Our Activities

ING Luxembourg has a network of branches throughout the country. While all of them accept both private customers and professionals (retailers, self-employed, liberal professions), some also have private banking focus and benefit from the full support of ING Luxembourg’s Private Banking Department.

All our branches have investment and loan advisors who receive ongoing training so that they can offer their customers a sophisticated and personalised service.

The layout of ING branches is designed to meet the different needs of its customers. A “typical” branch is divided into three areas:

• A Self’Bank area, for cash withdrawals, credit transfers, balance checks and PIN changes.
• A “Services” area for day-to-day banking business.
• An “Advice” area for receiving customers in welcoming and discrete surroundings for a personalised service.

Our Self’Bank ATMs are compatible with Visa, which means that the bank is accessible around the clock.

You can also access your accounts at any time through My ING, your transactional space. Banking transactions and managing accounts have never been easier!

ING adopts a global approach to private banking by helping you to:

• Structure your assets according to your personal situation;
• Design and organize tailored investment strategies;
• Protect your financial assets and finance your real estate projects;
• Plan your succession.

To best meet your needs ING Private Banking offers a wide range of investment services (discretionary or advisory management, ESG sustainable investments, alternative investments, range of ING funds, etc.), wealth engineering services (life insurance, asset structure, support with inheritance planning, etc.) and international synergies inherent in major groups like ING.

The Diversified Corporates unit is in charge of relations with multinational companies in order to provide them with high value-added services of increased technicality and requirements. ING Wholesale Banking structures or participates in the financing of domestic or international projects, sets up centralized cash management structures and offers a full range of products enabling these multinationals to manage market risks linked to currency or interest rate evolution.

The FI - Fund & Bank and Insurance unit is in charge of financial institutions: insurance companies, brokers, asset managers, banks and other financial sector professionals. For this clientele, ING Luxembourg has become a respected financial partner over the last few years. A range of products adapted to the needs and a personalized service are offered (custody, loans, cash management, etc.).

The Real Estate Finance unit is in charge of relations with companies active in the real estate sector in Luxembourg.  Through this unit, ING participates in the financing of domestic real estate projects and offers a full range of products enabling these companies to manage market risks linked to interest rate evolution.

The FI - Financial Sponsor unit is responsible for relations with institutional counterparties such as private equity, real estate funds or international clients. Relationships are direct or through financial services companies such as corporate domiciliation or law firms. These clients benefit from a complete range of services: credit solutions, account opening in different currencies, custody solutions, foreign exchange risk hedging as well as a personalized support for their transactions.

The quality of advice and the professionalism of advisers are the assets that have enabled ING to carve out a place for itself on the Luxembourg corporate market.

In addition, ING can provide international cash management, a key treasury management aspect to clients operating internationally.

In a classic financial lease, ING Lease acquires the equipment that you wish to finance according to your instructions. We then make the same equipment available to you on a rental basis for the duration of the financial contract. At the end of the contract, you can take over ownership of the equipment by paying the purchase option.

Leasing is aimed at any company wanting to optimise its investments (professional service providers, SMEs, SMIs, financial sector companies, multinationals and so on).

• Vehicles: cars, trucks, trailers, commercial vehicles, buses;
• Industrial equipment: machine tools, presses, collators etc.;
• Civil engineering equipment: excavators, cranes;
• Materials handling equipment: elevators;
• IT equipment: servers, computers, printers;
• Office automation: photocopiers, faxes;
• Medical equipment: scanners, etc;
• Furniture and commercial facilities, etc.

Flexibility:

• you can implement early purchase under the agreement at any time;
• you can opt for non-linear lease payments that follow your cash flow.

Fixed rate:

• lease payments are determined when making the equipment available and unchanged for the entire lease term.

Deductibility of lease payments:

• lease payments are tax deductible as external expenses
• Deferred taxation: financial expenses >  amortization expenses.
  

Easier cash management:

• You have an additional source of financing to bank credit.

Investment tax break possibly maintained (art 152bis LIR).

• Financial lease with purchase option;
• Financial lease without purchase option;
• Sale and leaseback;
• Vendor lease.