Company: INGVF
Filing Date: 2025-03-06
Form Type: 20-F
Source: 0001628280-25-010764
Chunk: 43

Company: ING GROEP NV
Filing Date: 2025-03-06
Form: 20-F
Item: Item 4
Chunk 43
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 customer focus, built on the strong foundation we laid with the previous phase of our strategy, called ‘Making the difference’. These key ingredients make us uniquely ING and ready to grow.
Growing the difference is about building scale and impact in more market segments and the economies we operate in. We want to become more relevant to our customers, so we’ll invest to expand our services, grow our customer base and deepen our customer relationships. We also continue to strive to make banking as easy and frictionless as possible. 
Our goal is to accelerate growth, increase impact and deliver value to become the best European bank for all our stakeholders. This is how we want to be valued by investors and analysts compared to our banking peers. Our businesses in Asia Pacific and the Americas are instrumental to our strategy.
Growing the difference is translated into business-specific strategies. In Retail, being the best European bank is to ‘Be First’, becoming the most loved, most impactful and most valued retail bank. For Wholesale Banking, it’s about continuing to leverage the ING difference, building on our network strength, sector expertise and sustainability leadership.
Our strategy is guided by our purpose – empowering people to stay a step ahead in life and business. This represents our belief in people’s potential. However big or small, modest or grand, we empower people and businesses to realise their own vision for a better future.
Our two overarching priorities are providing superior value for customers and aiming to put sustainability at the heart of what we do. These priorities are supported by our four ‘enablers’.

Providing superior value for customers 
Banking is a relationship just like any other, and the best relationships are those in which people feel valued, confident, empowered and in control. That’s how we want customers to feel at every step with us. Growing the difference means focusing more specifically on growing customer value, moving from more one-size-fits-all services to a more tailored approach for different customer segments. In Retail Banking, that means giving our customers the right services, at the right time, in the right way. In Wholesale Banking, we aim to provide ever more value to our clients by growing as their strategic partner and core bank. 
Putting sustainability at the heart of what we do
We have a role in society to define new ways of doing business that align with economic growth and social impact. Climate change is one of the world’s biggest challenges, threatening life on our planet, including its people, many of whom also struggle with inequality, poor financial health and a lack of basic human rights. IN