ING 4QFY2019 in 90 seconds by CEO Ralph Hamers

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Hi everyone. I'm sharing ING's quarterly numbers from our brand new building Cedar. Cedar is designed for the highest sustainability rating and supports our agile way of working. With 2019 as the second hottest year on record it's ever more clear that climate action is needed.

The biggest impact ING can make is through its finance and in the past quarter we supported 13 sustainability improvement loans, 3 green loans, and 12 sustainable bonds. Our commitment to sustainable finance in 2019 resulted in more than twice the amount of deals compared to 2018 supporting investments in renewable energy, clean transportation, and green buildings. That commitment has been recognised by CDP, the leading environmental disclosure platform, named ING as a climate action leader for the fifth year running.

While we help to future-proof our corporate clients we keep on delivering a differentiating digital experience to our 38.8 million Retail customers. Our global protection platform in partnership with AXA has now launched personalised home insurance for our mobile app users in Italy. And we held our first global Customer Experience day where nearly 6,000 of our colleagues in 13 countries worked intensively on new improvements to our easy, smart and personal services. The result was more than 750 improvements from better accessibility to better communication and to new biometric and privacy features. Of course, we don't spend only one day on improving our customer experience. We work every day to get a little bit better. And that's how we help you to ‘do your thing’.