What next? ING is now a bank with almost €800 billion in assets, primarily in the traditional business of raising deposits and granting loans. The retail bank, centred on Europe, accounts for around two-thirds of its income and the global commercial bank for the rest. ING operates as a branch-based universal bank in its core Benelux market and in Poland, Romania, Turkey and bits of Asia. Its still owns a big online banking operation in Australia and much of Europe, called ING Direct