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INVESTOR PRESENTATION – Ing Group

Ing Group · Mar 31, 2014 · 22 slides

Investor presentation from the Shale Experts oil & gas presentation and slide database. Every page is imaged and its text indexed for search across operators, plays, basins and time.

Slides

  1. INVESTOR PRESENTATION – Ing Group – slide 1
    Financial Ambition 2017 ING Investor Day Patrick Flynn CFO, Member Executive Board ING Group Amsterdam - 31 March 2014 www.ing.com
  2. INVESTOR PRESENTATION – Ing Group – slide 2
    We entered the final phase to become a pure Bank 2009 - 2011 2012 - 2013 2014 - 2017 Complete restructuring Return to growth reflecting improved GDP Build sustainable local Transition to CRD IV franchises Optimise balance sheet…
  3. INVESTOR PRESENTATION – Ing Group – slide 3
    Key messages ING successfully transitioned to CRD IV while strengthening returns ROE ambition of 10-13% within reach Income to increase driven by modest asset growth and NIM expansion Continued focus on operational excellence and…
  4. INVESTOR PRESENTATION – Ing Group – slide 4
    Strengthening returns 4
  5. INVESTOR PRESENTATION – Ing Group – slide 5
    ING Bank successfully transitioned to CRD IV Ambition 2015 Actual 2013 Fully-loaded common equity Tier 1 10% 10.0% Loan to Deposit…
  6. INVESTOR PRESENTATION – Ing Group – slide 6
    We improved the operational performance significantly Total balance sheet (in EUR bln) ING Banks balance sheet came down due to divestment, low -18% demand for credit and asset 961 NIM (in bps) transfers 788 +4 bps Total income…
  7. INVESTOR PRESENTATION – Ing Group – slide 7
    We have a strong profitability track record Net profit (in EUR bln) A strong profitability track record 4.5 ING Bank reported only one small loss in 4.4 3.7 history 3.6 3.1 3.0 Average annual profitability of EUR 2.8 billion over…
  8. INVESTOR PRESENTATION – Ing Group – slide 8
    Think forward 8
  9. INVESTOR PRESENTATION – Ing Group – slide 9
    ING Bank: resuming dividends to shareholders Asset growth (in %) Loan loss provisions (in bps of RWA) Capital ratio (fully-loaded post-crisis, in %) ING Bank has the ability to capture growth in selected 12% 60-85 10% 10% markets A…
  10. INVESTOR PRESENTATION – Ing Group – slide 10
    Focus on lending growth Balance sheet growth Optimising the asset side We aim to grow the Balance sheet by 3% per year CAGR 3% This is supported by new initiatives in lending which will also diversify the lending mix Growth will be…
  11. INVESTOR PRESENTATION – Ing Group – slide 11
    A more diversified lending mix to result in higher NIM Lending to be more diversified Net interest margin on major lending products 3% 2% 8% 1% 10% Other CB lending 9% 15% 15% 16% General Lending & NIM 150-155 bps 18% 19% 23%…
  12. INVESTOR PRESENTATION – Ing Group – slide 12
    ...supported by improved margins on customer deposits Customer deposits increased (in EUR bln) Deposit gathering ability is key strength of our 540 franchise 475 438 Savings margin may increase further as savings rates trend down…
  13. INVESTOR PRESENTATION – Ing Group – slide 13
    Efficiency programmes absorbed significant pressure on the cost base Operating expenses remained flat despite higher regulatory costs, pension costs and inflation (in EUR bln) 0.4 -0.4 0.1 -0.3 0.2 8.7 8.7 2011 Regulatory…
  14. INVESTOR PRESENTATION – Ing Group – slide 14
    Efficiency programmes on track; costs to stay flat for next two years Ongoing cost reduction is on track (in EUR mln) Retail Netherlands Commercial Bank initiatives Belgian transformation plan 480 181 20 315 55 160 119 122 279 138…
  15. INVESTOR PRESENTATION – Ing Group – slide 15
    Still on track for 50 - 53% cost/income ratio Cost/income ratio (in %) Income (in EUR bln) 61 60 CAGR 57 3% 50 - 53 15.3 14.3 2011 2012 2013 Indicative 2017 2011 2013 As we grew our income, we have kept expenses flat…
  16. INVESTOR PRESENTATION – Ing Group – slide 16
    ING Bank has a low risk profile Lower risk costs compared to European Lending geographically well diversified While GDP growth should improve in main banks (in bps) (in EUR bln) countries** (in %) Average 2008-2013 risk costs / net…
  17. INVESTOR PRESENTATION – Ing Group – slide 17
    Risk costs to trend down as the economic recovery progresses ING Bank over-the-cycle risk costs of 40-45 bps (underlying) 83 76 74 50 48 36 40-45 bps over the cycle 3 3 3 Loan losses (in EUR bln) 0.1 0.1 0.1 1.1 2.3 1.4 1.3 2.1…
  18. INVESTOR PRESENTATION – Ing Group – slide 18
    ROE & Dividend 18
  19. INVESTOR PRESENTATION – Ing Group – slide 19
    We are well capitalised Capital is managed prudently Common equity Tier 1 ratio is strong Fully-loaded 2.0% 1.0% 2.5% 10% 10.0% 4.5% Minimum CET 1 Capital conservation Global sifi buffer Potential systemic / CET1…
  20. INVESTOR PRESENTATION – Ing Group – slide 20
    ROE ambition of 10-13% within reach Flexibility to grow into the ROE target (based on IFRS-EU equity) 10-13% 9% 2013 Normalised risk costs Business growth NIM expansion BS Capital buffer ROE Return on Equity Ambition…
  21. INVESTOR PRESENTATION – Ing Group – slide 21
    Strong capital generation allows us to grow into a pay out ratio of 40% Since 2006, ING Bank has generated on average EUR 2.8 billion per annum of net profit Capital Translating into capital generation of approximately 90 bps per…
  22. INVESTOR PRESENTATION – Ing Group – slide 22
    ING Bank Ambition 2017 Actual 2013 Ambition 2017 Fully-loaded common equity Tier 1 10.0% 10% Balance Sheet Leverage (fully-loaded) 3.9% 4% Cost/income ratio 56.8% 50-53% Profitability Return on IFRS-EU Equity 9.0%…

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