Ing Groep N.v. · EURONEXT:INGA

Ing Groep — ING — Investor Presentation (July 2025)

22 slides from Ing Groep's investor presentation, Jul 1, 2025

  1. Slide 1: Instant Payments & VOP

    Instant Payments & VOP All you need to know to plan in good time 1st of July 2025 ING Wholesale Banking, Transaction Services

  2. Slide 2: Your presenters of today

    Your presenters of today Saskia van Loon Robert-Jan Otten Jeroen Hölscher Value Proposition Commercial Product Manager Head of Global Payments Services, Manager, ING SEPA, ING Capgemini 2

  3. Slide 3: Agenda

    Agenda 1. Welcome 2. The inception of SEPA 3. Experience the future with Instant Payments 4. Quest for real-time treasury 5. Verification of Payee 6. Q&A 3

  4. Slide 4: Connecting Europe through seamless payments: The inception of SEPA

    Connecting Europe through seamless payments: The inception of SEPA SEPA: Single Euro Payments Area, started in 2008 EURO Countries Non-EURO countries Goals: To achieve a true single European market, harmonization including banknotes and electronic euro transactions

  5. Slide 5: Experience the future with Instant Payments

    Experience the future with Instant Payments

  6. Slide 6: Question

    Question

  7. Slide 7: SEPA Instant Payments aims to accelerate the adoption of instant credit transfers across the EU

    SEPA Instant Payments aims to accelerate the adoption of instant credit transfers across the EU IBAN/Name check (VoP) to be implemented on initiation October 2025 Mandatory initiation and reachability for SCT Inst into Foreign currency accounts January/October 2025 Mandatory initiation and reachabil

  8. Slide 8: Instant Payments, instant progress—business at the speed of now

    Instant Payments, instant progress—business at the speed of now SEPA Credit Transfer SEPA Instant Payment Single/batch Singles and Batches Single trx only Singles and Batches Processing windows Business Day / COT 24/7 24/7 Execution time Within a business day Within 20 sec Within 10 seconds Instant

  9. Slide 9: Question

    Question

  10. Slide 10: Quest for real-time treasury

    Quest for real-time treasury Address payment and process complexities in corporate treasury

  11. Slide 11: Manual, error prone, time-consuming accounts payable processes hinder cash management efficiency

    MANUAL, ERROR PRONE, AND TIME-CONSUMING ACCOUNTS PAYABLE PROCESSES HINDER CASH MANAGEMENT EFFICIENCY Challenges in accounts payable processes AP AR (as per corporate treasurers, N=600) 62% 70% n tio on Data inaccuracies (VOP Corporate treasury processes p Dat challenge) Managing influx e ti ac ~126

  12. Slide 12: Poor multi-channel orchestration and collection inefficiency in accounts receivable

    POOR MULTI-CHANNEL ORCHESTRATION AND COLLECTION INEFFICIENCY IN ACCOUNTS RECEIVABLE LEADING TO REVENUE RECOGNITION CHALLENGES Challenges in accounts receivable processes AP AR (as per corporate treasurers, N=600) 69% Tracking and managing ageing account receivables 73% complex billing cycle es ctic

  13. Slide 13: Question

    Question

  14. Slide 14: Changing the game: Instant Payments, instant expectations

    Changing the game: Instant Payments, instant expectations It brings opportunities… … and challenges Immediate pay-off Deliver 24/7 Flexibility with Pay 24/7 reconciliation + Receive weekend payments Include weekend in of insurance services and salary payments, declarations cash management impacts cl

  15. Slide 15: Verification of Payee: Enhancing accuracy through IBAN-name checking

    Verification of Payee: Enhancing accuracy through IBAN-name checking

  16. Slide 16: Ensure your payments reach the right beneficiary account with Verification of Payee

    Ensure your payments reach the right beneficiary account with Verification of Payee VOP No Match – adjust or ignore • Regulatory requirement as from October 2025 • SEPA Instant Credit Transfer and SEPA Classic Credit Transfer Close Match – please check • VOP ensures the payee’s details match the acc

  17. Slide 17: Confidence at scale: Verification of Payee for Packages/Batches

    Confidence at scale Verification of Payee for Packages/Batches Channels in scope No Match – adjust or ignore • InsideBusiness Connect File Transfer Close Match – please check • InsideBusiness Connect for EBICS • InsideBusiness Connect for Swift Full Match – good to go • API’s • InsideBusiness Paymen

  18. Slide 18: End-to-End Impact: How Instant Payments and VOP impact the Payments Ecosystem

    End-to-End Impact: How Instant Payments and VOP impact the Payments Ecosystem END CLIENT CLIENT CONTACT CLIENT PROPOSITIONS • Instant notification • Direct billing • Payment status on • Innovation request • Improved services CORPORATE ENTERPRISE RESOURCE SYSTEM BACK OFFICES RISK MANAGEMENT • Real ti

  19. Slide 19: Questions?

    Questions?

  20. Slide 20: Thank you!

    Thank you! www.ing.com

  21. Slide 21: Slide 21

  22. Slide 22: Disclaimer

    Disclaimer This presentation prepared by ING Bank N.V. (“ING”) is intended to provide information and to serve as a basis for discussion purposes only. While reasonable care has been taken to ensure that the information contained herein is fair and reasonable as at the date hereof, ING has not indep

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