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ING Group — 2Q2026 ING historical trend data (PDF 0.4 MB) (company IR deck)
ING Group (ING) · 39 slides · Filed Oct 21, 2026
Every slide of this earnings presentation, with the text as published. Open the original deck ↗ · All ING deck slides
Slide 1 — ING Historical Trend Data 2Q2026 Introduction
ING Historical Trend Data 2Q2026 Introduction General comments • • • • • • • Product segmentation Wholesale Banking Product Group Sub products • Lending Project and Asset-Based Finance General Lending • Daily Banking & Trade Finance Payments & Cash Management Global Cash Pooling Securities Services Working Capital Solutions Trade & Commodity Finance Trade Finance Services • Financial Markets Hedging and investment solutions for corporate and institutional clients • Treasury & Other Treasury (Wholesale Banking part) Corporate Finance Corporate Investments General Leasing Run-off and other All figures are unaudited. The Historical Trend Data document includes quarterly financial trend data and details of restatements. The Historical Trend Data document is published on a quarterly basis. In this document consolidated results of ING Group are based on IFRS as adopted by the European Union (IFRS-EU). Hyperinflation accounting (IAS 29) became applicable for ING’s subsidiary in Türkiye in 2022. Allocation keys are used to calculate segmental information; e.g. Retail vs. Wholesale Banking and product information. These allocation keys might be refined over time. Small differences are possible due to rounding. As of 2026, following a change in governance structure, the Retail Luxembourg run-off portfolio is recorded as part of Corporate Line. Previously this portfolio was recorded as part of Retail Belgium. Historical numbers have not been adjusted. Unaudited ING Group Historical Trend Data 2Q2026
Slide 2 — Table of Contents
Table of Contents 1. Profit or loss 2. Balance sheet and other 3. Customer lending/deposits 1.1 Profit or loss: Comparable quarters 2.1 Consolidated balance sheet: Total assets - 3.1 Customer lending/deposits: 2Q2026 Segment split 1.2 Profit or loss: 2Q2026 Segment split Comparable quarters 3.2 Customer lending/deposits: Quarterly overview 1.3 Profit or loss: Quarterly overview 2.2 Consolidated balance sheet: Total assets - 3.3 Customer lending/deposits: Retail Banking 1.4 Profit or loss: Retail Banking Quarterly overview 3.4 Customer lending/deposits: Retail Netherlands 1.5 Profit or loss: Retail Netherlands 2.3 Consolidated balance sheet: Total liabilities and equity - 3.5 Customer lending/deposits: Retail Belgium 1.6 Profit or loss: Retail Belgium Comparable quarters 3.6 Customer lending/deposits: Retail Germany 1.7 Profit or loss: Retail Germany 2.4 Consolidated balance sheet: Total liabilities and equity - 3.7 Customer lending/deposits: Retail Other 1.8 Profit or loss: Retail Other Quarterly overview 3.8 Customer lending/deposits: Wholesale Banking 1.9 Profit or loss: Wholesale Banking 2.5 Total equity: Comparable quarters 3.9 Customer lending/deposits: Wholesale Banking - Lending 1.10 Wholesale Banking income over average risk-weighted assets 2.6 Total equity: Quarterly overview 3.10 Customer lending/deposits: Wholesale Banking - 1.11 Profit or loss: Corporate Line 2.7 Capital position Daily Banking & Trade Finance 1.12 Alternative income breakdown 2.8 Funding 3.11 Customer lending/deposits: Wholesale Banking - 1.13 Geographical split: 2Q2026 2.9 Investments: ING Group Financial Markets 1.14 Geographical split: 6M2026 3.12 Customer lending/deposits: Wholesale Banking - Treasury & Other 3.13 Customer lending/deposits: Corporate Line Unaudited ING Group Historical Trend Data 2Q2026
Slide 3 — ING 1.1 Profit or loss: Comparable quarters
ING 1.1 Profit or loss: Comparable quarters Profit or loss ING Group of which: Retail Banking of which: Wholesale Banking of which: Corporate Line In € million 2Q2026 2Q2025 1Q2026 2Q2026 2Q2025 1) 1Q2026 2Q2026 2Q2025 1Q2026 2Q2026 2Q2025 1) 1Q2026 Profit or loss Commercial net interest income 4,174 3,772 4,060 3,118 2,808 3,021 1,055 964 1,038 - - - Other net interest income -47 -236 -5 52 -42 69 -175 -296 -150 76 102 76 Net interest income 4,126 3,536 4,055 3,170 2,766 3,091 880 668 888 76 102 76 Net fee and commission income 1,278 1,122 1,236 880 762 862 401 360 372 -3 -0 2 Investment income 54 21 7 26 6 4 3 3 3 26 12 0 Other income 825 1,023 526 293 298 83 595 662 473 -63 63 -29 Total income 6,284 5,702 5,823 4,369 3,832 4,039 1,879 1,694 1,735 36 177 48 Expenses excl. regulatory costs 3,008 2,956 2,896 1,949 1,854 1,871 911 980 906 148 122 119 Regulatory costs2) 78 78 324 57 66 274 21 12 49 0 -0 1 Operating expenses 3,086 3,034 3,219 2,006 1,921 2,145 932 991 955 148 122 120 Gross result 3,198 2,668 2,604 2,364 1,911 1,895 947 702 781 -112 55 -72 Addition to loan loss provisions 279 299 346 131 210 275 142 89 62 6 0 9 Result before tax 2,919 2,369 2,258 2,233 1,701 1,620 804 614 719 -118 55 -81 Taxation 902 633 652 663 468 476 208 126 199 30 38 -23 Non-controlling interests 71 62 50 59 55 43 11 7 7 - - - Net result3) 1,947 1,675 1,556 1,510 1,178 1,101 585 480 513 -148 17 -58 Key figures Net interest margin 1.44% 1.31% 1.46% Commercial net interest margin 2.26% 2.23% 2.26% Cost/income ratio 49.1% 53.2% 55.3% 45.9% 50.1% 53.1% 49.6% 58.5% 55.0% n.a. n.a. n.a. Risk costs in bps of average customer lending 15 17 19 10 17 21 27 19 12 n.a. n.a. n.a. Return on tangible equity (ROTE)4) 17.0% 14.3% 13.6% Return on equity based on 13.0% CET1 5) 18.1% 15.9% 14.4% 27.0% 22.4% 20.1% 12.5% 10.1% 10.7% -25.7% 2.8% -9.8% Risk-weighted assets (end of period) 341,946 335,804 344,303 181,086 169,466 176,605 143,883 148,467 149,182 16,977 17,871 18,516 Employees (internal FTEs, end of period) 62,234 62,999 62,311 44,613 45,606 44,764 17,398 17,380 17,335 223 13 213 Four-quarter rolling average key figures Net interest margin 1.42% 1.37% 1.38% Commercial net interest margin 2.24% 2.28% 2.23% Cost/income ratio 53.2% 55.1% 54.3% 50.8% 53.1% 52.0% 53.3% 55.4% 55.6% n.a. n.a. n.a. Return on tangible equity (ROTE)4) 14.5% 13.0% 13.9% Return on equity based on 13.0% CET1 5) 15.8% 14.8% 15.2% 22.9% 22.0% 21.7% 10.8% 9.5% 10.2% -13.4% -7.0% -6.2% 1) As of 2026, following a change in governance structure, the Luxembourg run-off portfolio is recorded as part of Corporate Line. Previously this portfolio was recorded as part of Retail Belgium. Historical numbers have not been adjusted. 2) Regulatory costs comprise bank taxes and contributions to the deposit guarantee schemes (‘DGS’) and resolution funds. 3) Net result reflects the net result attributable to shareholders of the parent. 4) Annualised net result divided by average IFRS-EU shareholders' equity excluding reserved profit not included in CET1 capital and intangible assets. 5) Annualised after-tax return divided by average equity based on 13.0% of risk-weighted assets. Unaudited ING Group Historical Trend Data 2Q2026
Slide 4 — ING 1.2 Profit or loss: 2Q2026 Segment split
ING 1.2 Profit or loss: 2Q2026 Segment split Profit or loss 2Q2026 Retail Retail Retail Retail Retail Wholesale Corporate In € million Total Banking Netherlands Belgium Germany Other Banking Line Commercial net interest income 4,174 3,118 1,063 450 594 1,012 1,055 - Other net interest income -47 52 -83 25 25 86 -175 76 Net interest income 4,126 3,170 979 475 618 1,098 880 76 Net fee and commission income 1,278 880 300 196 150 234 401 -3 Investment income 40 16 0 3 1 12 -3 26 Realised gains and fair value changes on investments 15 9 1 -2 3 7 5 0 Total investment income 54 26 1 2 3 19 3 26 Valuation result and net trading income 709 205 127 44 26 9 586 -83 Other income 117 88 33 22 3 30 9 20 Total other income 825 293 160 66 29 39 595 -63 Total income 6,284 4,369 1,441 738 801 1,389 1,879 36 Expenses excl. regulatory costs 3,008 1,949 492 370 356 730 911 148 Regulatory costs1) 78 57 0 -5 2 59 21 0 Operating expenses 3,086 2,006 492 366 358 789 932 148 Gross result 3,198 2,364 949 372 443 600 947 -112 Addition to loan loss provisions 279 131 1 43 32 54 142 6 Result before tax 2,919 2,233 947 330 410 545 804 -118 Taxation 902 663 247 90 132 194 208 30 Non-controlling interests 71 59 - 0 0 59 11 - Net result2) 1,947 1,510 700 239 278 293 585 -148 Key figures Net interest margin 1.44% Commercial net interest margin 2.26% Cost/income ratio 49.1% 45.9% 34.1% 49.6% 44.8% 56.8% 49.6% n.a. Risk costs in bps of average customer lending 15 10 0 18 11 16 27 n.a. Return on tangible equity (ROTE)3) 17.0% Return on equity based on 13.0% CET1 4) 18.1% 27.0% 38.2% 20.5% 28.5% 19.1% 12.5% -25.7% Risk-weighted assets (end of period) 341,946 181,086 57,177 36,531 30,327 57,050 143,883 16,977 Employees (internal FTEs, end of period) 62,234 44,613 12,602 6,972 6,363 18,676 17,398 223 Four-quarter rolling average key figures Net interest margin 1.42% Commercial net interest margin 2.24% Cost/income ratio 53.2% 50.8% 39.4% 64.4% 44.5% 58.8% 53.3% n.a. Return on tangible equity (ROTE)3) 14.5% Return on equity based on 13.0% CET1 4) 15.8% 22.9% 32.3% 12.3% 27.9% 17.8% 10.8% -13.4% 1) Regulatory costs comprise bank taxes and contributions to the deposit guarantee schemes (‘DGS’) and resolution funds. 2) Net result reflects the net result attributable to shareholders of the parent. 3) Annualised net result divided by average IFRS-EU shareholders' equity excluding reserved profit not included in CET1 capital and intangible assets. 4) Annualised after-tax return divided by average equity based on 13.0% of risk-weighted assets. Unaudited ING Group Historical Trend Data 2Q2026
Slide 5 — ING 1.3 Profit or loss: Quarterly overview
ING 1.3 Profit or loss: Quarterly overview Profit or loss In € million 4Q2026 3Q2026 2Q2026 1Q2026 4Q2025 3Q2025 2Q2025 1Q2025 6M2026 6M2025 Commercial net interest income 4,174 4,060 3,928 3,823 3,772 3,794 8,233 7,566 Other net interest income1) -47 -5 -110 -118 -236 -172 -52 -407 Net interest income 4,126 4,055 3,818 3,705 3,536 3,622 8,181 7,159 Net fee and commission income 1,278 1,236 1,221 1,165 1,122 1,094 2,514 2,216 Investment income 40 2 3 60 35 21 41 56 Realised gains and fair value changes on investments 15 5 13 5 -14 6 20 -8 Total investment income 54 7 15 66 21 27 61 48 Valuation result and net trading income 709 479 697 885 955 885 1,188 1,839 Other income 117 47 47 77 69 9 163 77 Total other income 825 526 744 962 1,023 893 1,351 1,917 Total income 6,284 5,823 5,797 5,898 5,702 5,637 12,107 11,339 Staff expenses 1,944 1,921 1,935 1,916 1,888 1,861 3,865 3,749 Regulatory costs2) 78 324 361 67 78 361 402 439 Other expenses 1,064 974 1,042 1,030 1,068 978 2,038 2,046 Operating expenses 3,086 3,219 3,337 3,012 3,034 3,200 6,305 6,234 Gross result 3,198 2,604 2,460 2,886 2,668 2,437 5,802 5,105 Addition to loan loss provisions 279 346 365 326 299 313 625 612 Result before tax 2,919 2,258 2,095 2,560 2,369 2,124 5,177 4,493 Taxation 902 652 606 703 633 604 1,554 1,237 Non-controlling interests 71 50 78 70 62 65 120 127 Net result3) 1,947 1,556 1,411 1,787 1,675 1,455 3,503 3,130 Key figures Net interest margin 1.44% 1.46% 1.40% 1.37% 1.31% 1.36% 1.45% 1.33% Commercial net interest margin 2.26% 2.26% 2.23% 2.22% 2.23% 2.26% 2.26% 2.24% Cost/income ratio 49.1% 55.3% 57.6% 51.1% 53.2% 56.8% 52.1% 55.0% Risk costs in bps of average customer lending 15 19 20 19 17 18 17 18 Return on tangible equity (ROTE)4) 17.0% 13.6% 12.2% 15.4% 14.3% 12.3% 15.3% 13.3% Return on equity based on 13.0% CET1 5) 18.1% 14.4% 13.5% 17.0% 15.9% 13.9% 16.3% 14.9% Risk-weighted assets (end of period) 341,946 344,303 340,739 336,196 335,804 337,219 341,946 335,804 Employees (internal FTEs, end of period) 62,234 62,311 62,485 63,025 62,999 62,683 62,234 62,999 Four-quarter rolling average key figures Net interest margin 1.42% 1.38% 1.36% 1.36% 1.37% 1.41% Commercial net interest margin 2.24% 2.23% 2.23% 2.24% 2.28% 2.33% Cost/income ratio 53.2% 54.3% 54.6% 55.6% 55.1% 54.2% Return on tangible equity (ROTE)4) 14.5% 13.9% 13.6% 12.9% 13.0% 13.2% Return on equity based on 13.0% CET1 5) 15.8% 15.2% 15.1% 14.6% 14.8% 15.2% 1) 4Q2025 included €-18m for incentives to attract new customers (Retail Germany). 2) Regulatory costs comprise bank taxes and contributions to the deposit guarantee schemes (‘DGS’) and resolution funds. 3) Net result reflects the net result attributable to shareholders of the parent. 4) Annualised net result divided by average IFRS-EU shareholders' equity excluding reserved profit not included in CET1 capital and intangible assets. 5) Annualised after-tax return divided by average equity based on 13.0% of risk-weighted assets. Unaudited ING Group Historical Trend Data 2Q2026
Slide 6 — ING 1.4 Profit or loss: Retail Banking
ING 1.4 Profit or loss: Retail Banking Profit or loss Retail Banking1) In € million 4Q2026 3Q2026 2Q2026 1Q2026 4Q2025 3Q2025 2Q2025 1Q2025 6M2026 6M2025 Commercial net interest income 3,118 3,021 2,913 2,839 2,808 2,787 6,140 5,595 Other net interest income2) 52 69 7 -47 -42 -16 121 -58 Net interest income 3,170 3,091 2,920 2,792 2,766 2,772 6,261 5,538 Net fee and commission income 880 862 863 783 762 760 1,742 1,522 Investment income 16 -2 2 1 3 0 14 3 Realised gains and fair value changes on investments 9 6 11 4 3 5 15 8 Total investment income 26 4 13 5 6 6 29 12 Valuation result and net trading income 205 44 222 236 263 233 250 496 Other income 88 38 21 64 35 21 126 56 Total other income 293 83 243 299 298 253 376 551 Total income 4,369 4,039 4,039 3,880 3,832 3,791 8,409 7,623 Expenses excl. regulatory costs 1,949 1,871 1,950 1,932 1,854 1,851 3,820 3,705 Regulatory costs 57 274 210 49 66 322 331 388 Operating expenses 2,006 2,145 2,160 1,981 1,921 2,173 4,151 4,093 Gross result 2,364 1,895 1,879 1,899 1,911 1,619 4,258 3,530 Addition to loan loss provisions 131 275 177 192 210 175 405 385 Result before tax 2,233 1,620 1,702 1,707 1,701 1,444 3,853 3,145 Taxation 663 476 466 465 468 381 1,139 849 Non-controlling interests 59 43 63 56 55 53 102 107 Net result 1,510 1,101 1,173 1,185 1,178 1,010 2,612 2,188 Key figures Cost/income ratio 45.9% 53.1% 53.5% 51.1% 50.1% 57.3% 49.4% 53.7% Risk costs in bps of average customer lending 10 21 14 15 17 14 15 15 Return on equity based on 13.0% CET1 3) 27.0% 20.1% 22.1% 22.5% 22.4% 19.6% 23.6% 21.0% Risk-weighted assets (end of period) 181,086 176,605 174,398 170,294 169,466 168,680 181,086 169,466 Employees (internal FTEs, end of period) 44,613 44,764 45,003 45,519 45,606 45,325 44,613 45,606 Four-quarter rolling average key figures Cost/income ratio 50.8% 52.0% 53.0% 53.9% 53.1% 53.2% Return on equity based on 13.0% CET1 3) 22.9% 21.7% 21.7% 20.9% 22.0% 22.8% 1) As of 2026, following a change in governance structure, the Luxembourg run-off portfolio is recorded as part of Corporate Line. Previously this portfolio was recorded as part of Retail Belgium. Historical numbers have not been adjusted. 2) 4Q2025 included €-18m for incentives to attract new customers (Retail Germany). 3) Annualised after-tax return divided by average equity based on 13.0% of risk-weighted assets. Unaudited ING Group Historical Trend Data 2Q2026
Slide 7 — ING 1.5 Profit or loss: Retail Netherlands
ING 1.5 Profit or loss: Retail Netherlands Profit or loss Retail Netherlands In € million 4Q2026 3Q2026 2Q2026 1Q2026 4Q2025 3Q2025 2Q2025 1Q2025 6M2026 6M2025 Commercial net interest income 1,063 1,000 959 926 921 881 2,062 1,803 Other net interest income -83 -61 -109 -169 -152 -143 -144 -295 Net interest income 979 939 850 757 769 739 1,919 1,508 Net fee and commission income 300 293 297 291 283 257 593 540 Investment income 0 0 -0 1 0 0 1 1 Realised gains and fair value changes on investments 1 4 1 3 2 2 5 4 Total investment income 1 5 1 3 2 2 6 4 Valuation result and net trading income 127 63 134 173 204 178 189 383 Other income 33 19 5 7 4 12 52 16 Total other income 160 81 139 180 209 190 241 399 Total income 1,441 1,319 1,286 1,231 1,263 1,188 2,759 2,451 Expenses excl. regulatory costs 492 481 527 514 498 483 973 981 Regulatory costs 0 - 67 0 - - 0 - Operating expenses 492 481 594 514 498 483 973 981 Gross result 949 838 692 717 765 705 1,786 1,470 Addition to loan loss provisions 1 38 18 16 51 21 39 72 Result before tax 947 800 674 701 714 683 1,747 1,398 Taxation 247 208 179 185 199 170 455 369 Non-controlling interests - - - - - - - - Net result 700 592 495 516 515 513 1,293 1,029 Key figures Cost/income ratio 34.1% 36.5% 46.2% 41.7% 39.4% 40.7% 35.3% 40.0% Risk costs in bps of average customer lending 0 8 4 4 12 5 4 9 Return on equity based on 13.0% CET1 1) 38.2% 33.1% 28.2% 29.7% 29.9% 30.0% 35.7% 29.9% Risk-weighted assets (end of period) 57,177 55,699 54,527 53,681 53,349 52,865 57,177 53,349 Employees (internal FTEs, end of period) 12,602 12,647 12,709 12,852 13,087 13,118 12,602 13,087 Four-quarter rolling average key figures Cost/income ratio 39.4% 40.9% 42.0% 42.6% 42.2% 42.8% Return on equity based on 13.0% CET1 1) 32.3% 30.2% 29.4% 28.9% 29.7% 30.5% 1) Annualised after-tax return divided by average equity based on 13.0% of risk-weighted assets. Unaudited ING Group Historical Trend Data 2Q2026
Slide 8 — ING 1.6 Profit or loss: Retail Belgium
ING 1.6 Profit or loss: Retail Belgium Profit or loss Retail Belgium1) In € million 4Q2026 3Q2026 2Q2026 1Q2026 4Q2025 3Q2025 2Q2025 1Q2025 6M2026 6M2025 Commercial net interest income 450 451 445 417 415 416 901 831 Other net interest income 25 14 23 16 29 26 39 55 Net interest income 475 465 467 432 443 442 940 886 Net fee and commission income 196 189 177 176 163 176 385 339 Investment income 3 -3 2 0 0 -0 1 -0 Realised gains and fair value changes on investments -2 0 1 0 -0 0 -1 0 Total investment income 2 -2 3 1 -0 0 -1 0 Valuation result and net trading income 44 20 41 29 13 35 64 48 Other income 22 5 4 47 22 2 27 25 Total other income 66 25 44 77 36 37 90 73 Total income 738 676 692 685 643 655 1,414 1,298 Expenses excl. regulatory costs 370 367 422 426 382 386 738 769 Regulatory costs -5 182 34 -0 0 226 177 226 Operating expenses 366 549 457 426 382 613 915 995 Gross result 372 127 235 259 260 42 499 302 Addition to loan loss provisions 43 88 41 36 36 40 131 76 Result before tax 330 38 194 224 224 2 368 226 Taxation 90 10 53 62 57 5 101 62 Non-controlling interests 0 0 0 0 0 0 0 0 Net result 239 28 140 162 167 -3 267 164 Key figures Cost/income ratio 49.6% 81.3% 66.0% 62.1% 59.5% 93.6% 64.7% 76.7% Risk costs in bps of average customer lending 18 36 16 14 15 16 27 15 Return on equity based on 13.0% CET1 2) 20.5% 2.4% 12.1% 14.0% 14.4% -0.3% 11.5% 7.0% Risk-weighted assets (end of period) 36,531 35,130 36,166 35,484 35,745 35,777 36,531 35,745 Employees (internal FTEs, end of period) 6,972 7,190 7,404 7,558 7,446 7,334 6,972 7,446 Four-quarter rolling average key figures Cost/income ratio 64.4% 67.3% 70.2% 71.4% 69.0% 67.5% Return on equity based on 13.0% CET1 2) 12.3% 10.7% 10.0% 9.4% 11.1% 12.3% 1) Including ING Luxembourg. As of 2026, following a change in governance structure, the Luxembourg run-off portfolio is recorded as part of Corporate Line. Previously this portfolio was recorded as part of Retail Belgium. Historical numbers have not been adjusted. 2) Annualised after-tax return divided by average equity based on 13.0% of risk-weighted assets. Unaudited ING Group Historical Trend Data 2Q2026
Slide 9 — ING 1.7 Profit or loss: Retail Germany
ING 1.7 Profit or loss: Retail Germany Profit or loss Retail Germany In € million 4Q2026 3Q2026 2Q2026 1Q2026 4Q2025 3Q2025 2Q2025 1Q2025 6M2026 6M2025 Commercial net interest income 594 583 570 585 545 569 1,177 1,115 Other net interest income1) 25 43 24 62 47 53 68 100 Net interest income 618 627 594 648 592 622 1,245 1,215 Net fee and commission income 150 157 210 135 139 147 307 287 Investment income 1 -0 0 0 1 0 1 1 Realised gains and fair value changes on investments 3 2 0 - -0 2 5 2 Total investment income 3 2 1 0 0 2 5 3 Valuation result and net trading income 26 -51 4 -32 -35 -48 -25 -84 Other income 3 2 4 3 2 2 5 4 Total other income 29 -49 8 -29 -34 -46 -20 -80 Total income 801 737 812 754 699 726 1,538 1,425 Expenses excl. regulatory costs 356 346 328 347 318 337 703 655 Regulatory costs 2 -5 18 -11 13 12 -3 25 Operating expenses 358 341 346 336 331 350 700 680 Gross result 443 396 466 418 368 377 838 745 Addition to loan loss provisions 32 46 31 62 42 35 78 77 Result before tax 410 350 435 355 325 342 760 667 Taxation 132 112 141 115 113 103 244 216 Non-controlling interests 0 0 1 1 0 0 1 1 Net result 278 237 293 240 212 238 516 450 Key figures Cost/income ratio 44.8% 46.3% 42.6% 44.6% 47.4% 48.1% 45.5% 47.8% Risk costs in bps of average customer lending 11 16 11 22 15 13 13 14 Return on equity based on 13.0% CET1 2) 28.5% 25.0% 31.8% 26.5% 23.4% 26.7% 26.8% 25.0% Risk-weighted assets (end of period) 30,327 29,851 28,730 28,130 27,678 28,288 30,327 27,678 Employees (internal FTEs, end of period) 6,363 6,389 6,393 6,336 6,209 6,117 6,363 6,209 Four-quarter rolling average key figures Cost/income ratio 44.5% 45.1% 45.6% 48.2% 47.8% 46.2% Return on equity based on 13.0% CET1 2) 27.9% 26.7% 27.1% 24.5% 24.7% 27.6% 1) 4Q2025 included €-18m for incentives to attract new customers. 2) Annualised after-tax return divided by average equity based on 13.0% of risk-weighted assets. Unaudited ING Group Historical Trend Data 2Q2026
Slide 10 — ING 1.8 Profit or loss: Retail Other
ING 1.8 Profit or loss: Retail Other Profit or loss Retail Other1) In € million 4Q2026 3Q2026 2Q2026 1Q2026 4Q2025 3Q2025 2Q2025 1Q2025 6M2026 6M2025 Commercial net interest income 1,012 987 940 911 927 920 1,999 1,847 Other net interest income 86 72 68 44 34 48 158 82 Net interest income 1,098 1,060 1,008 955 961 968 2,157 1,929 Net fee and commission income 234 223 180 181 176 180 457 356 Investment income 12 0 0 0 2 - 12 2 Realised gains and fair value changes on investments 7 -0 8 1 2 1 7 2 Total investment income 19 -0 9 1 4 1 19 5 Valuation result and net trading income 9 13 43 65 81 68 22 148 Other income 30 13 9 7 6 5 42 11 Total other income 39 25 53 72 87 73 64 160 Total income 1,389 1,308 1,249 1,210 1,227 1,222 2,697 2,449 Expenses excl. regulatory costs 730 676 673 645 656 644 1,406 1,300 Regulatory costs 59 97 91 60 53 83 157 136 Operating expenses 789 773 764 705 709 727 1,563 1,436 Gross result 600 535 485 505 518 495 1,134 1,013 Addition to loan loss provisions 54 103 86 78 81 78 158 159 Result before tax 545 431 399 427 437 417 977 854 Taxation 194 146 93 103 99 102 340 202 Non-controlling interests 59 42 63 56 54 52 101 106 Net result 293 243 244 268 284 262 536 546 Key figures Cost/income ratio 56.8% 59.1% 61.2% 58.3% 57.8% 59.5% 57.9% 58.6% Risk costs in bps of average customer lending 16 32 27 25 27 26 24 27 Return on equity based on 13.0% CET1 2) 19.1% 15.8% 17.5% 18.8% 19.9% 19.1% 17.5% 19.5% Risk-weighted assets (end of period) 57,050 55,924 54,975 53,000 52,695 51,750 57,050 52,695 Employees (internal FTEs, end of period) 18,676 18,537 18,496 18,773 18,864 18,756 18,676 18,864 Four-quarter rolling average key figures Cost/income ratio 58.8% 59.1% 59.2% 59.5% 58.7% 59.9% Return on equity based on 13.0% CET1 2) 17.8% 18.0% 18.8% 18.8% 20.1% 19.6% 1) Includes: Spain, Italy, Australia, Poland, Romania, Türkiye and other. 2) Annualised after-tax return divided by average equity based on 13.0% of risk-weighted assets. Unaudited ING Group Historical Trend Data 2Q2026
Slide 11 — ING 1.9 Profit or loss: Wholesale Banking
ING 1.9 Profit or loss: Wholesale Banking Profit or loss Wholesale Banking In € million 4Q2026 3Q2026 2Q2026 1Q2026 4Q2025 3Q2025 2Q2025 1Q2025 6M2026 6M2025 Commercial net interest income 1,055 1,038 1,014 984 964 1,007 2,093 1,971 Other net interest income -175 -150 -192 -220 -296 -263 -325 -559 Net interest income 880 888 822 763 668 744 1,768 1,412 Net fee and commission income 401 372 354 383 360 336 772 696 Investment income -3 4 0 0 1 0 1 1 Realised gains and fair value changes on investments 5 -1 2 1 2 1 4 3 Total investment income 3 3 2 1 3 2 6 4 Valuation result and net trading income 586 468 571 659 645 696 1,054 1,340 Other income 9 4 -3 4 18 -18 13 -0 Total other income 595 473 569 663 662 678 1,068 1,340 Total income 1,879 1,735 1,747 1,810 1,694 1,758 3,614 3,452 Expenses excl. regulatory costs 911 906 883 884 980 871 1,817 1,850 Regulatory costs 21 49 151 18 12 39 70 51 Operating expenses 932 955 1,034 902 991 910 1,886 1,901 Gross result 947 781 714 908 702 848 1,728 1,551 Addition to loan loss provisions 142 62 188 134 89 138 204 227 Result before tax 804 719 526 774 614 710 1,523 1,324 Taxation 208 199 130 202 126 216 407 342 Non-controlling interests 11 7 15 14 7 12 18 19 Net result 585 513 381 559 480 482 1,097 962 Key figures Cost/income ratio 49.6% 55.0% 59.1% 49.8% 58.5% 51.8% 52.2% 55.1% Income over average risk-weighted assets (in bps) 1) 513 466 469 486 454 466 489 460 Risk costs in bps of average customer lending 27 12 38 28 19 29 20 24 Return on equity based on 13.0% CET1 2) 12.5% 10.7% 8.2% 11.8% 10.1% 10.1% 11.6% 10.1% Risk-weighted assets (end of period) 143,883 149,182 148,560 149,257 148,467 149,676 143,883 148,467 Employees (internal FTEs, end of period) 17,398 17,335 17,453 17,488 17,380 17,287 17,398 17,380 Value at Risk trading positions (average) 10.7 10.4 13.2 14.7 13.9 14.0 Four-quarter rolling average key figures Cost/income ratio 53.3% 55.6% 54.7% 55.5% 55.4% 51.9% Return on equity based on 13.0% CET1 2) 10.8% 10.2% 10.0% 9.7% 9.5% 10.1% 1) Annualised total income divided by average risk-weighted assets. 2) Annualised after-tax return divided by average equity based on 13.0% of risk-weighted assets. Unaudited ING Group Historical Trend Data 2Q2026
Slide 12 — ING 1.10 Wholesale Banking income over average risk-weighted assets
ING 1.10 Wholesale Banking income over average risk-weighted assets Profit or loss Wholesale Banking income by product In € million 4Q2026 3Q2026 2Q2026 1Q2026 4Q2025 3Q2025 2Q2025 1Q2025 6M2026 6M2025 WB Lending Total income 860 818 837 884 780 785 1,678 1,565 Income over average risk-weighted assets (in bps) 1) 368 346 350 374 334 323 357 328 Risk-weighted assets (end of period) 92,688 94,143 94,930 96,640 92,665 94,194 92,688 92,665 WB Daily Banking & Trade Finance Total income 503 487 481 449 463 495 990 958 Income over average risk-weighted assets (in bps) 1) 1,131 1,064 1,108 1,069 1,091 1,233 1,097 1,160 Risk-weighted assets (end of period) 17,372 18,180 18,477 16,222 17,368 16,578 17,372 17,368 WB Financial Markets Total income 418 370 334 391 371 415 789 787 Income over average risk-weighted assets (in bps) 1) 599 514 468 522 476 551 556 513 Risk-weighted assets (end of period) 26,364 29,520 28,096 29,068 30,979 31,374 26,364 30,979 WB Treasury & Other Total income 97 60 95 86 79 64 157 142 Income over average risk-weighted assets (in bps) 1) 524 333 528 464 421 339 430 380 Risk-weighted assets (end of period) 7,459 7,339 7,058 7,327 7,454 7,529 7,459 7,454 Total Wholesale Banking Total income 1,879 1,735 1,747 1,810 1,694 1,758 3,614 3,452 Income over average risk-weighted assets (in bps) 1) 513 466 469 486 454 466 489 460 Risk-weighted assets (end of period) 143,883 149,182 148,560 149,257 148,467 149,676 143,883 148,467 1) Annualised total income divided by average risk-weighted assets. Unaudited ING Group Historical Trend Data 2Q2026
Slide 13 — ING 1.11 Profit or loss: Corporate Line
ING 1.11 Profit or loss: Corporate Line Profit or loss Corporate Line1) In € million 4Q2026 3Q2026 2Q2026 1Q2026 4Q2025 3Q2025 2Q2025 1Q2025 6M2026 6M2025 Commercial net interest income - - - - - - - - Other net interest income 76 76 76 149 102 107 152 209 Net interest income 76 76 76 149 102 107 152 209 Net fee and commission income -3 2 3 -0 -0 -2 -1 -2 Investment income 26 0 0 59 31 20 26 51 Realised gains and fair value changes on investments 0 -0 -0 0 -19 -0 -0 -19 Total investment income 26 0 0 59 12 20 26 32 Valuation result and net trading income -83 -33 -97 -9 47 -44 -116 3 Other income 20 4 29 10 16 6 23 22 Total other income -63 -29 -68 0 63 -38 -93 25 Total income 36 48 11 208 177 88 84 265 Expenses excl. regulatory costs 148 119 143 129 122 117 267 240 Regulatory costs 0 1 0 0 -0 0 1 -0 Operating expenses 148 120 143 129 122 117 268 239 Gross result -112 -72 -133 79 55 -30 -184 25 Addition to loan loss provisions 6 9 0 0 0 0 15 0 Result before tax -118 -81 -133 78 55 -30 -199 25 Taxation 30 -23 11 36 38 7 8 45 Non-controlling interests - - - - - - - - Net result -148 -58 -143 43 17 -37 -206 -21 Key figures Risk-weighted assets (end of period) 16,977 18,516 17,781 16,644 17,871 18,863 16,977 17,871 Employees (internal FTEs, end of period) 223 213 30 18 13 70 223 13 1) As of 2026, following a change in governance structure, the Luxembourg run-off portfolio is recorded as part of Corporate Line. Previously this portfolio was recorded as part of Retail Belgium. Historical numbers have not been adjusted. Corporate Line - Financial stakes2) In € million 4Q2026 3Q2026 2Q2026 1Q2026 4Q2025 3Q2025 2Q2025 1Q2025 6M2026 6M2025 Result before tax 59 26 26 106 91 28 85 119 Risk-weighted assets (end of period) 8,672 9,534 9,426 9,117 10,139 9,327 8,672 10,139 2) Financial stakes contains ING's stake in TMBThanachart Bank (TTB), Bank of Beijing and Van Lanschot Kempen. Market value3) - Financial stakes In € million 30 Jun 2026 TMBThanachart Bank (TTB) (19.5%) 1,107 Bank of Beijing (13.0%) 1,741 Van Lanschot Kempen (20.3%) 580 Total valuation 3,429 3) Value of ING's stake, based on Bloomberg end of quarter data and FX rates. For ING's 19.5% interest in TMBThanachart Bank (TTB), the pending cancellation of shares under the share buyback programme has been taken into consideration. Unaudited ING Group Historical Trend Data 2Q2026
Slide 14 — ING 1.12 Alternative income breakdown
ING 1.12 Alternative income breakdown Profit or loss Alternative income breakdown In € million 4Q2026 3Q2026 2Q2026 1Q2026 4Q2025 3Q2025 2Q2025 1Q2025 6M2026 6M2025 Retail Netherlands Commercial net interest income 1,063 1,000 959 926 921 881 2,062 1,803 Net fee and commission income 300 293 297 291 283 257 593 540 All other income 78 26 31 15 59 49 104 108 Total income Retail Netherlands 1,441 1,319 1,286 1,231 1,263 1,188 2,759 2,451 Retail Belgium1) Commercial net interest income 450 451 445 417 415 416 901 831 Net fee and commission income 196 189 177 176 163 176 385 339 All other income 92 36 70 93 65 63 129 127 Total income Retail Belgium1) 738 676 692 685 643 655 1,414 1,298 Retail Germany Commercial net interest income 594 583 570 585 545 569 1,177 1,115 Net fee and commission income 150 157 210 135 139 147 307 287 All other income 57 -4 32 33 14 10 54 23 Total income Retail Germany 801 737 812 754 699 726 1,538 1,425 Retail Other Commercial net interest income 1,012 987 940 911 927 920 1,999 1,847 Net fee and commission income 234 223 180 181 176 180 457 356 All other income 144 97 130 118 125 122 241 247 Total income Retail Other 1,389 1,308 1,249 1,210 1,227 1,222 2,697 2,449 Retail Banking1) Commercial net interest income 3,118 3,021 2,913 2,839 2,808 2,787 6,140 5,595 Net fee and commission income 880 862 863 783 762 760 1,742 1,522 All other income 371 156 262 258 262 243 527 506 Total income Retail Banking1) 4,369 4,039 4,039 3,880 3,832 3,791 8,409 7,623 WB Lending Commercial net interest income 717 706 691 675 649 664 1,424 1,313 Net fee and commission income 162 137 155 198 148 121 299 269 All other income -19 -26 -9 11 -16 0 -45 -16 Total income WB Lending 860 818 837 884 780 785 1,678 1,565 WB Daily Banking & Trade Finance Commercial net interest income 328 323 315 301 306 335 651 642 Net fee and commission income 162 149 144 136 142 146 311 288 All other income 13 15 21 12 15 13 28 28 Total income WB Daily Banking & Trade Finance 503 487 481 449 463 495 990 958 WB Financial Markets Commercial net interest income - - - - - - - - Net fee and commission income 72 74 48 53 59 61 146 119 All other income 346 297 286 339 313 354 643 667 Total income WB Financial Markets 418 370 334 391 371 415 789 787 WB Treasury & Other Commercial net interest income 9 9 8 8 8 8 19 16 Net fee and commission income 5 12 6 -4 12 7 16 19 All other income 83 39 81 82 58 49 122 107 Total income WB Treasury & Other 97 60 95 86 79 64 157 142 Wholesale Banking Commercial net interest income 1,055 1,038 1,014 984 964 1,007 2,093 1,971 Net fee and commission income 401 372 354 383 360 336 772 696 All other income 423 326 379 444 369 416 748 785 Total income Wholesale Banking 1,879 1,735 1,747 1,810 1,694 1,758 3,614 3,452 Corporate Line1) Commercial net interest income - - - - - - - - Net fee and commission income -3 2 3 -0 -0 -2 -1 -2 All other income 39 47 8 208 177 89 85 267 Total income Corporate Line1) 36 48 11 208 177 88 84 265 ING Group Commercial net interest income 4,174 4,060 3,928 3,823 3,772 3,794 8,233 7,566 Net fee and commission income 1,278 1,236 1,221 1,165 1,122 1,094 2,514 2,216 All other income 833 528 649 910 809 749 1,360 1,557 Total income ING Group 6,284 5,823 5,797 5,898 5,702 5,637 12,107 11,339 1) As of 2026, following a change in governance structure, the Luxembourg run-off portfolio is recorded as part of Corporate Line. Previously this portfolio was recorded as part of Retail Belgium. Historical numbers have not been adjusted. Unaudited ING Group Historical Trend Data 2Q2026
Slide 15 — ING 1.13 Geographical split: 2Q2026
ING 1.13 Geographical split: 2Q2026 Geographical split 2Q2026 In € million Total Retail Banking Wholesale Banking Total Retail Banking Wholesale Banking Total Retail Banking Wholesale Banking Total Retail Banking Wholesale Banking Total Retail Banking Wholesale Banking Total Wholesale Banking Total Wholesale Banking Corporate Line Profit or loss Commercial net interest income 1,298 1,063 235 563 450 113 702 594 108 568 473 95 630 538 92 412 412 -0 -0 - Other net interest income -300 -83 -216 33 25 8 33 25 8 28 23 5 69 63 6 15 15 76 -0 76 Net interest income 998 979 19 596 475 121 735 618 117 596 497 99 699 601 98 426 426 76 -0 76 Net fee and commission income 345 300 45 271 196 75 181 150 31 107 71 37 195 163 31 181 181 -3 -0 -3 Investment income 2 1 1 2 2 -0 4 3 0 0 0 0 20 19 2 0 0 26 -0 26 Other income 413 160 253 72 66 6 34 29 5 18 2 16 61 37 24 281 281 -53 10 -63 Total income 1,758 1,441 317 941 738 202 954 801 153 722 570 152 975 820 155 889 889 46 10 36 Expenses excl. regulatory costs 713 492 221 461 370 90 413 356 57 393 346 47 447 385 62 432 432 150 1 148 Regulatory costs 0 0 - -5 -5 -0 2 2 0 8 6 1 68 53 15 5 5 0 - 0 Operating expenses 713 492 221 456 366 90 416 358 57 400 352 48 515 437 77 437 437 150 1 148 Gross result 1,045 949 96 485 372 112 539 443 96 321 218 104 460 382 78 452 452 -104 8 -112 Addition to loan loss provisions 30 1 28 43 43 1 54 32 22 64 13 51 40 41 -1 41 41 6 - 6 Result before tax 1,015 947 68 441 330 112 485 410 74 257 205 53 420 341 79 411 411 -109 8 -118 Retail Banking 947 947 330 330 410 410 205 205 341 341 Wholesale Banking 68 68 112 112 74 74 53 53 79 79 411 411 8 8 Corporate Line -118 -118 Result before tax 1,015 947 68 441 330 112 485 410 74 257 205 53 420 341 79 411 411 -109 8 -118 Customer lending/deposits (in € billion) Residential mortgages 131.9 132.8 -0.8 43.1 43.1 -0.0 102.8 103.2 -0.3 85.1 85.1 0.0 19.5 19.3 0.2 0.0 0.0 2.3 0.0 2.3 Other customer lending 84.3 56.2 28.1 72.9 55.1 17.8 48.7 16.6 32.1 30.4 8.1 22.3 37.9 24.5 13.5 101.3 101.3 1.2 0.0 1.2 Customer deposits 280.0 233.4 46.6 109.0 96.3 12.7 168.9 166.4 2.5 112.3 111.0 1.3 78.7 71.2 7.5 23.8 23.8 0.4 0.0 0.4 Key figures Cost/income ratio 40.6% 34.1% 69.7% 48.5% 49.6% 44.6% 43.5% 44.8% 37.2% 55.5% 61.8% 31.9% 52.8% 53.4% 49.7% 49.1% 49.1% Risk costs in bps of average customer lending 6 0 42 15 18 1 14 11 28 23 6 95 29 38 -3 16 16 Return on equity based on 13.0% CET1 2) 27.6% 38.2% 5.4% 20.9% 20.5% 22.1% 24.3% 28.5% 13.4% 15.0% 17.4% 9.7% 19.6% 20.5% 16.6% 13.1% 13.1% Risk-weighted assets (end of period) 83,825 57,177 26,648 47,543 36,531 11,011 41,207 30,327 10,880 36,324 24,788 11,537 41,674 32,262 9,411 74,338 74,338 17,036 59 16,977 Employees (internal FTEs, end of period) 20,985 12,602 8,383 8,295 6,972 1,324 7,163 6,363 801 7,041 6,525 516 13,591 12,151 1,440 4,935 4,935 223 - 223 Four-quarter rolling average key figures Cost/income ratio 45.2% 39.4% 67.0% 61.5% 64.4% 50.9% 43.6% 44.5% 38.8% 57.3% 64.0% 32.4% 54.9% 55.2% 53.4% 54.3% 54.3% Return on equity based on 13.0% CET1 2) 24.1% 32.3% 7.8% 12.1% 12.3% 11.4% 22.4% 27.9% 9.6% 15.3% 14.4% 17.1% 19.5% 20.5% 16.3% 10.3% 10.3% 1) Region Other consists mainly of Corporate Line. 2) Annualised after-tax return divided by average equity based on 13.0% of risk-weighted assets. Netherlands Germany Wholesale Banking Rest of World Other 1) Growth Markets Other Challengers Belgium Unaudited ING Group Historical Trend Data 2Q2026
Slide 16 — ING 1.14 Geographical split: 6M2026
ING 1.14 Geographical split: 6M2026 Geographical split 6M2026 In € million Total Retail Banking Wholesale Banking Total Retail Banking Wholesale Banking Total Retail Banking Wholesale Banking Total Retail Banking Wholesale Banking Total Retail Banking Wholesale Banking Total Wholesale Banking Total Wholesale Banking Corporate Line Profit or loss Commercial net interest income 2,537 2,062 475 1,127 901 226 1,391 1,177 214 1,107 919 188 1,265 1,080 185 806 806 -0 -0 - Other net interest income -552 -144 -408 56 39 17 87 68 19 52 43 8 127 115 12 29 29 151 -1 152 Net interest income 1,985 1,919 66 1,182 940 242 1,477 1,245 232 1,158 962 196 1,392 1,195 197 835 835 151 -1 152 Net fee and commission income 708 593 115 529 385 144 355 307 48 212 147 65 369 310 59 341 341 -1 -0 -1 Investment income 8 6 2 -1 -1 -0 6 5 1 -0 -0 -0 20 19 2 1 1 27 1 26 Other income 726 241 484 99 90 9 -18 -20 2 33 5 28 109 59 50 481 481 -79 14 -93 Total income 3,427 2,759 668 1,809 1,414 395 1,821 1,538 283 1,403 1,114 289 1,891 1,583 308 1,658 1,658 98 14 84 Expenses excl. regulatory costs 1,421 973 448 917 738 180 816 703 114 769 676 94 855 731 124 855 855 269 2 267 Regulatory costs 0 0 - 194 177 17 -3 -3 -0 12 11 1 189 146 43 9 9 1 - 1 Operating expenses 1,421 973 448 1,112 915 196 813 700 114 781 686 95 1,044 877 167 863 863 270 2 268 Gross result 2,006 1,786 219 698 499 199 1,007 838 169 622 428 194 847 706 141 795 795 -172 12 -184 Addition to loan loss provisions 81 39 42 140 131 9 157 78 79 30 61 -31 108 97 11 94 94 15 - 15 Result before tax 1,925 1,747 177 557 368 189 850 760 90 592 367 225 739 609 130 701 701 -187 12 -199 Retail Banking 1,747 1,747 368 368 760 760 367 367 609 609 Wholesale Banking 177 177 189 189 90 90 225 225 130 130 701 701 12 12 Corporate Line -199 -199 Result before tax 1,925 1,747 177 557 368 189 850 760 90 592 367 225 739 609 130 701 701 -187 12 -199 Customer lending/deposits (in € billion) Residential mortgages 131.9 132.8 -0.8 43.1 43.1 -0.0 102.8 103.2 -0.3 85.1 85.1 0.0 19.5 19.3 0.2 0.0 0.0 2.3 0.0 2.3 Other customer lending 84.3 56.2 28.1 72.9 55.1 17.8 48.7 16.6 32.1 30.4 8.1 22.3 37.9 24.5 13.5 101.3 101.3 1.2 0.0 1.2 Customer deposits 280.0 233.4 46.6 109.0 96.3 12.7 168.9 166.4 2.5 112.3 111.0 1.3 78.7 71.2 7.5 23.8 23.8 0.4 0.0 0.4 Key figures Cost/income ratio 41.5% 35.3% 67.2% 61.4% 64.7% 49.7% 44.7% 45.5% 40.2% 55.7% 61.6% 32.9% 55.2% 55.4% 54.3% 52.1% 52.1% Risk costs in bps of average customer lending 8 4 32 24 27 10 21 13 50 5 14 -30 39 45 17 19 19 Return on equity based on 13.0% CET1 2) 26.4% 35.7% 7.1% 13.2% 11.5% 18.5% 21.3% 26.8% 7.8% 17.4% 15.9% 20.7% 17.6% 18.8% 13.7% 11.0% 11.0% Risk-weighted assets (end of period) 83,825 57,177 26,648 47,543 36,531 11,011 41,207 30,327 10,880 36,324 24,788 11,537 41,674 32,262 9,411 74,338 74,338 17,036 59 16,977 Employees (internal FTEs, end of period) 20,985 12,602 8,383 8,295 6,972 1,324 7,163 6,363 801 7,041 6,525 516 13,591 12,151 1,440 4,935 4,935 223 - 223 1) Region Other consists mainly of Corporate Line. 2) Annualised after-tax return divided by average equity based on 13.0% of risk-weighted assets. Other 1) Netherlands Belgium Germany Other Challengers Growth Markets Wholesale Banking Rest of World Unaudited ING Group Historical Trend Data 2Q2026
Slide 17 — ING 2.1 Consolidated Balance Sheet: Total assets - Comparable quarters
ING 2.1 Consolidated Balance Sheet: Total assets - Comparable quarters ING Group: Total assets In € million 30 Jun 2026 31 Mar 2026 30 Jun 2026 31 Mar 2026 30 Jun 2026 31 Mar 2026 Cash and balances with central banks 64,954 68,587 64,954 68,587 Loans and advances to banks 30,311 31,248 30,311 31,248 0 0 Financial assets at fair value through profit or loss - trading assets 64,728 61,862 64,729 61,867 -1 -4 - non-trading derivatives 1,501 1,983 1,501 1,983 - designated as at fair value through profit or loss 3,455 3,290 3,455 3,290 - mandatorily at fair value through profit or loss 90,373 90,036 90,373 90,036 Financial assets at fair value OCI - equity securities FV OCI 2,647 2,712 2,647 2,712 - debt securities FV OCI 56,765 56,618 56,765 56,618 - loans and advances FV OCI 3,631 3,225 3,631 3,225 Securities at amortised cost 67,985 63,614 67,985 63,614 Loans and advances to customers - customer lending 761,635 744,039 761,715 744,135 -80 -96 - provision for loan losses -6,015 -5,996 -6,015 -5,996 Investments in associates and joint ventures 1,184 1,524 1,184 1,524 Property and equipment 2,651 2,589 2,651 2,589 Intangible assets 1,740 1,552 1,740 1,552 Current tax assets 408 524 408 561 0 -37 Deferred tax assets 908 996 907 996 1 Other assets 11,897 9,107 11,887 9,095 10 12 Total assets 1,160,759 1,137,511 1,160,828 1,137,636 -69 -126 ING Group ING Bank Holding/Eliminations Unaudited ING Group Historical Trend Data 2Q2026
Slide 18 — ING 2.2 Consolidated Balance Sheet: Total assets - Quarterly overview
ING 2.2 Consolidated Balance Sheet: Total assets - Quarterly overview ING Group: Total assets 31 Dec 30 Sep 30 Jun 31 Mar 31 Dec 30 Sep 30 Jun 31 Mar In € million 2026 2026 2026 2026 2025 2025 2025 2025 Cash and balances with central banks 64,954 68,587 52,889 82,871 75,565 94,098 Loans and advances to banks 30,311 31,248 21,204 35,628 50,080 36,414 Financial assets at fair value through profit or loss - trading assets 64,728 61,862 55,730 60,689 64,744 67,275 - non-trading derivatives 1,501 1,983 1,657 1,597 2,075 1,810 - designated as at fair value through profit or loss 3,455 3,290 3,448 4,054 3,951 5,266 - mandatorily at fair value through profit or loss 90,373 90,036 72,322 80,753 81,715 75,944 Financial assets at fair value OCI - equity securities FV OCI 2,647 2,712 2,607 2,540 2,753 2,591 - debt securities FV OCI 56,765 56,618 50,817 49,340 45,618 43,307 - loans and advances FV OCI 3,631 3,225 3,238 1,877 1,475 1,507 Securities at amortised cost 67,985 63,614 53,867 54,107 53,805 53,668 Loans and advances to customers - customer lending 761,635 744,039 727,599 709,034 694,664 688,481 - provision for loan losses -6,015 -5,996 -5,894 -5,828 -5,771 -5,841 Investments in associates and joint ventures 1,184 1,524 1,607 1,552 1,536 1,663 Property and equipment 2,651 2,589 2,478 2,432 2,418 2,399 Intangible assets 1,740 1,552 1,510 1,459 1,409 1,374 Current tax assets 408 524 458 383 489 450 Deferred tax assets 908 996 893 929 949 1,012 Other assets1) 11,897 9,107 7,975 8,942 9,285 7,485 Total assets 1,160,759 1,137,511 1,054,405 1,092,359 1,086,760 1,078,904 1) Other assets per 31 December 2025 and 30 September 2025 included €164 million and €205 million assets held for sale respectively. Unaudited ING Group Historical Trend Data 2Q2026
Slide 19 — ING 2.3 Consolidated Balance Sheet: Total liabilities and equity - Comparable quarters
ING 2.3 Consolidated Balance Sheet: Total liabilities and equity - Comparable quarters ING Group: Total liabilities and equity In € million 30 Jun 2026 31 Mar 2026 30 Jun 2026 31 Mar 2026 30 Jun 2026 31 Mar 2026 Deposits from banks 31,687 32,392 31,694 32,414 -7 -22 Customer deposits 773,179 753,063 775,251 755,916 -2,071 -2,854 Financial liabilities at fair value through profit or loss - trading liabilities 26,318 28,142 26,318 28,142 - non-trading derivatives 1,257 1,618 1,257 1,618 - designated as at fair value through profit or loss 75,738 71,678 75,732 71,674 5 4 Current tax liability 517 407 478 407 39 Deferred tax liabilities 363 319 363 319 0 Provisions 902 916 868 887 34 29 Other liabilities 14,331 14,012 13,670 13,909 661 103 Debt securities in issue 166,011 163,281 118,447 114,974 47,564 48,307 Senior non-preferred debt 47,546 48,281 -47,546 -48,281 Subordinated loans 19,068 19,617 19,070 19,619 -1 -1 Total liabilities 1,109,372 1,085,446 1,110,693 1,088,160 -1,321 -2,714 Shareholders' equity 50,246 50,872 48,994 48,284 1,253 2,588 Non-controlling interests 1,141 1,192 1,141 1,192 Total equity 51,387 52,064 50,134 49,476 1,253 2,588 Total liabilities and equity 1,160,759 1,137,511 1,160,828 1,137,636 -69 -126 ING Group ING Bank Holding/Eliminations Unaudited ING Group Historical Trend Data 2Q2026
Slide 20 — ING 2.4 Consolidated Balance Sheet: Total liabilities and equity - Quarterly overview
ING 2.4 Consolidated Balance Sheet: Total liabilities and equity - Quarterly overview ING Group: Total liabilities and equity 31 Dec 30 Sep 30 Jun 31 Mar 31 Dec 30 Sep 30 Jun 31 Mar In € million 2026 2026 2026 2026 2025 2025 2025 2025 Deposits from banks 31,687 32,392 18,517 26,694 20,891 21,158 Customer deposits 773,179 753,063 721,367 736,134 738,079 733,706 Financial liabilities at fair value through profit or loss - trading liabilities 26,318 28,142 23,427 23,237 26,387 25,933 - non-trading derivatives 1,257 1,618 1,338 1,456 2,499 1,594 - designated as at fair value through profit or loss 75,738 71,678 55,768 68,453 64,637 60,792 Current tax liability 517 407 411 443 359 302 Deferred tax liabilities 363 319 365 314 310 332 Provisions 902 916 941 791 765 715 Other liabilities 14,331 14,012 11,989 13,793 15,104 13,258 Debt securities in issue 166,011 163,281 151,231 151,360 151,016 151,228 Subordinated loans 19,068 19,617 18,100 19,116 16,566 17,092 Total liabilities 1,109,372 1,085,446 1,003,452 1,041,792 1,036,614 1,026,109 Shareholders' equity 50,246 50,872 49,698 49,447 49,115 51,675 Non-controlling interests 1,141 1,192 1,255 1,120 1,031 1,119 Total equity 51,387 52,064 50,953 50,567 50,146 52,794 Total liabilities and equity 1,160,759 1,137,511 1,054,405 1,092,359 1,086,760 1,078,904 Unaudited ING Group Historical Trend Data 2Q2026
Slide 21 — ING 2.5 Total Equity: Comparable quarters
ING 2.5 Total Equity: Comparable quarters ING Group: Total equity In € million 30 Jun 2026 31 Mar 2026 30 Jun 2026 31 Mar 2026 30 Jun 2026 31 Mar 2026 Share capital 29 29 525 525 -496 -496 Share premium 17,116 17,116 16,542 16,542 575 575 Revaluation reserve equity securities 1,468 1,531 1,468 1,531 Revaluation reserve debt instruments -37 -106 -37 -106 Revaluation reserve cashflow hedge -1,198 -1,613 -1,198 -1,613 Other revaluation reserve 154 155 154 155 Remeasurement of the net defined benefit asset/liability -313 -335 -313 -335 Currency translation reserve -2,476 -2,613 -2,476 -2,613 0 0 Treasury shares -1,454 -1,023 - -1,454 -1,023 Liability credit reserve -71 -36 -71 -36 Retained earnings and other reserves 33,524 36,211 30,907 32,684 2,617 3,527 Net result year to date 3,503 1,556 3,492 1,550 11 6 Shareholders' equity 50,246 50,872 48,994 48,284 1,253 2,588 Non-controlling interests 1,141 1,192 1,141 1,192 Total equity 51,387 52,064 50,134 49,476 1,253 2,588 Key figures Shareholders' equity per share in € 17.57 17.68 Shares outstanding in the market (in million) 2,860 2,877 ING Group ING Bank Holding/Eliminations Unaudited ING Group Historical Trend Data 2Q2026
Slide 22 — ING 2.6 Total Equity: Quarterly overview
ING 2.6 Total Equity: Quarterly overview ING Group: Total equity 31 Dec 30 Sep 30 Jun 31 Mar 31 Dec 30 Sep 30 Jun 31 Mar In € million 2026 2026 2026 2026 2025 2025 2025 2025 Share capital 29 29 30 30 31 31 Share premium 17,116 17,116 17,116 17,116 17,116 17,116 Revaluation reserve equity securities 1,468 1,531 1,444 1,369 1,838 1,697 Revaluation reserve debt instruments -37 -106 -41 -260 -302 -412 Revaluation reserve cashflow hedge -1,198 -1,613 -1,096 -1,156 -1,199 -1,522 Other revaluation reserve 154 155 156 146 146 151 Remeasurement of the net defined benefit asset/liability -313 -335 -345 -334 -341 -326 Currency translation reserve -2,476 -2,613 -2,774 -2,846 -2,798 -2,168 Treasury shares -1,454 -1,023 -2,404 -1,670 -2,746 -1,528 Liability credit reserve -71 -36 -49 -44 -20 6 Retained earnings and other reserves 33,524 36,211 31,334 32,180 34,260 37,175 Net result year to date 3,503 1,556 6,327 4,917 3,130 1,455 Shareholders' equity 50,246 50,872 49,698 49,447 49,115 51,675 Non-controlling interests 1,141 1,192 1,255 1,120 1,031 1,119 Total equity 51,387 52,064 50,953 50,567 50,146 52,794 Key figures Shareholders' equity per share in € 17.57 17.68 17.12 16.84 16.48 16.94 Unaudited ING Group Historical Trend Data 2Q2026
Slide 23 — ING 2.7 Capital position
ING 2.7 Capital position Capital position In € million 30 Jun 2026 31 Mar 2026 30 Jun 2026 31 Mar 2026 Shareholders' equity (parent) 50,246 50,872 48,994 48,284 - Reserved profit not included in CET1 capital -2,725 -3,681 -1,942 -1,549 - Minority interests, counting as CET1 capital 550 614 550 614 - Goodwill and intangibles deductible from CET1 -1,219 -1,214 -1,219 -1,214 - Deferred tax liabilities associated to intangible assets 35 34 35 34 - Shortfall on expected loan loss provision -1,060 -1,098 -1,060 -1,098 - Adjustment Revaluation reserve bonds - Adjustment Revaluation reserve equity - Adjustment Revaluation reserve real estate - Adjustment Revaluation reserve cash flow hedge 1,407 1,785 1,407 1,785 - Treasury shares (ING Group) -1 -4 - Prudent Valuation adjustment -754 -801 -755 -800 - Own credit risk 71 36 71 36 - Defined benefit remeasurement - Defined benefit pension fund assets -464 -427 -464 -427 - Deferred tax assets -28 -38 -28 -38 - Own credit risk adjustments to derivatives (DVA) -29 -44 -29 -44 - Irrevocable Payment Commitment (IPC) -691 -683 -691 -683 - Excess of provisions over expected losses eligible - Non-Performing Exposure Prudential Backstop (Pillar I) -309 -288 -309 -288 - Non-Performing Exposure Prudential Backstop (Pillar II) -338 -338 Regulatory adjustments -5,554 -6,143 -4,434 -3,676 Available common equity Tier 1 capital 44,692 44,729 44,560 44,608 Subordinated loans qualifying as Tier 1 capital 8,906 8,999 8,907 9,000 Regulatory adjustments additional Tier 1 114 114 114 114 Available Tier 1 capital 53,712 53,842 53,581 53,722 Supplementary capital - Tier 2 bonds 10,135 9,068 10,135 9,069 Regulatory adjustments Tier 2 67 106 67 106 Available BIS capital 63,914 63,016 63,783 62,896 Risk-weighted assets 341,946 344,303 341,396 343,744 Common equity Tier 1 ratio 13.1% 13.0% 13.1% 13.0% Tier 1 ratio 15.7% 15.6% 15.7% 15.6% Total capital ratio 18.7% 18.3% 18.7% 18.3% ING Group ING Bank Unaudited ING Group Historical Trend Data 2Q2026
Slide 24 — ING 2.8 Funding
ING 2.8 Funding ING Group: Maturity ladder outstanding long-term debt 30 June 2026 Long-term debt issued Remaining In € million 2024 2025 2026 2026 2027 2028 2029 2030 2031 2032 2033 2034 2035 >2035 ING Bank senior debt 2) 3,690 3,727 6,476 2,608 2,014 4,403 2,482 1,391 1,664 255 1,294 198 425 3,013 ING Bank covered bond 6,467 6,839 3,383 2,458 4,099 5,695 7,020 6,490 4,899 4,508 2,586 1,276 750 2,851 ING Bank RMBS 1,745 914 1,000 4,501 ING Group senior debt 2) 9,752 7,562 5,124 4,093 7,219 7,325 7,764 3,837 4,799 1,960 2,768 3,935 4,937 ING Bank Tier 2 140 122 ING Group Tier 2 2,500 2,500 1,000 1,727 1,871 1,250 1,750 3,500 1) All bond instruments with an early redemption option are included as per their contractual maturity date. 2) Figures shown for issued senior bonds are only included with original tenors >= 1 year. ING Group: Loan-to-deposit ratio and funding mix 30 Jun 2026 31 Mar 2026 Loan-to-deposit ratio 0.98 0.98 Funding mix Customer deposits (private individuals) 50% 50% Customer deposits (other) 22% 22% Repurchase agreements 7% 7% Interbank 3% 3% CD/CP 6% 6% Long-term senior debt 11% 10% Subordinated debt 2% 2% Total 1) 100% 100% 1) Financial liabilities excluding trading securities and IFRS equity. Maturing 1) Unaudited ING Group Historical Trend Data 2Q2026
Slide 25 — ING 2.9 Investments: ING Group
ING 2.9 Investments: ING Group ING Group: Investments - 30 June 2026 Fair value Securities at through profit amortised cost or loss In € billion B/S value B/S value Reval after tax B/S value B/S value Reval after tax Total debt securities 68.0 56.8 -0.0 3.5 128.3 -0.0 of which Government bonds 33.3 34.0 -0.0 0.3 67.5 -0.0 of which Central bank bonds 5.0 0.0 0.4 5.4 0.0 of which Sub-sovereign, Supranationals and Agencies 20.6 18.4 0.0 0.4 39.3 0.0 of which Covered bonds 5.4 3.6 -0.0 9.0 -0.0 of which Corporate bonds 0.1 0.1 0.0 0.1 0.3 0.0 of which Financial institutions bonds 0.2 0.2 -0.0 1.4 1.7 -0.0 of which asset-backed securities 3.5 0.6 0.0 1.0 5.1 0.0 Total equity securities 2.6 1.5 2.6 1.5 Total Investments 68.0 59.4 1.4 3.5 131.0 1.4 Total investments contains banking book but excludes the trading book. Financial assets at fair value through other comprehensive income (FV OCI) Total Unaudited ING Group Historical Trend Data 2Q2026
Slide 26 — ING 3.1 Customer lending/deposits: 2Q2026 Segment split
ING 3.1 Customer lending/deposits: 2Q2026 Segment split Customer lending/deposits Retail Retail Retail Retail Retail Wholesale Daily Banking & Financial Treasury Corporate In € billion Total Banking Netherlands Belgium Germany Other Banking Lending Trade Finance Markets & Other Line Residential mortgages Beginning of period 376.3 375.1 130.1 42.7 100.9 101.4 -1.2 0.0 0.0 0.0 -1.2 2.4 Net core lending growth 7.1 7.1 2.7 0.3 1.8 2.3 0.0 0.0 0.0 Treasury 0.8 0.7 0.1 0.1 0.5 0.0 0.1 0.1 Acquisitions / divestments / run-off1) -0.2 -0.1 -0.1 -0.1 FX impact and other 0.8 0.8 0.8 End of period 384.8 383.5 132.8 43.1 103.2 104.5 -1.0 0.0 0.0 0.0 -1.0 2.3 Other customer lending Beginning of period 367.7 155.3 53.4 54.3 16.4 31.2 211.1 159.8 34.1 9.8 7.3 1.4 Net core lending growth 8.1 5.0 2.0 1.6 0.5 1.0 3.0 2.4 -0.1 0.9 -0.3 Treasury 0.6 0.2 0.8 -0.7 -0.3 0.5 0.3 0.3 Acquisitions / divestments / run-off2) -0.3 0.0 0.0 -0.1 -0.1 -0.2 FX impact and other 0.7 -0.2 -0.2 0.8 0.6 0.2 -0.0 0.1 End of period 376.8 160.4 56.2 55.1 16.6 32.6 215.2 162.9 34.2 10.7 7.3 1.2 Customer deposits Beginning of period 753.1 658.7 223.6 97.0 159.2 178.9 93.9 0.0 68.4 14.8 10.7 0.5 Net core deposits growth 15.9 16.7 5.2 -0.1 7.8 3.9 -0.8 0.0 0.2 -1.1 0.0 Treasury 3.9 2.6 4.6 -0.5 -0.6 -0.9 1.3 1.3 Acquisitions / divestments / run-off3) -0.1 -0.0 -0.0 -0.0 -0.0 -0.1 FX impact and other 0.4 0.2 0.2 0.2 0.0 0.1 0.2 -0.0 0.0 End of period 773.2 678.2 233.4 96.3 166.4 182.2 94.5 0.0 68.6 13.9 12.0 0.4 1) Acquisitions / divestments / run-off in Residential mortgages includes the WUB run-off portfolio in Retail Banking Netherlands and the Luxembourg run-off portfolio in Corporate Line. 2) Acquisitions / divestments / run-off in Other customer lending includes the WUB run-off portfolio recorded in Retail Netherlands, the Lease and France run-off portfolios recorded in Wholesale Banking Treasury & Other and the Luxembourg run-off portfolio in Corporate Line. 3) Acquisitions / divestments / run-off in Customer deposits includes the Luxembourg run-off portfolio in Corporate Line. Unaudited ING Group Historical Trend Data 2Q2026
Slide 27 — ING 3.2 Customer lending/deposits: Quarterly overview
ING 3.2 Customer lending/deposits: Quarterly overview Customer lending/deposits In € billion 4Q2026 3Q2026 2Q2026 1Q2026 4Q2025 3Q2025 2Q2025 1Q2025 Residential mortgages Beginning of period 376.3 369.1 362.0 354.3 348.9 345.2 Net core lending growth 7.1 5.9 7.6 7.7 7.2 6.0 Treasury 0.8 -0.5 -1.1 -0.3 0.1 -1.0 Acquisitions / divestments / run-off1) -0.2 0.2 -0.1 -0.1 -0.1 -0.1 FX impact and other4) 5) 0.8 1.6 0.7 0.3 -1.8 -1.3 End of period 384.8 376.3 369.1 362.0 354.3 348.9 Other customer lending Beginning of period 367.7 358.5 347.1 340.3 339.6 340.9 Net core lending growth 8.1 9.1 12.8 6.5 8.2 0.8 Treasury 0.6 -0.9 0.1 0.9 -1.4 0.8 Acquisitions / divestments / run-off2) -0.3 -0.4 -0.1 -0.1 -0.1 -0.1 FX impact and other4) 5) 6) 7) 0.7 1.3 -1.4 -0.7 -5.9 -2.8 End of period 376.8 367.7 358.5 347.1 340.3 339.6 Customer deposits Beginning of period 753.1 721.4 736.1 738.1 733.7 691.7 Net core deposits growth 15.9 7.2 9.5 -0.2 6.2 22.6 Treasury 3.9 24.2 -24.8 -1.5 1.2 20.4 Acquisitions / divestments / run-off3) -0.1 -0.4 -0.0 -0.0 -0.0 -0.0 FX impact and other4) 0.4 0.7 0.6 -0.3 -3.0 -1.0 End of period 773.2 753.1 721.4 736.1 738.1 733.7 1) Acquisitions / divestments / run-off in Residential mortgages includes the WUB run-off portfolio in Retail Banking Netherlands and the Luxembourg run-off portfolio in Corporate Line. 2) Acquisitions / divestments / run-off in Other customer lending includes the WUB, Lease, France and Luxembourg run-off portfolios. 3) Acquisitions / divestments / run-off in Customer deposits includes the Luxembourg run-off portfolio in Corporate Line. 4) In 1Q2026, following a change in governance structure in 1Q2026, FX impact and other included the transfer of the Luxembourg run-off portfolio to Corporate Line, previously the Luxembourg run-off portfolio was recorded in Retail Belgium. Historical numbers have not been adjusted. 5) In 4Q2025, Other customer lending FX impact and other included a €1.3 billion reclassification from customer lending to loans and advances at FVOCI in Wholesale Banking Daily Banking & Trade Finance. 6) In 3Q2025, Other customer lending FX impact and other included a portfolio sale in Retail Germany. 7) 1Q2025, 2Q2025 and 4Q2025 included reclassifications between residential mortgages and other customer lending in Retail Belgium. Unaudited ING Group Historical Trend Data 2Q2026
Slide 28 — ING 3.3 Customer lending/deposits: Retail Banking
ING 3.3 Customer lending/deposits: Retail Banking Customer lending/deposits Retail Banking In € billion 4Q2026 3Q2026 2Q2026 1Q2026 4Q2025 3Q2025 2Q2025 1Q2025 Residential mortgages Beginning of period 375.1 370.2 362.9 355.2 349.8 345.9 Net core lending growth 7.1 5.9 7.6 7.7 7.2 6.0 Treasury 0.7 -0.5 -0.9 -0.2 0.1 -0.8 Acquisitions / divestments / run-off1) -0.1 0.3 -0.1 -0.1 -0.1 -0.1 FX impact and other2) 4) 0.8 -0.8 0.7 0.3 -1.8 -1.3 End of period 383.5 375.1 370.2 362.9 355.2 349.8 Other customer lending Beginning of period 155.3 154.0 151.7 150.4 147.6 144.1 Net core lending growth 5.0 3.5 2.5 0.9 4.1 2.6 Treasury 0.2 -0.7 0.1 0.8 -1.1 0.7 Acquisitions / divestments / run-off1) 0.0 -0.1 -0.0 -0.0 -0.0 -0.0 FX impact and other2) 3) 4) -0.2 -1.4 -0.2 -0.5 -0.2 0.3 End of period 160.4 155.3 154.0 151.7 150.4 147.6 Customer deposits Beginning of period 658.7 636.8 642.3 650.9 643.1 612.0 Net core deposits growth 16.7 4.3 11.3 -7.1 8.9 17.0 Treasury 2.6 17.9 -17.4 -1.5 1.2 14.7 Acquisitions / divestments / run-off -0.0 -0.1 -0.0 -0.0 -0.0 -0.0 FX impact and other2) 0.2 -0.2 0.6 -0.0 -2.3 -0.5 End of period 678.2 658.7 636.8 642.3 650.9 643.1 1) Acquisitions / divestments / run-off includes the WUB run-off portfolio in Retail Netherlands. In 1Q2026, the WUB run-off mortgage portfolio increased by €0.4 billion due to the repurchase of securitized loans. 2) In 1Q2026, following a change in governance structure, FX impact and other included the transfer of the Luxembourg run-off portfolio to Corporate Line. Previously this portfolio was recorded as part of Retail Belgium. Historical numbers have not been adjusted. 3) In 3Q2025, Other customer lending FX impact and other included a portfolio sale in Retail Germany. 4) 1Q2025, 2Q2025 and 4Q2025 included reclassifications between residential mortgages and other customer lending in Retail Belgium. Unaudited ING Group Historical Trend Data 2Q2026
Slide 29 — ING 3.4 Customer lending/deposits: Retail Netherlands
ING 3.4 Customer lending/deposits: Retail Netherlands Customer lending/deposits Retail Netherlands In € billion 4Q2026 3Q2026 2Q2026 1Q2026 4Q2025 3Q2025 2Q2025 1Q2025 Residential mortgages Beginning of period 130.1 127.7 125.3 122.6 120.0 117.8 Net core lending growth 2.7 2.2 2.8 2.8 2.8 2.7 Treasury 0.1 -0.1 -0.3 -0.1 -0.1 -0.3 Acquisitions / divestments / run-off1) -0.1 0.3 -0.1 -0.1 -0.1 -0.1 FX impact and other End of period 132.8 130.1 127.7 125.3 122.6 120.0 Other customer lending Beginning of period 53.4 51.5 50.1 49.2 48.0 46.5 Net core lending growth 2.0 1.9 1.0 1.1 1.3 1.7 Treasury 0.8 0.1 0.4 -0.2 -0.1 -0.2 Acquisitions / divestments / run-off1) 0.0 -0.1 -0.0 -0.0 -0.0 -0.0 FX impact and other End of period 56.2 53.4 51.5 50.1 49.2 48.0 Customer deposits Beginning of period 223.6 209.1 220.0 218.3 215.2 200.7 Net core deposits growth 5.2 -0.1 5.4 0.9 5.1 0.2 Treasury 4.6 14.6 -16.2 0.7 -2.0 14.4 Acquisitions / divestments / run-off -0.0 -0.1 -0.0 -0.0 -0.0 -0.0 FX impact and other End of period 233.4 223.6 209.1 220.0 218.3 215.2 1) Acquisitions / divestments / run-off includes the WUB run-off portfolio. In 1Q2026, the WUB run-off mortgage portfolio increased by €0.4 billion due to the repurchase of securitized loans. Unaudited ING Group Historical Trend Data 2Q2026
Slide 30 — ING 3.5 Customer lending/deposits: Retail Belgium
ING 3.5 Customer lending/deposits: Retail Belgium Customer lending/deposits Retail Belgium1) In € billion 4Q2026 3Q2026 2Q2026 1Q2026 4Q2025 3Q2025 2Q2025 1Q2025 Residential mortgages Beginning of period 42.7 44.9 44.5 44.4 44.4 44.6 Net core lending growth 0.3 0.3 0.3 0.2 0.3 0.1 Treasury 0.1 -0.1 -0.2 -0.1 0.0 -0.2 Acquisitions / divestments / run-off FX impact and other2) 3) -2.5 0.3 -0.4 -0.2 End of period 43.1 42.7 44.9 44.5 44.4 44.4 Other customer lending Beginning of period 54.3 55.2 54.2 55.4 53.6 53.7 Net core lending growth 1.6 -0.0 1.0 -1.2 1.5 -0.2 Treasury -0.7 0.3 0.3 -0.0 0.0 -0.1 Acquisitions / divestments / run-off FX impact and other2) 3) -1.2 -0.3 0.4 0.2 End of period 55.1 54.3 55.2 54.2 55.4 53.6 Customer deposits Beginning of period 97.0 96.5 96.4 98.0 97.0 97.1 Net core deposits growth -0.1 0.5 0.2 -1.5 1.0 -0.3 Treasury -0.5 0.7 -0.1 -0.0 -0.0 0.2 Acquisitions / divestments / run-off FX impact and other2) -0.8 End of period 96.3 97.0 96.5 96.4 98.0 97.0 1) Including ING Luxembourg. 2) In 1Q2026, following a change in governance structure, FX impact and other included the transfer of the Luxembourg run-off portfolio to Corporate Line. Previously this portfolio was recorded as part of Retail Belgium. Historical numbers have not been adjusted. 3) 1Q2025, 2Q2025 and 4Q2025 included reclassifications between residential mortgages and other customer lending. Unaudited ING Group Historical Trend Data 2Q2026
Slide 31 — ING 3.6 Customer lending/deposits: Retail Germany
ING 3.6 Customer lending/deposits: Retail Germany Customer lending/deposits Retail Germany In € billion 4Q2026 3Q2026 2Q2026 1Q2026 4Q2025 3Q2025 2Q2025 1Q2025 Residential mortgages Beginning of period 100.9 99.9 99.0 97.3 95.8 95.1 Net core lending growth 1.8 1.3 1.3 1.8 1.2 1.0 Treasury 0.5 -0.3 -0.4 -0.0 0.2 -0.3 Acquisitions / divestments / run-off FX impact and other End of period 103.2 100.9 99.9 99.0 97.3 95.8 Other customer lending Beginning of period 16.4 16.6 16.5 16.0 15.9 15.1 Net core lending growth 0.5 0.6 0.4 0.2 0.5 0.5 Treasury -0.3 -0.8 -0.2 0.5 -0.4 0.3 Acquisitions / divestments / run-off FX impact and other1) -0.3 End of period 16.6 16.4 16.6 16.5 16.0 15.9 Customer deposits Beginning of period 159.2 157.7 157.2 165.5 166.4 151.1 Net core deposits growth 7.8 0.8 0.8 -8.4 -1.1 15.3 Treasury -0.6 0.7 -0.3 0.1 0.2 -0.0 Acquisitions / divestments / run-off FX impact and other End of period 166.4 159.2 157.7 157.2 165.5 166.4 1) In 3Q2025, Other customer lending FX impact and other reflects a portfolio sale. Unaudited ING Group Historical Trend Data 2Q2026
Slide 32 — ING 3.7 Customer lending/deposits: Retail Other
ING 3.7 Customer lending/deposits: Retail Other Customer lending/deposits Retail Other1) In € billion 4Q2026 3Q2026 2Q2026 1Q2026 4Q2025 3Q2025 2Q2025 1Q2025 Residential mortgages Beginning of period 101.4 97.7 94.1 90.9 89.5 88.4 Net core lending growth 2.3 2.1 3.2 2.9 2.9 2.2 Treasury 0.0 -0.0 -0.0 -0.0 0.0 Acquisitions / divestments / run-off FX impact and other 0.8 1.6 0.4 0.3 -1.5 -1.1 End of period 104.5 101.4 97.7 94.1 90.9 89.5 Other customer lending Beginning of period 31.2 30.7 30.9 29.7 30.2 28.8 Net core lending growth 1.0 1.0 0.2 0.8 0.8 0.6 Treasury 0.5 -0.3 -0.4 0.5 -0.6 0.7 Acquisitions / divestments / run-off FX impact and other -0.2 -0.2 0.1 -0.1 -0.6 0.1 End of period 32.6 31.2 30.7 30.9 29.7 30.2 Customer deposits Beginning of period 178.9 173.4 168.7 169.0 164.5 163.2 Net core deposits growth 3.9 3.1 4.9 2.0 3.9 1.8 Treasury -0.9 1.8 -0.7 -2.3 3.0 0.0 Acquisitions / divestments / run-off FX impact and other 0.2 0.6 0.6 -0.0 -2.3 -0.5 End of period 182.2 178.9 173.4 168.7 169.0 164.5 1) Includes: Spain, Italy, Australia, Poland, Romania, Türkiye and other. Unaudited ING Group Historical Trend Data 2Q2026
Slide 33 — ING 3.8 Customer lending/deposits: Wholesale Banking
ING 3.8 Customer lending/deposits: Wholesale Banking Customer lending/deposits Wholesale Banking In € billion 4Q2026 3Q2026 2Q2026 1Q2026 4Q2025 3Q2025 2Q2025 1Q2025 Residential mortgages Beginning of period -1.2 -1.2 -0.9 -0.9 -0.9 -0.7 Net core lending growth 0.0 0.0 0.0 0.0 0.0 0.0 Treasury 0.1 -0.0 -0.2 -0.1 0.0 -0.2 Acquisitions / divestments / run-off FX impact and other End of period -1.0 -1.2 -1.2 -0.9 -0.9 -0.9 Other customer lending Beginning of period 211.1 204.2 195.2 189.7 191.7 196.5 Net core lending growth 3.0 5.6 10.3 5.7 4.1 -1.8 Treasury 0.3 -0.2 0.1 0.1 -0.4 0.1 Acquisitions / divestments / run-off1) -0.1 -0.1 -0.1 -0.1 -0.1 -0.1 FX impact and other2) 0.8 1.5 -1.2 -0.2 -5.7 -3.1 End of period 215.2 211.1 204.2 195.2 189.7 191.7 Customer deposits Beginning of period 93.9 84.6 93.9 87.2 90.6 79.6 Net core deposits growth -0.8 2.9 -1.8 6.9 -2.7 5.6 Treasury 1.3 6.3 -7.4 0.0 0.0 5.8 Acquisitions / divestments / run-off -0.0 FX impact and other 0.2 0.1 -0.0 -0.2 -0.7 -0.4 End of period 94.5 93.9 84.6 93.9 87.2 90.6 1) Acquisitions / divestments / run-off in Other customer lending includes the Lease and France run-off portfolios. 2) In 4Q2025, Other customer lending FX impact and other included a €1.3 billion reclassification from customer lending to loans and advances at FVOCI in Wholesale Banking Daily Banking & Trade Finance. Unaudited ING Group Historical Trend Data 2Q2026
Slide 34 — ING 3.9 Customer lending/deposits: WB - Lending
ING 3.9 Customer lending/deposits: WB - Lending Customer lending/deposits Wholesale Banking - Lending In € billion 4Q2026 3Q2026 2Q2026 1Q2026 4Q2025 3Q2025 2Q2025 1Q2025 Residential mortgages Beginning of period 0.0 0.0 0.0 0.0 0.0 0.0 Net core lending growth Treasury Acquisitions / divestments / run-off FX impact and other End of period 0.0 0.0 0.0 0.0 0.0 0.0 Other customer lending Beginning of period 159.8 151.0 148.4 143.9 149.6 152.3 Net core lending growth 2.4 7.8 2.4 4.7 -1.2 -0.3 Treasury Acquisitions / divestments / run-off FX impact and other 0.6 1.1 0.1 -0.2 -4.5 -2.4 End of period 162.9 159.8 151.0 148.4 143.9 149.6 Customer deposits Beginning of period 0.0 0.0 0.0 0.0 0.1 0.4 Net core deposits growth 0.0 0.0 0.0 -0.0 -0.1 -0.3 Treasury Acquisitions / divestments / run-off FX impact and other 0.0 0.0 0.0 -0.0 -0.0 -0.0 End of period 0.0 0.0 0.0 0.0 0.0 0.1 Unaudited ING Group Historical Trend Data 2Q2026
Slide 35 — ING 3.10 Customer lending/deposits: WB - Daily Banking & Trade Finance
ING 3.10 Customer lending/deposits: WB - Daily Banking & Trade Finance Customer lending/deposits Wholesale Banking - Daily Banking & Trade Finance In € billion 4Q2026 3Q2026 2Q2026 1Q2026 4Q2025 3Q2025 2Q2025 1Q2025 Residential mortgages Beginning of period 0.0 0.0 0.0 0.0 0.0 0.0 Net core lending growth Treasury Acquisitions / divestments / run-off FX impact and other End of period 0.0 0.0 0.0 0.0 0.0 0.0 Other customer lending Beginning of period 34.1 36.8 31.7 30.9 27.2 28.0 Net core lending growth -0.1 -3.1 6.4 0.8 4.9 -1.3 Treasury Acquisitions / divestments / run-off FX impact and other1) 2) 0.2 0.4 -1.3 -0.0 -1.2 0.4 End of period 34.2 34.1 36.8 31.7 30.9 27.2 Customer deposits Beginning of period 68.4 63.5 67.1 62.8 66.5 62.4 Net core deposits growth 0.2 5.0 -3.6 4.4 -3.5 4.2 Treasury Acquisitions / divestments / run-off FX impact and other 0.1 -0.1 0.0 -0.1 -0.3 -0.1 End of period 68.6 68.4 63.5 67.1 62.8 66.5 1) In 4Q2025, Other customer lending FX impact and other included a €1.3 billion reclassification from customer lending to loans and advances at FVOCI. 2) In 1Q2025 Other customer lending included a transfer of €1.1 billion from Financial Markets to Daily Banking & Trade Finance. Unaudited ING Group Historical Trend Data 2Q2026
Slide 36 — ING 3.11 Customer lending/deposits: WB - Financial Markets
ING 3.11 Customer lending/deposits: WB - Financial Markets Customer lending/deposits Wholesale Banking - Financial Markets In € billion 4Q2026 3Q2026 2Q2026 1Q2026 4Q2025 3Q2025 2Q2025 1Q2025 Residential mortgages Beginning of period 0.0 0.0 0.0 0.0 0.0 0.0 Net core lending growth Treasury Acquisitions / divestments / run-off FX impact and other End of period 0.0 0.0 0.0 0.0 0.0 0.0 Other customer lending Beginning of period 9.8 8.9 8.1 7.9 7.8 9.0 Net core lending growth 0.9 0.9 0.9 0.2 0.0 -0.0 Treasury Acquisitions / divestments / run-off FX impact and other1) -1.1 End of period 10.7 9.8 8.9 8.1 7.9 7.8 Customer deposits Beginning of period 14.8 16.4 14.9 12.6 12.1 10.9 Net core deposits growth -1.1 -1.7 1.6 2.4 0.9 1.6 Treasury Acquisitions / divestments / run-off FX impact and other 0.2 0.2 -0.1 -0.1 -0.4 -0.4 End of period 13.9 14.8 16.4 14.9 12.6 12.1 1) In 1Q2025 Other customer lending included a transfer of €1.1 billion from Financial Markets to Daily Banking & Trade Finance. Unaudited ING Group Historical Trend Data 2Q2026
Slide 37 — ING 3.12 Customer lending/deposits: WB - Treasury & Other
ING 3.12 Customer lending/deposits: WB - Treasury & Other Customer lending/deposits Wholesale Banking - Treasury & Other In € billion 4Q2026 3Q2026 2Q2026 1Q2026 4Q2025 3Q2025 2Q2025 1Q2025 Residential mortgages Beginning of period -1.2 -1.2 -0.9 -0.9 -0.9 -0.7 Net core lending growth 0.0 0.0 0.0 0.0 0.0 0.0 Treasury 0.1 -0.0 -0.2 -0.1 0.0 -0.2 Acquisitions / divestments / run-off FX impact and other End of period -1.0 -1.2 -1.2 -0.9 -0.9 -0.9 Other customer lending Beginning of period 7.3 7.6 6.9 7.0 7.1 7.2 Net core lending growth -0.3 -0.0 0.6 -0.1 0.3 -0.2 Treasury 0.3 -0.2 0.1 0.1 -0.4 0.1 Acquisitions / divestments / run-off1) -0.1 -0.1 -0.1 -0.1 -0.1 -0.1 FX impact and other -0.0 End of period 7.3 7.3 7.6 6.9 7.0 7.1 Customer deposits Beginning of period 10.7 4.7 12.0 11.8 11.7 5.9 Net core deposits growth 0.0 -0.4 0.2 0.1 0.0 0.0 Treasury 1.3 6.3 -7.4 0.0 0.0 5.8 Acquisitions / divestments / run-off -0.0 -0.0 -0.0 -0.0 -0.0 -0.0 FX impact and other -0.0 -0.0 0.0 0.0 0.0 0.0 End of period 12.0 10.7 4.7 12.0 11.8 11.7 1) Acquisitions / divestments / run-off in Other customer lending includes the Lease and France run-off portfolios. Unaudited ING Group Historical Trend Data 2Q2026
Slide 38 — ING 3.13 Customer lending/deposits: Corporate Line
ING 3.13 Customer lending/deposits: Corporate Line Customer lending/deposits Corporate Line1) In € billion 4Q2026 3Q2026 2Q2026 1Q2026 4Q2025 3Q2025 2Q2025 1Q2025 Residential mortgages Beginning of period 2.4 0.0 Net core lending growth Treasury Acquisitions / divestments / run-off2) -0.1 -0.1 FX impact and other3) 2.5 End of period 2.3 2.4 Other customer lending Beginning of period 1.4 0.3 0.3 0.3 0.2 0.3 Net core lending growth Treasury Acquisitions / divestments / run-off2) -0.2 -0.2 FX impact and other3) 0.1 1.3 0.0 0.0 -0.0 End of period 1.2 1.4 0.3 0.3 0.3 0.2 Customer deposits Beginning of period 0.5 0.0 0.0 0.0 0.0 0.0 Net core deposits growth Treasury Acquisitions / divestments / run-off2) -0.1 -0.2 FX impact and other3) 0.0 0.8 End of period 0.4 0.5 0.0 0.0 0.0 0.0 1) Corporate Line is not part of core lending and core deposits. 2) Acquisitions / divestments / run-off includes the Luxembourg run-off business. 3) In 1Q2026, following a change in governance structure, FX impact and other included the transfer of the Luxembourg run-off business to Corporate Line. Previously this business was recorded as part of Retail Belgium (Residential mortgages €2.5 billion, Other customer lending €1.2 billion and Customer deposits €0.8 billion). Historical numbers have not been adjusted. Unaudited ING Group Historical Trend Data 2Q2026
Slide 39 — Important legal information
Important legal information ING Group’s financial statements are prepared in accordance with International Financial Reporting Standards as adopted by the European Union (‘IFRS-EU’). In preparing the financial information in this document, except as described otherwise, the same accounting principles are applied as in the 2025 ING Group consolidated financial statements. All figures in this document are unaudited. Small differences are possible in the tables due to rounding. Certain of the statements contained herein are not historical facts, including, without limitation, certain statements made of future expectations and other forward-looking statements that are based on management’s current views and assumptions and involve known and unknown risks and uncertainties that could cause actual results, performance or events to differ materially from those expressed or implied in such statements. Actual results, performance or events may differ materially from those in such statements due to a number of factors, including, without limitation: (1) changes in general economic conditions and customer behaviour, in particular economic conditions in ING’s core markets, including changes affecting currency exchange rates and the regional and global economic impact of the 'invasion of Russia into Ukraine and related international 'response measures (2) changes affecting interest rate levels (3) any default of a major market participant and related market disruption (4) changes in performance of financial markets, including in Europe and developing markets (5) fiscal uncertainty in Europe and the United States (6) discontinuation of or changes in ‘benchmark’ indices (7) inflation and deflation in our principal markets (8) changes in conditions in the credit and capital markets generally, including changes in borrower and counterparty creditworthiness (9) failures of banks falling under the scope of state compensation schemes (10) non-compliance with or changes in laws and regulations, including those concerning financial services, financial economic crimes and tax laws, and the interpretation and application thereof (11) geopolitical risks, political instabilities and policies and actions of governmental and regulatory authorities, including in connection with the invasion of Russia into Ukraine, other existing or emerging military conflicts, the risk of further military escalation, geopolitical tensions, trade restrictions and the related international response measures (12) legal and regulatory risks in certain countries with less developed legal and regulatory frameworks (13) prudential supervision and regulations, including in relation to stress tests and regulatory restrictions on dividends and distributions (also among members of the group) (14) ING's ability to meet minimum capital and other prudential regulatory requirements (15) changes in regulation of US commodities and derivatives businesses of ING and its customers (16) application of bank recovery and resolution regimes, including write down and conversion powers in relation to our securities (17) outcome of current and future litigation, enforcement proceedings, investigations or other regulatory actions, including claims by customers or stakeholders who feel misled or treated unfairly, and other conduct issues (18) changes in tax laws and regulations and risks of non-compliance or investigation in connection with tax laws, including FATCA (19) operational and IT risks, such as system disruptions or failures, breaches of security, cyber-attacks, human error, changes in operational practices or inadequate controls including in respect of third parties with which we do business and including any risks as a result of incomplete, inaccurate, or otherwise flawed outputs from the algorithms and data sets utilized in artificial intelligence (20) risks and challenges related to cybercrime including the effects of cyberattacks and changes in legislation and regulation related to cybersecurity and data privacy, including such risks and challenges as a consequence of the use of emerging technologies, such as advanced forms of artificial intelligence and quantum computing (21) changes in general competitive factors, including ability to increase or maintain market share (22) inability to protect our intellectual property and infringement claims by third parties (23) inability of counterparties to meet financial obligations or ability to enforce rights against such counterparties (24) changes in credit ratings (25) business, operational, regulatory, reputation, transition and other risks and challenges in connection with climate change, diversity, equity and inclusion and other ESG-related matters, including data gathering and reporting and also including managing the conflicting laws and requirements of governments, regulators and authorities with respect to these topics (26) inability to attract and retain key personnel (27) future liabilities under defined benefit retirement plans (28) failure to manage business risks, including in connection with use of models, use of derivatives, or maintaining appropriate policies and guidelines (29) changes in capital and credit markets, including interbank funding, as well as customer deposits, which provide the liquidity and capital required to fund our operations, and (30) the other risks and uncertainties detailed in the most recent annual report of ING Groep N.V. (including the Risk Factors contained therein) and ING’s more recent disclosures, including press releases, which are available on www.ING.com. This document may contain ESG-related material that has been prepared by ING on the basis of publicly available information, internally developed data and other third-party sources believed to be reliable. ING has not sought to independently verify information obtained from public and third-party sources and makes no representations or warranties as to accuracy, completeness, reasonableness or reliability of such information. This document may also discuss one or more specific transactions and/or contain general statements about ING’s ESG approach. The approach and criteria referred to in this document are intended to be applied in accordance with applicable law. Due to the fact that there may be different or even conflicting laws, the approach, criteria or the application thereof, could be different. Materiality, as used in the context of ESG, is distinct from, and should not be confused with, such term as defined in the Market Abuse Regulation or as defined for Securities and Exchange Commission (‘SEC’) reporting purposes. Any issues identified as material for purposes of ESG in this document are therefore not necessarily material as defined in the Market Abuse Regulation or for SEC reporting purposes. In addition, there is currently no single, globally recognized set of accepted definitions in assessing whether activities are “green” or “sustainable.” Without limiting any of the statements contained herein, we make no representation or warranty as to whether any of our securities constitutes a green or sustainable security or conforms to present or future investor expectations or objectives for green or sustainable investing. For information on characteristics of a security, use of proceeds, a description of applicable project(s) and/or any other relevant information, please reference the offering documents for such security. This document may contain inactive textual addresses to internet websites operated by us and third parties. Reference to such websites is made for information purposes only, and information found at such websites is not incorporated by reference into this document. ING does not make any representation or warranty with respect to the accuracy or completeness of, or take any responsibility for, any information found at any websites operated by third parties. ING specifically disclaims any liability with respect to any information found at websites operated by third parties. ING cannot guarantee that websites operated by third parties remain available following the publication of this document, or that any information found at such websites will not change following the filing of this document. Many of those factors are beyond ING's control. Any forward-looking statements made by or on behalf of ING speak only as of the date they are made, and ING assumes no obligation to publicly update or revise any forward-looking statements, whether as a result of new information or for any other reason. This document does not constitute an offer to sell, or a solicitation of an offer to purchase, any securities in the United States or any other jurisdiction. Unaudited ING Group Historical Trend Data 2Q2026