ING Groep is a Dutch hybrid of banking, insuring, and asset-managing services. One of the world's largest banking and financial services companies, its operations are focused on its home Benelux market, as well as the rest of Europe; it also has operations in the Americas and Asia. Its banking operations include commercial and retail banking, mortgage lending, and online retail banking (ING Direct). Key insurance products include life insurance, pensions, and retirement services. ING provides asset management for individuals and institutions through both its insurance and banking units. The firm sold off insurance operations, as well as some banking and investment businesses, to repay government bailout loans.