ING Is Taking Measures to Offset Negative Rates, CFO Says

The video discusses the financial performance and strategies of a bank, focusing on capital buffers, dividend policies, and the impact of negative interest rates on lending and growth. It explores strategies to mitigate these impacts, such as diversifying lending and increasing fee income. The discussion also covers the bank's stance on ECB loans and liquidity management, as well as rising compliance costs and their implications.

What was the return on equity reported by the bank for Q3?

• 8.5%

• 10.3%

• 9.7%

• 12.0%

Why has the bank decided to maintain its current dividend policy?

• Because of new regulatory capital pressures

• To reduce operational costs

• To attract more investors

• Due to increased profits

How has the bank responded to the challenges posed by negative interest rates?

• By cutting operational costs

• By increasing deposit rates

• By reducing loan offerings

• By diversifying lending away from the eurozone

What is the bank's position on participating in the ECB's TLTRO program?

• They have not participated yet but may consider it opportunistically

• They are leading participants in the program

• They are actively participating

• They have rejected participation

What is the bank's top priority concerning rising compliance costs?

• To reduce staff

• To ensure improvements in compliance standards

• To increase fees

• To expand into new markets