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CIVB vs ING

Civista Bancshares, Inc. and ING Groep N.V. American Depositary Shares

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Civista Bancshares, Inc.

Civista Bancshares, Inc. operates as the financial holding company for Civista Bank that provides community banking services in the United States. The company offers personal and commercial checking accounts; retirement, money market, time, and savings accounts; safe deposit boxes; wire transfers; automated teller services; internet banking; ACH origination; telephone banking; and mobile/digital banking services, as well as remote deposit capture banking services for retail and business customers. It also provides time deposits that consist of certificates of deposit, including those held in IRA accounts and reciprocal deposits. Its loan portfolio includes commercial and agriculture; commercial real estate " owner and non-owner occupied; residential and farm real estate; real estate construction; lease financing receivable; consumer; and other loans, as well as home equity line of credit. In addition, the company holds and manages securities portfolio; leases general equipment; and provides captive insurance products. It operates in North Central, West Central, South Western Ohio, South Eastern Indiana, and Northern Kentucky. The company was formerly known as First Citizens Banc Corp and changed its name to Civista Bancshares, Inc. in May 2015. Civista Bancshares, Inc. was founded in 1884 and is headquartered in Sandusky, Ohio.

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ING Groep N.V. American Depositary Shares

ING Groep N.V. provides various banking products and services in the Netherlands, Belgium, Germany, rest of Europe, and internationally. The company operates through five segments: Retail Netherlands, Retail Belgium, Retail Germany, Retail Other, and Wholesale Banking. It accepts current and savings accounts, as well as time deposits. The company also offers business lending products; SME loans; consumer lending products, such as residential mortgage loans and other consumer lending loans; and mortgages. In addition, it provides working capital solutions; debt and equity market solutions; various loans; payments; and cash management, trade and corporate finance, and treasury services, as well as savings, investment, insurance, and digital banking services. The company serves individual customers, corporate clients, and financial institutions. ING Groep N.V. was founded in 1762 and is headquartered in Amsterdam, the Netherlands.

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