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ing ing group finance banking results ing investor day ing groep financial innovation investor relations quarterly results digital banking ralph hamers ceo ing group financial services economics sustainability fintech survey thinkforward business quarterly presentation economy savings mortgages international survey analyst mobile banking research ceo report social media analyst presentation kwartaalcijfers circular economy mobile homes ing insurance investment study economie personal finance customer experience money investors infographic impact social media think forward commercial banking jan hommen 2012 investor day steven van rijswijk resultaten business results financieel journalist media relations goldman sachs conference goldman sachs koos timmermans digital strategy sustainable development innovatie digital bank fintech opportunities blockchain transformation full year results customers consumer spending wholesale banking strategy news dissemination journalism pr professionals news football money management bitcoin debt ezonomics retail banking morgan stanley william connelly van rijswijk digital transformation net result customer service bankieren fintech ecosystem ecosystem agile engineering household consumer economics interest rates household income house prices banking industry bank of america merril lynch full year review christmas baml communication cash 2014 eurasia public relations merrill lynch european financials conference hans van der noordaa hamers green bonds market analysis home software development software customer housing house holds sustainable sustainable finance full year low interests rates fintech infrastructure index yolt 3q16 digital platforms helicopter money developers cio it scrum startup startups aris bogdaneris opportunity euro2016 uefa 1q16 quarter money2020 culture welfare poverty underlying net profit 4q15 europe wealth income crisis consumer behaviour financial behaviour risk management risk gifts xmas publish first impact on news sming15 rent ing investor airbnb technology apple pay #sming14 iis international business and trade fact-checking impact pr newswire influence sming14 journalists sport worldcup2014 world cup wk fifa worldcup empowerment global markets cee net profit managing money consumers germany technology industry head retail banking benelux future of banking media 3q2013 q3 decision making cfo ing insurance eurasia digital money empower digital age next generation future bankers conference reputation management bank of america annual banking & insurance ceo conference bank of the future 1q2022 quarter results cto coo retail fernandez wb phutrakul ambitions aml kyc corona jaarresultaten 2q2020 covid 19 pact java mobile marketing poseidon principles banking of things internet of things ing international survey tech retirement home improvement financial management cryptocurrency developer web development web design and development api online business subscription disrupt pace events analytics advanced analytics bankers engineers ron van kemenade 2018 market research annual results home business ers ralph ha 2q17 electric vehicles tesla cars car industry google amazon ecosystems platforms platformification uber psd2 platformisation platform apps consumer isabel fernandez wcef2017 robo-advice online internet head of fintech 1q17 analysts esn #intrateam17 way of working product owner community intranet london model bank citi ignacio juliá vilar spain almudena román dominguez 4q16 investing low-interest pricing policies negative interest rates scroogenomics holiday season presents asia sustainable forum responsible business forum environment singapore negatieve rente centrale bank lage rente rente hypotheekrente banken prijsbeleid twyp trends customer interactions accelerating abtg16 microfinance #abtg16 a billion to gain enterprise msmes 2q16 2q mobile devices information technology #does16 devops dbc16 transactions dutch blockchain conference r3 partnerships icec noah16 noahconference change assets capital goods industry service model access noreena hertz generation k generation cuponomics profit #money2020europe inequality unqual crisis the unequal crisis ing snapshot snapshot earnings media presentation fy15 capital ratios $ing lending eurozone households qe cro wilfred nagel riskmanagement flood risk climate change freshwater water deposit rates banks online shopping celebration spending shopping 3q15 bofaml industry lending house market blablacar sharing economy trust egmont philips ecs15 new delhi india duurzaamheid csr corporate responsibility ceremony civil partnership life events wedding customer experienc payments ebaday transaction services customer behaviour digital banking revolution conference digital revolution mobile payments google wallet cashless sme think gorward 4q14 secrets european money secrets money secrets reliability of social media futurologist fingerprint touch id touchid biometric resolutions 2015 new year 3q14 houseprices optimism commercial bank benelux conference bill connelly children pocket money 2q14 solutions for a common future international trade trade trade mission poland social media marketing act now financials fifa worldcup cup-o-nomics fifa world cup connected close connections economic growth central europe university of groningen russia commonwealth of independent states cis gross domestic product gdp western europe employment eastern europe financiële keuzes onderzoek geld financiële doelstellingen financiële besluitvorming consumenten sparen financiële dromen financial dreams control financial decision making #hm14 hannover messe industrial fair head of ing germany ceo ing-diba brunon bartkiewicz balance sheet management patrick flynn cfo ing group financial emergency noordaa reinventing banking ibf irish banking federation 2013 schools education financial education ipo investor lard friese delfin rueda dorothee van vredenburch 2q2013 q2 curious litte leo ing benelux conference european financial conference restructering plan european union eu capital management boa ing bank bernstein strategic conference hans van der noorda bernstein adaptation regulatory environment barclays global financials conference barclays conference barclays environmental and social risk framework 2011 capital funding balance sheet liquidity basel iii ing investor day 2012