support and primary activities in a clear, structured format. The page already shows a real preview of the actual analysis, so you can review the content before buying. Purchase the full version to get the complete ready-to-use report.
Support Activities
Firm Infrastructure
ING Groep N.V. runs Firm Infrastructure through one group-wide governance model, so capital, liquidity, risk, and compliance stay aligned across retail, commercial, and wholesale banking. That matters in a regulated model where local units still follow one risk framework under ECB oversight. In 2025, this centralized control helped ING keep decision-making fast, while still meeting multi-jurisdiction reporting and control demands.
Human Resource Management
ING Groep N.V. ran its 2025 human resource model with about 60,000 employees, leaning on bankers, technologists, data specialists, and control-function staff instead of a big branch network. The mix supports digital sales and tighter risk oversight. Training in AML, cyber, product governance, and digital servicing helps ING Groep N.V. keep service and controls consistent across markets.
Technology Development
In FY2025, ING Groep N.V. kept technology development at the center of its digital bank model, using shared platforms, mobile banking, analytics, and automation to speed onboarding, payments, underwriting, and service. This cuts manual work and supports faster, more consistent customer handling across markets.
ING Groep N.V. also uses data tools to improve fraud checks and risk decisions in real time, which matters as its digital channels carry most everyday banking tasks. That tech base helps ING Groep N.V. serve millions of customers with lower unit cost and better scale.
Procurement
ING Groep N.V. uses procurement to buy software licenses, technology services, payment infrastructure, and professional services from external suppliers. In 2025, that matters because ING Groep N.V. serves over 38 million customers across more than 10 countries, so tighter sourcing helps keep costs down and standardize tools, vendors, and controls.
- Lower spend through scale buying
- Standardize tech across countries
- Reduce vendor and compliance risk
ING Groep N.V.: Scaling Support for 38 Million+ Customers
ING Groep N.V. support activities in FY2025 were built for scale: about 60,000 employees, shared tech platforms, and centralized governance kept risk, capital, and compliance aligned. Procurement and vendor control helped ING Groep N.V. standardize software, payments, and services across 10+ countries. That setup supports over 38 million customers with lower unit cost and faster service.
| FY2025 metric | Value |
|---|---|
| Employees | 60,000 |
| Customers | 38 million+ |
| Countries | 10+ |
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Primary Activities
Inbound Logistics
For ING Groep N.V., inbound logistics is the intake of customer deposits, onboarding data, collateral documents, and payment instructions that feed lending, deposits, and payments. In 2025, ING Groep N.V. served 40 million+ customers, so fast data capture matters at scale. KYC and AML checks screen each flow and keep retail, SME, and corporate banking compliant.
Operations
ING Groep N.V. centers Operations on underwriting, transaction processing, risk management, treasury, and account administration. Shared platforms standardize these tasks across retail, commercial, and wholesale banking, which supports faster straight-through processing and tighter control. In 2025, this setup helped ING Groep N.V. keep complex banking work aligned across business lines while reducing duplication and operational risk.
Outbound Logistics
ING Groep N.V. delivers outbound logistics mainly through mobile apps, online banking, APIs, and relationship managers, so it can serve retail and business clients at scale without a big branch footprint. In 2025, that digital model supported faster, lower-cost delivery and helped ING keep marginal distribution costs low versus branch-led banks. This setup also fits ING Groep N.V.'s broad customer base and cross-border reach.
Marketing and Sales
ING Groep N.V. uses brand marketing, digital acquisition, relationship managers, and cross-selling to reach about 40 million customers across retail, commercial, and wholesale banking. Its pitch is simple products, sharp pricing, and a digital-first experience, which helps convert low-cost online traffic into long-term, multi-product relationships. In 2025, this scale gave ING Groep N.V. a wide base for cross-sell and lower servicing costs.
Service
ING Groep N.V. keeps service mostly digital self-service, with contact centers and fraud handling for issues that need human help. In 2025, this setup helps protect retention and transaction volume by keeping account and payment service fast, available, and tightly linked.
That matters because service quality can stop churn before it starts.
ING Groep N.V.: Digital Banking, 40M+ Customers, Lower-Cost Growth
ING Groep N.V.'s primary activities in 2025 were digital product design, lending, payments, and treasury execution for 40 million+ customers. Revenue came mainly from interest income and fee income, while low branch use kept delivery costs down. Self-service apps and relationship managers supported retention and cross-sell.
| 2025 metric | Value |
|---|---|
| Customers | 40 million+ |
| Fee + interest engine | Main income base |
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Frequently Asked Questions
ING Groep N.V.'s technology and centralized risk control support its value chain most. The bank runs 3 core banking lines-retail, commercial, and wholesale-on shared digital platforms, which reduces duplication and speeds service. That structure also supports 24/7 payments, standardized compliance, and scalable servicing across millions of customer accounts.
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