Lars Kramer

ING Vysya Bank Ltd. provides banking and financial services, including commercial banking and treasury operations. It offers personal banking, business banking and private banking services. The bank operates through three segments: Treasury, Retail Banking and Wholesale Banking. The Treasury segment includes net interest earnings on investments of the bank in sovereign bonds, corporate debt, mutual funds etc, income from trading, income from derivative, foreign exchange operations and the central funding unit. The Retail Banking segment constitutes the business with individuals and small businesses through branch network and other delivery channels like ATM, Internet banking etc. It raises deposits from customers, makes loans and provides fee based services to such customer. The Wholesale Banking segment provides loans and transaction services to large corporate, emerging corporate companies and other institutional customers. The company was founded on March 29, 1930 and is headquartered in Bangalore, India.

Part of ING Groep NV, ING Direct NV is a Dutch company that provides direct banking and financing services. The private company is based in Amsterdam, Netherlands.