ING Groep N.V. Logo

ING Groep N.V.

INGA.SW

(2.5)
Stock Price

11,28 CHF

0.71% ROA

14.07% ROE

5.31x PER

Market Cap.

0,00 CHF

303.58% DER

6.14% Yield

32.24% NPM

ING Groep N.V. Stock Analysis

ING Groep N.V. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

ING Groep N.V. Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.89x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Assets Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

3 Dividend

Investors can trust the company's impressive dividend track record, consistently distributing dividends over the past five years, showcasing a strong commitment to rewarding shareholders.

4 ROE

The stock's ROE falls within an average range (11.42%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (0.57%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

6 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

7 Buffet Intrinsic Value

The company's stock seems undervalued (58) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

8 DER

The company has a high debt to equity ratio (268%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

9 Revenue Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

10 Net Profit Growth

Despite the passage of five years, this company's net profit has not shown any improvement, highlighting a lack of growth and making it a less appealing investment prospect.

11 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

ING Groep N.V. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

ING Groep N.V. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Buy
4 Stoch RSI Buy

ING Groep N.V. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

ING Groep N.V. Revenue
Year Revenue Growth
1997 26.566.427.979
1998 37.289.038.716 28.76%
1999 45.301.917.150 17.69%
2000 57.987.869.880 21.88%
2001 73.298.038.470 20.89%
2002 75.581.956.640 3.02%
2003 67.849.863.500 -11.4%
2004 67.335.430.400 -0.76%
2005 70.117.412.570 3.97%
2006 72.919.000.000 3.84%
2007 75.651.000.000 3.61%
2008 66.822.000.000 -13.21%
2009 45.774.000.000 -45.98%
2010 53.170.000.000 13.91%
2011 53.939.000.000 1.43%
2012 40.131.000.000 -34.41%
2013 27.928.000.000 -43.69%
2014 14.899.000.000 -87.45%
2015 16.351.000.000 8.88%
2016 17.386.000.000 5.95%
2017 17.616.000.000 1.31%
2018 18.158.000.000 2.98%
2019 18.307.000.000 0.81%
2020 17.819.000.000 -2.74%
2021 18.285.000.000 2.55%
2022 29.000.000 -62951.72%
2023 22.900.000.000 99.87%
2023 22.405.000.000 -2.21%
2024 22.332.000.000 -0.33%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

ING Groep N.V. Research and Development Expenses
Year Research and Development Expenses Growth
1997 0
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

ING Groep N.V. General and Administrative Expenses
Year General and Administrative Expenses Growth
1997 3.433.178.385
1998 4.929.227.460 30.35%
1999 5.788.826.750 14.85%
2000 6.747.257.380 14.2%
2001 7.810.050.590 13.61%
2002 7.558.958.040 -3.32%
2003 7.416.240.200 -1.92%
2004 7.738.263.200 4.16%
2005 7.640.161.190 -1.28%
2006 58.405.000.000 86.92%
2007 59.453.000.000 1.76%
2008 60.565.000.000 1.84%
2009 40.384.000.000 -49.97%
2010 42.507.000.000 4.99%
2011 42.716.000.000 0.49%
2012 31.383.000.000 -36.11%
2013 16.383.000.000 -91.56%
2014 7.113.000.000 -130.32%
2015 6.343.000.000 -12.14%
2016 6.359.000.000 0.25%
2017 5.789.000.000 -9.85%
2018 5.984.000.000 3.26%
2019 6.080.000.000 1.58%
2020 6.137.000.000 0.93%
2021 6.222.000.000 1.37%
2022 6.850.000.000 9.17%
2023 0 0%
2023 7.334.000.000 100%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

ING Groep N.V. EBITDA
Year EBITDA Growth
1997 10.125.444.420
1998 17.310.447.522 41.51%
1999 20.041.762.930 13.63%
2000 33.779.941.240 40.67%
2001 25.893.762.490 -30.46%
2002 7.877.250.020 -228.72%
2003 7.269.344.650 -8.36%
2004 9.247.556.480 21.39%
2005 50.211.960.010 81.58%
2006 60.875.000.000 17.52%
2007 79.931.000.000 23.84%
2008 86.011.000.000 7.07%
2009 67.113.000.000 -28.16%
2010 60.511.000.000 -10.91%
2011 58.463.000.000 -3.5%
2012 52.733.000.000 -10.87%
2013 46.509.000.000 -13.38%
2014 38.373.000.000 -21.2%
2015 40.041.000.000 4.17%
2016 37.746.000.000 -6.08%
2017 37.950.000.000 0.54%
2018 21.102.000.000 -79.84%
2019 7.525.000.000 -180.43%
2020 4.561.000.000 -64.99%
2021 7.487.000.000 39.08%
2022 5.399.000.000 -38.67%
2023 11.892.000.000 54.6%
2023 10.931.000.000 -8.79%
2024 8.924.000.000 -22.49%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

ING Groep N.V. Gross Profit
Year Gross Profit Growth
1997 26.566.427.979
1998 37.289.038.716 28.76%
1999 45.301.917.150 17.69%
2000 57.987.869.880 21.88%
2001 73.298.038.470 20.89%
2002 75.581.956.640 3.02%
2003 67.849.863.500 -11.4%
2004 67.335.430.400 -0.76%
2005 70.117.412.570 3.97%
2006 72.919.000.000 3.84%
2007 75.651.000.000 3.61%
2008 66.822.000.000 -13.21%
2009 45.774.000.000 -45.98%
2010 53.170.000.000 13.91%
2011 53.939.000.000 1.43%
2012 40.131.000.000 -34.41%
2013 27.928.000.000 -43.69%
2014 14.899.000.000 -87.45%
2015 16.351.000.000 8.88%
2016 17.386.000.000 5.95%
2017 17.616.000.000 1.31%
2018 18.158.000.000 2.98%
2019 18.307.000.000 0.81%
2020 17.819.000.000 -2.74%
2021 18.285.000.000 2.55%
2022 29.000.000 -62951.72%
2023 22.900.000.000 99.87%
2023 22.405.000.000 -2.21%
2024 22.332.000.000 -0.33%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

ING Groep N.V. Net Profit
Year Net Profit Growth
1997 1.841.998.158
1998 2.654.160.048 30.6%
1999 4.936.154.930 46.23%
2000 12.017.720.380 58.93%
2001 4.584.428.890 -162.14%
2002 4.503.736.220 -1.79%
2003 4.036.054.490 -11.59%
2004 5.963.405.120 32.32%
2005 7.509.293.140 20.59%
2006 7.692.000.000 2.38%
2007 9.241.000.000 16.76%
2008 -729.000.000 1367.63%
2009 -1.423.000.000 48.77%
2010 2.777.000.000 151.24%
2011 4.740.000.000 41.41%
2012 3.259.000.000 -45.44%
2013 4.577.000.000 28.8%
2014 963.000.000 -375.29%
2015 4.010.000.000 75.99%
2016 4.651.000.000 13.78%
2017 4.905.000.000 5.18%
2018 4.703.000.000 -4.3%
2019 4.781.000.000 1.63%
2020 2.485.000.000 -92.39%
2021 4.776.000.000 47.97%
2022 3.674.000.000 -29.99%
2023 8.620.000.000 57.38%
2023 7.287.000.000 -18.29%
2024 6.312.000.000 -15.45%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

ING Groep N.V. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1997 1
1998 1 0%
1999 3 50%
2000 6 66.67%
2001 2 -200%
2002 2 0%
2003 2 0%
2004 3 0%
2005 3 33.33%
2006 4 0%
2007 4 25%
2008 0 0%
2009 -1 0%
2010 1 0%
2011 1 100%
2012 1 0%
2013 1 100%
2014 0 0%
2015 1 100%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 100%
2022 1 0%
2023 2 100%
2023 1 -100%
2024 2 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

ING Groep N.V. Free Cashflow
Year Free Cashflow Growth
1997 6.619.175.199
1999 18.069.089.780 63.37%
2000 -14.952.143.820 220.85%
2001 14.312.993.850 204.47%
2002 39.257.599.150 63.54%
2003 53.486.654.830 26.6%
2004 69.707.809.280 23.27%
2005 32.028.055.540 -117.65%
2006 9.182.000.000 -248.81%
2007 11.133.000.000 17.52%
2008 12.115.000.000 8.11%
2009 -28.040.000.000 143.21%
2010 -5.302.000.000 -428.86%
2011 8.688.000.000 161.03%
2012 -9.683.000.000 189.72%
2013 -8.806.000.000 -9.96%
2014 11.644.000.000 175.63%
2015 10.224.000.000 -13.89%
2016 8.202.000.000 -24.65%
2017 -5.517.000.000 248.67%
2018 6.629.000.000 183.23%
2019 12.700.000.000 47.8%
2020 102.892.000.000 87.66%
2021 -15.127.000.000 780.19%
2022 -11.343.000.000 -33.36%
2023 -11.586.000.000 2.1%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

ING Groep N.V. Operating Cashflow
Year Operating Cashflow Growth
1997 6.619.175.199
1999 23.654.189.580 72.02%
2000 -3.514.706.740 773.01%
2001 23.464.992.980 114.98%
2002 39.257.599.150 40.23%
2003 60.073.927.710 34.65%
2004 76.026.038.480 20.98%
2005 33.722.585.710 -125.45%
2006 9.750.000.000 -245.87%
2007 11.708.000.000 16.72%
2008 12.823.000.000 8.7%
2009 -27.400.000.000 146.8%
2010 -4.775.000.000 -473.82%
2011 9.187.000.000 151.98%
2012 -9.260.000.000 199.21%
2013 -8.418.000.000 -10%
2014 12.019.000.000 170.04%
2015 10.577.000.000 -13.63%
2016 8.553.000.000 -23.66%
2017 -5.253.000.000 262.82%
2018 6.915.000.000 175.97%
2019 13.055.000.000 47.03%
2020 103.179.000.000 87.35%
2021 -14.943.000.000 790.48%
2022 -11.112.000.000 -34.48%
2023 -11.340.000.000 2.01%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

ING Groep N.V. Capital Expenditure
Year Capital Expenditure Growth
1997 0
1999 5.585.099.800 100%
2000 11.437.437.080 51.17%
2001 9.151.999.130 -24.97%
2002 0 0%
2003 6.587.272.880 100%
2004 6.318.229.200 -4.26%
2005 1.694.530.170 -272.86%
2006 568.000.000 -198.33%
2007 575.000.000 1.22%
2008 708.000.000 18.79%
2009 640.000.000 -10.63%
2010 527.000.000 -21.44%
2011 499.000.000 -5.61%
2012 423.000.000 -17.97%
2013 388.000.000 -9.02%
2014 375.000.000 -3.47%
2015 353.000.000 -6.23%
2016 351.000.000 -0.57%
2017 264.000.000 -32.95%
2018 286.000.000 7.69%
2019 355.000.000 19.44%
2020 287.000.000 -23.69%
2021 184.000.000 -55.98%
2022 231.000.000 20.35%
2023 246.000.000 6.1%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

ING Groep N.V. Equity
Year Equity Growth
1997 20.879.251.848
1998 29.531.538.036 29.3%
1999 36.131.223.030 18.27%
2000 29.061.013.560 -24.33%
2001 25.561.085.130 -13.69%
2002 20.418.335.220 -25.19%
2003 23.073.717.770 11.51%
2004 27.128.919.680 14.95%
2005 38.396.685.870 29.35%
2006 38.266.000.000 -0.34%
2007 37.208.000.000 -2.84%
2008 17.334.000.000 -114.65%
2009 31.121.000.000 44.3%
2010 38.370.000.000 18.89%
2011 42.452.000.000 9.62%
2012 49.511.000.000 14.26%
2013 42.440.000.000 -16.66%
2014 46.634.000.000 8.99%
2015 47.832.000.000 2.5%
2016 49.793.000.000 3.94%
2017 50.406.000.000 1.22%
2018 50.932.000.000 1.03%
2019 54.663.000.000 6.83%
2020 48.696.000.000 -12.25%
2021 54.656.000.000 10.9%
2022 50.411.000.000 -8.42%
2023 52.184.000.000 3.4%
2023 51.463.000.000 -1.4%
2024 54.130.000.000 4.93%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

ING Groep N.V. Assets
Year Assets Growth
1997 278.392.357.971
1998 392.703.477.048 29.11%
1999 494.260.462.710 20.55%
2000 651.974.373.680 24.19%
2001 706.347.089.430 7.7%
2002 715.056.274.650 1.22%
2003 775.684.730.880 7.82%
2004 863.351.164.800 10.15%
2005 1.157.759.243.190 25.43%
2006 1.223.358.000.000 5.36%
2007 1.310.187.000.000 6.63%
2008 1.320.069.000.000 0.75%
2009 1.154.057.000.000 -14.39%
2010 1.237.115.000.000 6.71%
2011 1.269.803.000.000 2.57%
2012 1.158.797.000.000 -9.58%
2013 1.069.189.000.000 -8.38%
2014 979.659.000.000 -9.14%
2015 841.131.000.000 -16.47%
2016 844.475.000.000 0.4%
2017 845.501.000.000 0.12%
2018 886.227.000.000 4.6%
2019 891.744.000.000 0.62%
2020 937.379.000.000 4.87%
2021 951.290.000.000 1.46%
2022 967.817.000.000 1.71%
2023 975.583.000.000 0.8%
2023 1.029.181.000.000 5.21%
2024 1.029.859.000.000 0.07%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

ING Groep N.V. Liabilities
Year Liabilities Growth
1997 257.513.106.123
1998 363.171.939.012 29.09%
1999 458.129.239.680 20.73%
2000 622.913.360.120 26.45%
2001 680.786.004.300 8.5%
2002 694.637.939.430 1.99%
2003 752.611.013.110 7.7%
2004 836.222.245.120 10%
2005 1.119.362.557.320 25.29%
2006 1.185.092.000.000 5.55%
2007 1.272.979.000.000 6.9%
2008 1.302.735.000.000 2.28%
2009 1.122.936.000.000 -16.01%
2010 1.198.745.000.000 6.32%
2011 1.227.351.000.000 2.33%
2012 1.109.286.000.000 -10.64%
2013 1.026.749.000.000 -8.04%
2014 933.025.000.000 -10.05%
2015 793.299.000.000 -17.61%
2016 794.682.000.000 0.17%
2017 795.095.000.000 0.05%
2018 835.295.000.000 4.81%
2019 135.820.000.000 -515%
2020 79.553.000.000 -70.73%
2021 116.636.000.000 31.79%
2022 917.406.000.000 87.29%
2023 150.198.000.000 -510.8%
2023 136.110.000.000 -10.35%
2024 161.270.000.000 15.6%

ING Groep N.V. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
7
Net Income per Share
2.26
Price to Earning Ratio
5.31x
Price To Sales Ratio
0x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
0.73
EV to Sales
2.8
EV Over EBITDA
6.2
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.19
FreeCashFlow Yield
0
Market Cap
0,00 Bil.
Enterprise Value
63,16 Bil.
Graham Number
28.94
Graham NetNet
-5.72

Income Statement Metrics

Net Income per Share
2.26
Income Quality
0
ROE
0.14
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.7
EBT Per Ebit
1.03
Ebit per Revenue
0.45
Effective Tax Rate
0.28

Margins

Sales, General, & Administrative to Revenue
0.45
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.45
Pretax Profit Margin
0.46
Net Profit Margin
0.32

Dividends

Dividend Yield
0.06
Dividend Yield %
6.14
Payout Ratio
0
Dividend Per Share
0.74

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.03
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
44,34
Book Value per Share
16,49
Tangible Book Value per Share
269.25
Shareholders Equity per Share
16.49
Interest Debt per Share
50.06
Debt to Equity
3.04
Debt to Assets
0.16
Net Debt to EBITDA
6.2
Current Ratio
0
Tangible Asset Value
867,38 Bil.
Net Current Asset Value
-18,43 Bil.
Invested Capital
3.04
Working Capital
142,84 Bil.
Intangibles to Total Assets
0
Average Receivables
0,42 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

ING Groep N.V. Dividends
Year Dividends Growth
2001 0
2002 1 0%
2003 1 0%
2004 1 0%
2005 1 100%
2006 1 0%
2007 1 0%
2008 2 0%
2015 0 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 0 0%
2021 1 0%
2022 1 0%
2023 1 0%
2024 1 0%

ING Groep N.V. Profile

About ING Groep N.V.

ING Groep N.V., a financial institution, provides various banking products and services in the Netherlands, Belgium, Germany, Poland, Rest of Europe, North America, Latin America, Asia, and Australia. It operates in six segments: Retail Netherlands, Retail Belgium, Retail Germany, Retail Other, Wholesale Banking, and Corporate Line Banking. The company accepts various deposits, such as current and savings accounts; and offers business lending products, as well as consumer lending products, such as residential mortgage loans, term loans, and revolver and personal loans. It also provides debt capital market, working capital, export finance, daily banking, treasury and risk, and corporate finance solutions; and specialized lending, equity market, finance, payments and cash management, and trade services and solutions, as well as savings, investment, insurance, mortgage, and digital banking services. The company serves customers, corporate clients, and financial institutions, including small and medium-sized, and mid-corporates. ING Groep N.V. was founded in 1762 and is headquartered in Amsterdam, the Netherlands.

CEO
Mr. Steven J. A. van Rijswijk
Employee
60.000
Address
Bijlmerdreef 106
Amsterdam, 1102 CT

ING Groep N.V. Executives & BODs

ING Groep N.V. Executives & BODs
# Name Age
1 Mr. Marnix van Stiphout
Chief Technology Officer, Chief Operating Officer, Chief Transformation Officer & Member of Management Board Banking
70
2 Mr. Erwin H. M. Olijslager
Principal Accounting Officer
70
3 Mr. Han-Tsung Ho
Executive Director
70
4 Ms. Pinar Abay
Head of Retail, Market Leaders, Challengers & Growth Markets and Member of Management Board Banking
70
5 Mr. Andrew John Milton Bester
Head of Wholesale Banking & Management Board Banking
70
6 Rob Van Veldhuizen
Head of Corporate Finance Benelux
70
7 Mr. Sjoerd Miltenburg
Head of Investor Relations
70
8 Ms. Vroukje Van Oosten Slingeland
General Counsel & MD
70
9 Mr. Steven J. A. van Rijswijk
Chief Executive Officer and Chairman of the Executive Board & Management Board Banking
70
10 Mr. Tanate Phutrakul
Chief Financial Officer and Member of the Executive Board & Management Board Banking
70

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