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On Sunday, the 19th of October 2008 ING Group and the Dutch government have agreed on a 10 billion Euro cash investment. This investment is part of the commitments made by governments worldwide to get more involved in banks as a precaution. The investment is to increase the capital strength beyond normal requirements of ING Group in these extraordinary times. ING Bank has maintained its strong Standard & Poor’s credit rating which is the same as the big 4 Australian banks. ING DIRECT is an Australian bank, with an Australian banking license, regulated by APRA.