Accelerating Innovation

Ignacio Juliá Vilar, Chief Innovation Officer & Head of Retail Segment

Money 20/20

Las Vegas, 24 October 2016

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Connecting opportunities

Anytime, Anywhere

Empowering people to stay a step ahead in life and in business

Clear & Easy

Empowering Keep getting better

…so we are creating an ecosystem that extends beyond banking…

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And it simply works

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Case study ING Spain…including product diversificationPersonal loans production June 15 June 16

Brokerage production June 15 June 16

Investment Products productionJune 15 June 16

Q4 Q4 Q4

14%

60%

...leading to more sales via mobile…% Mobile / Total contacts

% Mobile / Total sales

9%

Mobile contacts picking up pace…Total contacts per channel (in mln)

Mobile Other digital Assisted

28%

7% 17%

5% 7%

2013 2014 2015 FC 2016

62% 52% 42% 35%

35%45%

55%63%

Branch Call Web Mobile

CAGR +27%

142

177

212

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Re-inventing our ING platforms

We are re-inventing our platforms to become the “go to place” for all financial needs

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Ourselves … … and with the help of fintechs

Instant lending

Payments

Financial advice

Payments

Developing new ventures

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Follow us to stay a step ahead

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YouTube.com/ING

Slideshare.net/ING@ING_News LinkedIn.com/company/ING

Flickr.com/INGGroupFacebook.com/ING