ING Groep N.V. (ING) is a financial services company active in banking, investments, life and nonlife insurance and retirement services. The Company's segments include: Retail Netherlands, Retail Belgium, Retail Germany and Retail Rest of World, which offer current and savings accounts, business lending, mortgages and other consumer lending, and Commercial Banking, which offers wholesale banking (a full range of products from cash management to corporate finance), real estate and lease. The Company provides a range of products and services to support its customers' needs. The Company offers retail banking services to individuals, SMEs (small and medium sized enterprises) and mid-corporates in Europe, Asia and Australia. The Company operates Qustomer SPRL as a wholly owned subsidiary.