ING’s approach to risk management and regulatory reporting using PRODA

About ING

As a leading European bank, ING knows what it takes to manage risk at scale and understands how critical reliable rent roll data is for both credit decisions and regulatory compliance. 

In this short video, ING shares how PRODA helps to improve data consistency, supports risk assessments, and meets evolving reporting requirements across its global real estate portfolio.

The Challenge

Fons Beekwilder: “ING is a leading European bank with over 60,000 employees serving nearly 40 million customers in over 100 countries. For banks operating globally, compliance is central to how we manage risk and allocate capital.

“Regulators, such as the European Central Bank, require highly detailed, accurate data to assess loan portfolios, tenant risk and overall market exposure.

“Without well-organized, reliable data, meeting these standards can be challenging and the cost of non-compliance is significant.”

Jesper Vugts: “Managing data across ING was a challenge, and the real estate sector was no exception. The bank receives rent rolls from borrowers in different formats, spreadsheets, PDFs and various rental admin systems.

“These files arrive in multiple languages and structures making standardization difficult. Our manual process required significant resources before the data could be used for regulatory and internal reporting.”

Fons Beekwilder: “Collecting rent roll data was only part of the challenge. Ensuring consistency across different formats and sources was just as critical.”

The Solution

Jesper Vugts: “We needed a solution to standardize rent roll data efficiently. That’s where PRODA came in. Instead of spending up to a week manually restructuring rent rolls, our team now uploads them to PRODA.

“The platform recognizes different formats, structures the data and flags anomalies before the information is used in loan monitoring and internal reporting.”

Fons Beekwilder: “Rent roll data plays a key role in tracking tenant risk, rental income and property cash flow, exactly the structured approach expected by regulators globally.”

Jesper Vugts: “Regulators rely on accurate data to calculate risk-graded assets and determine how much capital we need to hold. A bank wants to identify possible issues in the early stages and, in real estate, that means we need to monitor value and cash flow development.”

The Results

Jesper Vugts: “By improving data quality with PRODA, we ensure risk calculations are as precise as possible, helping us optimize capital allocation and meet regulatory expectations globally.”

Fons Beekwilder: “With standardized, high-quality data, ING can monitor loan performance more effectively, engage with clients on data-driven insights and maintain a strong compliance framework.

“What was once a resource-intensive process is now dramatically more efficient. PRODA has given us the confidence that our reporting meets global regulatory standards while enhancing our risk management.”

See PRODA in action

If you’d like to see what PRODA could do for your business, try it out for free.