This is our first report on Benelux banking behemoth, ING Groep N.V. The bank achieved satisfactory results in the fourth quarter despite the difficult climate and managed an all-around beat. ING's financial results demonstrate that growing NII momentum is a tailwind for the bank, while fee income has shown to be quite durable. Despite the indexation-related inflationary pressure in some areas and ongoing investments to implement its plan, costs remained controlled. Moreover, mortgage lending to ....