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• “A” rated bank in BBB rated banking market
• Strong and experienced team with in-depth product and market expertise
• Dedicated FI Coverage for the SEE region (incl. Croatia, Serbia, Macedonia, Albania, Montenegro, Bosnia)

ING has been an integral part of the banking industry in the CEE since the late 1980s and was among the first international banks to establish operations in Bulgaria in 1994. Since then we have steadily built up a strong base of corporate and institutional clients by maintaining a consistent commitment to the country, our business model and our clients.

We offer a full range of corporate banking services including financing, financial markets and treasury products, electronic banking and payments, and cash management. As part of our client focus, we can tailor solutions to fit the business needs of our clients. A single point of contact gives access to a vast network of sector experts and product specialists.

ING has strong market expertise in key sectors:

• technology, media, telecommunications and healthcare
• energy
• commodities, food and agriculture
• transportation and logistics

We offer lending solutions for working capital, capex and acquisition financing as well as facilities in support of cash management. We provide a wide range of high quality products and services in our transactional service business adapted to our specific clients’ requirements.

ING in Bulgaria is one of the largest players on the local foreign exchange and money market for corporate clients and financial institutions. ING has developed one of the most secured, flexible and easy-to-use online payment system for our clients. We are recognised as one of the best in class online payment systems locally.

We strive to deliver a differentiated customer experience to our clients by offering comprehensive solutions which allow for smooth execution of all banking operations, and reduce operational costs and risks. We believe banking should not be difficult or time consuming and since less is more, we believe in clear products, plain language, fair prices and simple processes. We make banking possible anytime, anywhere.

Life and business is about moving forward. We will keep looking for new ways to make things better. New ideas. New solutions. New ways to make things easier for our clients, so we can both stay a step ahead!

We implement ING’s strong values and culture locally. They are the foundation of our behaviour and define who we are.

• We are honest
• We are prudent
• We are responsible

We respect each other and our clients. Our values are non-negotiable. They are described in the Orange Code, which is applied by the whole ING family and each one of its members.

We believe that sustainable business is better business.

We are ambitious in our desire to become the most preferred banking partner in supporting our clients’ sustainability projects and endeavours. ING’s focus in Bulgaria is to facilitate and finance society’s shift to sustainability and contribute to progress - environmental, social and economic.

We are proud to be the first bank in Bulgaria to extend a green loan to a corporate client, a leader in their industry.

We believe that investment in the local society is not only our responsibility, but also essential to long-term business success.

In 2015 we launched our biggest and most important programme in this direction – our Social Innovation Fund (SIF). Since then, we have supported social entrepreneurship financially, as well as with mentorship, which is voluntarily provided by our employees. More than 20% of ING Sofia’s team is actively involved in the project’s activity, either by mentoring or by being a management board member.