ING Groep N.V. is a global financial institution that offers banking, insurance and asset management to approximately 60 million clients in 60 countries. The clients are individuals, families, small businesses, large corporations, institutions and governments. The Company is comprised of various businesses that increasingly serve their clients under the ING brand. It primarily offers retail and wholesale financial services. On the retail side, the strategy focuses on retail wealth accumulation and financial protection (retail banking, asset management, asset gathering, life insurance and pensions) and private banking, supported by the click-call-face (multi-product, multi-channel) distribution approach. This is a flexible mix of Internet, call centers, intermediaries and branches that enables ING to deliver unlimited access, maximum convenience, immediate and accurate execution, personal advice, tailor-made solutions and competitive rates.