{"product_id":"ing-bcg-matrix","title":"ING Groep Boston Consulting Group Matrix","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eVisual. Strategic. Downloadable.\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eING Groep’s BCG Matrix snapshot shows which banking services are driving growth and which are quietly bleeding margin—think digital payments as Stars, legacy branches as Cash Cows, and niche products that need a rethink. This preview teases the quadrant placements; the full report maps every product to its strategic role and quantifies market share and growth drivers. Buy the complete BCG Matrix for detailed, data-backed recommendations and ready-to-use Word and Excel files to act fast. Purchase now and skip the guesswork.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eS\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003etars\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Star-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital retail platform (Benelux-led)\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eING’s app-first retail engine leads Benelux markets, adding users rapidly and contributing to ING Group’s ~39 million customers reported in 2024; strong NPS and low-cost digital delivery drive market share as volumes expand. Heavy reinvestment in data, personalization and security sustains growth and efficiency. Hold share now: as the platform matures it will convert scale into substantial free cash flow.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Star-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInstant payments \u0026amp; daily banking\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eInstant payments \u0026amp; daily banking at ING is a Star: slick UX and high-frequency payments drive engagement and deposits, with ING reporting roughly 13 million active mobile users in 2024 and rising in-app transaction rates. Volumes expand as cash declines and global e-commerce tops an estimated $6.0 trillion in 2024, boosting instant-pay flows. Heavy tech spend is required but the product flywheel—speed, reliability, merchant integration—keeps customers locked in.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Star-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSME digital lending in core geographies\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eFast credit decisions and simpler onboarding win share as SMEs digitize; SMEs make up 99.8% of EU firms and 66.6% of employment (Eurostat), signaling a large addressable market. Growth exists but risk models and APIs need constant tuning to manage credit volatility. Marketing and relationship coverage still matter for retention. Invest through the cycle to cement category leadership.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Star-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eWholesale transaction services\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eWholesale transaction services scale cash management, trade and FX for blue-chip clients; cross-border reach and treasury tech form a durable moat, integration is capital- and time-intensive but creates high client stickiness, and continued platform depth expansion drives wallet share gains in 2024.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\u003c\/ul\u003e\n\u003cli\u003eFocus: cash management, trade, FX\u003c\/li\u003e\n\u003cli\u003eMoat: cross-border capabilities + treasury tech\u003c\/li\u003e\n\u003cli\u003eChallenge: costly integration\u003c\/li\u003e\n\u003cli\u003eOutcome: high stickiness, wallet-share growth (2024)\u003c\/li\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Star-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGreen financing (sustainable loans \u0026amp; bonds)\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eDemand for green loans and bonds is surging as corporates decarbonize and the EU CSRD made sustainability reporting mandatory for large firms from 2024, boosting issuance; ING’s early credibility and top-10 global arranger standing (Dealogic 2023) secure marquee mandates.\u003c\/p\u003e\n\u003cp\u003eRobust frameworks, reporting and external verification add material costs and require specialist teams, but staying ahead on evolving EU taxonomy and disclosure compounds into sustained leadership and fee pools.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eCSRD 2024: mandatory reporting for large EU firms\u003c\/li\u003e\n\u003cli\u003eING: early market entrant, top-10 arranger (Dealogic 2023)\u003c\/li\u003e\n\u003cli\u003eHigh setup costs: frameworks, verification, reporting\u003c\/li\u003e\n\u003cli\u003eTaxonomy alignment drives repeat mandates and premium fees\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Star-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eApp-first retail: \u003cstrong\u003e39m\u003c\/strong\u003e, \u003cstrong\u003e13m\u003c\/strong\u003e mobile — $6.0T e-commerce\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eING Stars: app-first retail (39m customers 2024; 13m active mobile users) and instant payments scale quickly, driving deposits and engagement as global e-commerce hits ~$6.0T (2024). SME digital lending and wholesale transaction services expand wallet share but require heavy tech and credit tuning. Green finance leadership (top-10 arranger 2023) captures rising EU sustainability issuance post-CSRD 2024.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\/2023\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eCustomers\u003c\/td\u003e\n\u003ctd\u003e39m (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eActive mobile users\u003c\/td\u003e\n\u003ctd\u003e13m (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eGlobal e-commerce\u003c\/td\u003e\n\u003ctd\u003e$6.0T (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eBCG overview of ING's units, identifying Stars, Cash Cows, Question Marks and Dogs with investment guidance.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eOne-page BCG Matrix for ING Groep pinpointing portfolio issues and prioritizing capital allocation for faster fixes.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eash Cows\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Icon-Dollar-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBenelux retail deposits franchise\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eBenelux retail deposits franchise provides a large, stable, low-cost funding base—c. €300–350bn in retail deposits (≈40% of group deposits, 2024), underpinning ING Groep’s liquidity and NIM resilience.\u003c\/p\u003e\n\u003cp\u003eMarket growth is limited but relationships are entrenched, enabling cross-sell and fee income with modest promo spend and operating efficiencies.\u003c\/p\u003e\n\u003cp\u003eOperates efficiently with low marketing intensity; management treats this cash cow as the primary margin engine to fund growth bets and investments elsewhere in the group.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Icon-Dollar-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eNetherlands mortgage book\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eNetherlands mortgage book (~€220bn in 2024) sits in a mature market with strong underwriting and predictable cash flows, delivering steady net interest margins even as origination volumes oscillate. Pricing power remains intact while NPLs stay below 0.2%, reflecting tight risk controls and capital efficiency. Focus on optimizing retention and servicing rather than heavy acquisition spend to preserve cash cow returns.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Icon-Dollar-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCore corporate lending (established clients)\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSeasoned corporate lending to established clients returns stable mid-single-digit yields, supported by an estimated corporate loan book around €200bn in 2024 and NPLs below 1%, delivering disciplined returns. Relationship depth offsets low growth while syndication and ancillary fees — roughly €0.8bn in 2024 — boost margins. Maintain strict risk discipline and mine cross-sell for fees and deposits.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Icon-Dollar-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCurrent accounts and basic fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eCurrent accounts and basic fees remain a Cash Cow for ING Groep: with a global retail base of about 38 million customers (2023), market share is high, churn is low and fee streams are stable despite muted growth as transactional usage is habitual.\u003c\/p\u003e\n\u003cp\u003eCost to serve has fallen materially through automation (estimated ~20% decline since 2019), enabling harvest efficiency; avoid feature bloat and prioritize margin protection.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eHigh share, low churn\u003c\/li\u003e\n\u003cli\u003eStable fee revenue, muted growth\u003c\/li\u003e\n\u003cli\u003eCost-to-serve down ~20%\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Icon-Dollar-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSavings and term deposits in mature markets\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eSavings and term deposits in mature markets remain cash cows for ING: rate-sensitive but sticky balances deliver dependable funding while retail deposit growth slowed to low single digits in 2024 as competition stayed rational. With tech and ops already scaled, ING can focus on repricing and pass-through to sustain net interest margins amid ECB policy rates around 4.00% in mid-2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003esticky funding\u003c\/li\u003e\n\u003cli\u003elow single-digit deposit growth 2024\u003c\/li\u003e\n\u003cli\u003eECB rate ~4.00% (mid-2024)\u003c\/li\u003e\n\u003cli\u003escale in tech\/ops\u003c\/li\u003e\n\u003cli\u003erepricing focus to sustain spreads\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Icon-Dollar-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBenelux strength: \u003cstrong\u003e€325bn\u003c\/strong\u003e deposits, \u003cstrong\u003e38m\u003c\/strong\u003e customers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eBenelux retail deposits ~€325bn (≈40% group deposits, 2024) provide low‑cost funding and NIM resilience. Netherlands mortgages ~€220bn (2024) yield stable margins; NPLs \u0026lt;0.2%. Corporate lending ~€200bn (2024) returns mid‑single digits; NPLs \u0026lt;1%. 38m retail customers (2023) drive sticky fees; cost‑to‑serve down ~20% since 2019.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eSegment\u003c\/th\u003e\n\u003cth\u003e2024 size\u003c\/th\u003e\n\u003cth\u003eNPL\u003c\/th\u003e\n\u003cth\u003eKey\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetail deposits\u003c\/td\u003e\n\u003ctd\u003e€325bn\u003c\/td\u003e\n\u003ctd\u003e—\u003c\/td\u003e\n\u003ctd\u003e≈40% deposits\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMortgages\u003c\/td\u003e\n\u003ctd\u003e€220bn\u003c\/td\u003e\n\u003ctd\u003e\u0026lt;0.2%\u003c\/td\u003e\n\u003ctd\u003estable NIM\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorporate loans\u003c\/td\u003e\n\u003ctd\u003e€200bn\u003c\/td\u003e\n\u003ctd\u003e\u0026lt;1%\u003c\/td\u003e\n\u003ctd\u003emid‑single digit yield\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003eWhat You See Is What You Get\u003c\/span\u003e\u003cbr\u003eING Groep BCG Matrix\u003c\/h2\u003e\n\u003cp\u003eThe file you're previewing on this page is the final version you'll receive after purchase. No watermarks, no demo content—just the fully formatted, ready-to-use BCG Matrix report built for strategic clarity. This preview is identical to the deliverable you'll download—crafted by strategy pros and formatted for immediate presentation, editing, or printing. Buy once, get the polished file sent straight to your inbox—no surprises.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e","brand":"PortersFiveForce","offers":[{"title":"Default Title","offer_id":56163876405625,"sku":"ing-bcg-matrix","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0914\/5276\/8633\/files\/ing-bcg-matrix.png?v=1762723160","url":"https:\/\/portersfiveforce.com\/products\/ing-bcg-matrix","provider":"Porter's Five Forces","version":"1.0","type":"link"}