ING: Ljiljana ?ortan Appointed Head of Wholesale Banking
ING has announced the appointment of Ljiljana ?ortan as the head of Wholesale Banking, effective February 24, 2026. She will succeed Andrew Bester, who will leave his position on the same day to begin the non-executive phase of his career.
Ljiljana ?ortan will assume her role as head of ING Wholesale Banking starting February 24, 2026. She replaces Andrew Bester, who had announced last October his return to the United Kingdom. Andrew Bester will step down from the Management Board Banking on February 24, 2026, after completing the transfer of Wholesale Banking operations. This appointment has been approved by the European Central Bank.
Management Changes
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From February 24, 2026, Ljiljana ?ortan will leave her position as Chief Risk Officer, which she has held since 2021. A selection process to appoint a successor is underway. Until a new Chief Risk Officer is appointed, Ljiljana will remain a member of the Executive Board. The Chief Financial Officer (CFO) of ING will temporarily take over risk management responsibilities within the Executive Board. The daily management of risk activities will be handled on an interim basis by Andrea Cesaroni, currently Head of Integrated Risk, who will report to the CFO. Andrea Cesaroni has over 25 years of experience in financial services and risk management; he joined ING in July 2022.
Another strong quarter, with continued commercial momentum, in line with our strategy to accelerate growth
Forte dynamique commerciale : croissance des prêts, progression structurelle des commissions, génération de capital solide permettant distributions additionnelles (annonce €1,6 bln dont €1,1 bln de rachats et €500 mln en cash). Résultats resilient avec NII commercial soutenu et fees en forte hausse.
Risks mentioned
Augmentation attendue des exigences réglementaires de fonds propres (CCyB, P2R, buffers sectoriels)
Impact attendu négatif d'environ €0,8 billion post tax lié à la cession prévue de l’activité en Russie
Risque macroéconomique et de marché (taux d’intérêt, change)
Risques opérationnels et réglementaires décrits dans la section 'Important legal information'
Opportunities identified
Poursuite de la croissance des commissions et des clients mobiles (objectif +1 mln mobile primary en 2025)
Repricing des dépôts et réduction des coûts de dépôt (impact 2025 estimé ~€1,1 bln pour zone euro retail)
Déploiement de capital excédentaire dans la croissance profitable et rachats d’actions
M&A sélectif basé sur critères stricts
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Investments in the stock market involve risks, including the risk of capital loss. Past performance of an asset or market is no guarantee of future results. Any investment decision should be made taking into account your personal financial situation, objectives and risk tolerance.
