ING Bank (Australia) Limited (traded as ING Direct) is an Australian direct bank and a wholly owned subsidiary of the multinational Dutch bank, ING Group. ING Bank (Australia) operates as a series of controlled entities: trusts and the primary bank division, ING Direct, which operates under the segments of Mortgages, Savings and Commercial Loans. Founded in 1999 as a subsidiary of ING Group, ING Direct was Australia's first direct bank and has since grown to become the largest mortgage lender outside of Australia's big four banks. ING Direct scores favourably with customer satisfaction and has the highest net promoter score of any financial institution in Australia.