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ING Group — 1Q2026 ING historical trend data (0,4 MB) (company IR deck)
ING Group (ING) · 38 slides · Filed Oct 21, 2026
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Slide 1 — ING Historical Trend Data 1Q2026 Introduction
ING Historical Trend Data 1Q2026 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 1Q2026
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: 1Q2026 Segment split 1.2 Profit or loss: 1Q2026 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: 1Q2026 2.9 Investments: ING Group Financial Markets 3.12 Customer lending/deposits: Wholesale Banking - Treasury & Other 3.13 Customer lending/deposits: Corporate Line Unaudited ING Group Historical Trend Data 1Q2026
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 1Q2026 1Q2025 4Q2025 1Q2026 1Q2025 1) 4Q2025 1) 1Q2026 1Q2025 4Q2025 1Q2026 1Q2025 1) 4Q2025 1) Profit or loss Commercial net interest income 4,060 3,794 3,928 3,021 2,787 2,913 1,038 1,007 1,014 - - - Other net interest income -5 -172 -110 69 -16 7 -150 -263 -192 76 107 76 Net interest income 4,055 3,622 3,818 3,091 2,772 2,920 888 744 822 76 107 76 Net fee and commission income 1,236 1,094 1,221 862 760 863 372 336 354 2 -2 3 Investment income 7 27 15 4 6 13 3 2 2 0 20 0 Other income 526 893 744 83 253 243 473 678 569 -29 -38 -68 Total income 5,823 5,637 5,797 4,039 3,791 4,039 1,735 1,758 1,747 48 88 11 Expenses excl. regulatory costs 2,896 2,839 2,977 1,871 1,851 1,950 906 871 883 119 117 143 Regulatory costs2) 324 361 361 274 322 210 49 39 151 1 0 0 Operating expenses 3,219 3,200 3,337 2,145 2,173 2,160 955 910 1,034 120 117 143 Gross result 2,604 2,437 2,460 1,895 1,619 1,879 781 848 714 -72 -30 -133 Addition to loan loss provisions 346 313 365 275 175 177 62 138 188 9 0 0 Result before tax 2,258 2,124 2,095 1,620 1,444 1,702 719 710 526 -81 -30 -133 Taxation 652 604 606 476 381 466 199 216 130 -23 7 11 Non-controlling interests 50 65 78 43 53 63 7 12 15 - - - Net result3) 1,556 1,455 1,411 1,101 1,010 1,173 513 482 381 -58 -37 -143 Key figures Net interest margin 1.46% 1.36% 1.40% Commercial net interest margin 2.26% 2.26% 2.23% Cost/income ratio 55.3% 56.8% 57.6% 53.1% 57.3% 53.5% 55.0% 51.8% 59.1% n.a. n.a. n.a. Risk costs in bps of average customer lending 19 18 20 21 14 14 12 29 38 n.a. n.a. n.a. Return on tangible equity (ROTE)4) 13.6% 12.3% 12.2% Return on equity based on 13.0% CET1 5) 14.4% 13.9% 13.5% 20.1% 19.6% 10.7% 10.1% -9.8% -6.5% Risk-weighted assets (end of period) 344,303 337,219 340,739 176,605 168,680 174,398 149,182 149,676 148,560 18,516 18,863 17,781 Employees (internal FTEs, end of period) 62,311 62,683 62,485 44,764 45,325 45,003 17,335 17,287 17,453 213 70 30 Four-quarter rolling average key figures Net interest margin 1.38% 1.41% 1.36% Commercial net interest margin 2.23% 2.33% 2.23% Cost/income ratio 54.3% 54.2% 54.6% 52.0% 53.2% 53.0% 55.6% 51.9% 54.7% n.a. n.a. n.a. Return on tangible equity (ROTE)4) 13.9% 13.2% 13.6% Return on equity based on 13.0% CET1 5) 15.2% 15.2% 15.1% 21.7% 22.8% 21.7% 10.2% 10.1% 10.0% -6.2% -13.4% -5.3% 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 1Q2026
Slide 4 — ING 1.2 Profit or loss: 1Q2026 Segment split
ING 1.2 Profit or loss: 1Q2026 Segment split Profit or loss 1Q2026 Retail Retail Retail Retail Retail Wholesale Corporate In € million Total Banking Netherlands Belgium Germany Other Banking Line Commercial net interest income 4,060 3,021 1,000 451 583 987 1,038 - Other net interest income -5 69 -61 14 43 72 -150 76 Net interest income 4,055 3,091 939 465 627 1,060 888 76 Net fee and commission income 1,236 862 293 189 157 223 372 2 Investment income 2 -2 0 -3 -0 0 4 0 Realised gains and fair value changes on investments 5 6 4 0 2 -0 -1 -0 Total investment income 7 4 5 -2 2 -0 3 0 Valuation result and net trading income 479 44 63 20 -51 13 468 -33 Other income 47 38 19 5 2 13 4 4 Total other income 526 83 81 25 -49 25 473 -29 Total income 5,823 4,039 1,319 676 737 1,308 1,735 48 Expenses excl. regulatory costs 2,896 1,871 481 367 346 676 906 119 Regulatory costs1) 324 274 - 182 -5 97 49 1 Operating expenses 3,219 2,145 481 549 341 773 955 120 Gross result 2,604 1,895 838 127 396 535 781 -72 Addition to loan loss provisions 346 275 38 88 46 103 62 9 Result before tax 2,258 1,620 800 38 350 431 719 -81 Taxation 652 476 208 10 112 146 199 -23 Non-controlling interests 50 43 - 0 0 42 7 - Net result2) 1,556 1,101 592 28 237 243 513 -58 Key figures Net interest margin 1.46% Commercial net interest margin 2.26% Cost/income ratio 55.3% 53.1% 36.5% 81.3% 46.3% 59.1% 55.0% n.a. Risk costs in bps of average customer lending 19 21 8 36 16 32 12 n.a. Return on tangible equity (ROTE)3) 13.6% Return on equity based on 13.0% CET1 4) 14.4% 20.1% 33.1% 2.4% 25.0% 15.8% 10.7% -9.8% Risk-weighted assets (end of period) 344,303 176,605 55,699 35,130 29,851 55,924 149,182 18,516 Employees (internal FTEs, end of period) 62,311 44,764 12,647 7,190 6,389 18,537 17,335 213 Four-quarter rolling average key figures Net interest margin 1.38% Commercial net interest margin 2.23% Cost/income ratio 54.3% 52.0% 40.9% 67.3% 45.1% 59.1% 55.6% n.a. Return on tangible equity (ROTE)3) 13.9% Return on equity based on 13.0% CET1 4) 15.2% 21.7% 30.2% 10.7% 26.7% 18.0% 10.2% -6.2% 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 1Q2026
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 Commercial net interest income 4,060 3,928 3,823 3,772 3,794 Other net interest income1) -5 -110 -118 -236 -172 Net interest income 4,055 3,818 3,705 3,536 3,622 Net fee and commission income 1,236 1,221 1,165 1,122 1,094 Investment income 2 3 60 35 21 Realised gains and fair value changes on investments 5 13 5 -14 6 Total investment income 7 15 66 21 27 Valuation result and net trading income 479 697 885 955 885 Other income 47 47 77 69 9 Total other income 526 744 962 1,023 893 Total income 5,823 5,797 5,898 5,702 5,637 Staff expenses 1,921 1,935 1,916 1,888 1,861 Regulatory costs2) 324 361 67 78 361 Other expenses 974 1,042 1,030 1,068 978 Operating expenses 3,219 3,337 3,012 3,034 3,200 Gross result 2,604 2,460 2,886 2,668 2,437 Addition to loan loss provisions 346 365 326 299 313 Result before tax 2,258 2,095 2,560 2,369 2,124 Taxation 652 606 703 633 604 Non-controlling interests 50 78 70 62 65 Net result3) 1,556 1,411 1,787 1,675 1,455 Key figures Net interest margin 1.46% 1.40% 1.37% 1.31% 1.36% Commercial net interest margin 2.26% 2.23% 2.22% 2.23% 2.26% Cost/income ratio 55.3% 57.6% 51.1% 53.2% 56.8% Risk costs in bps of average customer lending 19 20 19 17 18 Return on tangible equity (ROTE)4) 13.6% 12.2% 15.4% 14.3% 12.3% Return on equity based on 13.0% CET1 5) 14.4% 13.5% 17.0% 15.9% 13.9% Risk-weighted assets (end of period) 344,303 340,739 336,196 335,804 337,219 Employees (internal FTEs, end of period) 62,311 62,485 63,025 62,999 62,683 Four-quarter rolling average key figures Net interest margin 1.38% 1.36% 1.36% 1.37% 1.41% Commercial net interest margin 2.23% 2.23% 2.24% 2.28% 2.33% Cost/income ratio 54.3% 54.6% 55.6% 55.1% 54.2% Return on tangible equity (ROTE)4) 13.9% 13.6% 12.9% 13.0% 13.2% Return on equity based on 13.0% CET1 5) 15.2% 15.1% 14.6% 14.8% 15.2% 1) 4Q2025 included €-18m for incentives to attract new customers. 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 1Q2026
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 Commercial net interest income 3,021 2,913 2,839 2,808 2,787 Other net interest income2) 69 7 -47 -42 -16 Net interest income 3,091 2,920 2,792 2,766 2,772 Net fee and commission income 862 863 783 762 760 Investment income -2 2 1 3 0 Realised gains and fair value changes on investments 6 11 4 3 5 Total investment income 4 13 5 6 6 Valuation result and net trading income 44 222 236 263 233 Other income 38 21 64 35 21 Total other income 83 243 299 298 253 Total income 4,039 4,039 3,880 3,832 3,791 Expenses excl. regulatory costs 1,871 1,950 1,932 1,854 1,851 Regulatory costs 274 210 49 66 322 Operating expenses 2,145 2,160 1,981 1,921 2,173 Gross result 1,895 1,879 1,899 1,911 1,619 Addition to loan loss provisions 275 177 192 210 175 Result before tax 1,620 1,702 1,707 1,701 1,444 Taxation 476 466 465 468 381 Non-controlling interests 43 63 56 55 53 Net result 1,101 1,173 1,185 1,178 1,010 Key figures Cost/income ratio 53.1% 53.5% 51.1% 50.1% 57.3% Risk costs in bps of average customer lending 21 14 15 17 14 Return on equity based on 13.0% CET1 3) 20.1% 22.1% 22.5% 22.4% 19.6% Risk-weighted assets (end of period) 176,605 174,398 170,294 169,466 168,680 Employees (internal FTEs, end of period) 44,764 45,003 45,519 45,606 45,325 Four-quarter rolling average key figures Cost/income ratio 52.0% 53.0% 53.9% 53.1% 53.2% Return on equity based on 13.0% CET1 3) 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. 3) Annualised after-tax return divided by average equity based on 13.0% of risk-weighted assets. Unaudited ING Group Historical Trend Data 1Q2026
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 Commercial net interest income 1,000 959 926 921 881 Other net interest income -61 -109 -169 -152 -143 Net interest income 939 850 757 769 739 Net fee and commission income 293 297 291 283 257 Investment income 0 -0 1 0 0 Realised gains and fair value changes on investments 4 1 3 2 2 Total investment income 5 1 3 2 2 Valuation result and net trading income 63 134 173 204 178 Other income 19 5 7 4 12 Total other income 81 139 180 209 190 Total income 1,319 1,286 1,231 1,263 1,188 Expenses excl. regulatory costs 481 527 514 498 483 Regulatory costs - 67 0 - - Operating expenses 481 594 514 498 483 Gross result 838 692 717 765 705 Addition to loan loss provisions 38 18 16 51 21 Result before tax 800 674 701 714 683 Taxation 208 179 185 199 170 Non-controlling interests - - - - - Net result 592 495 516 515 513 Key figures Cost/income ratio 36.5% 46.2% 41.7% 39.4% 40.7% Risk costs in bps of average customer lending 8 4 4 12 5 Return on equity based on 13.0% CET1 1) 33.1% 28.2% 29.7% 29.9% 30.0% Risk-weighted assets (end of period) 55,699 54,527 53,681 53,349 52,865 Employees (internal FTEs, end of period) 12,647 12,709 12,852 13,087 13,118 Four-quarter rolling average key figures Cost/income ratio 40.9% 42.0% 42.6% 42.2% 42.8% Return on equity based on 13.0% CET1 1) 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 1Q2026
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 Commercial net interest income 451 445 417 415 416 Other net interest income 14 23 16 29 26 Net interest income 465 467 432 443 442 Net fee and commission income 189 177 176 163 176 Investment income -3 2 0 0 -0 Realised gains and fair value changes on investments 0 1 0 -0 0 Total investment income -2 3 1 -0 0 Valuation result and net trading income 20 41 29 13 35 Other income 5 4 47 22 2 Total other income 25 44 77 36 37 Total income 676 692 685 643 655 Expenses excl. regulatory costs 367 422 426 382 386 Regulatory costs 182 34 -0 0 226 Operating expenses 549 457 426 382 613 Gross result 127 235 259 260 42 Addition to loan loss provisions 88 41 36 36 40 Result before tax 38 194 224 224 2 Taxation 10 53 62 57 5 Non-controlling interests 0 0 0 0 0 Net result 28 140 162 167 -3 Key figures Cost/income ratio 81.3% 66.0% 62.1% 59.5% 93.6% Risk costs in bps of average customer lending 36 16 14 15 16 Return on equity based on 13.0% CET1 2) 2.4% 12.1% 14.0% 14.4% -0.3% Risk-weighted assets (end of period) 35,130 36,166 35,484 35,745 35,777 Employees (internal FTEs, end of period) 7,190 7,404 7,558 7,446 7,334 Four-quarter rolling average key figures Cost/income ratio 67.3% 70.2% 71.4% 69.0% 67.5% Return on equity based on 13.0% CET1 2) 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 1Q2026
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 Commercial net interest income 583 570 585 545 569 Other net interest income1) 43 24 62 47 53 Net interest income 627 594 648 592 622 Net fee and commission income 157 210 135 139 147 Investment income -0 0 0 1 0 Realised gains and fair value changes on investments 2 0 - -0 2 Total investment income 2 1 0 0 2 Valuation result and net trading income -51 4 -32 -35 -48 Other income 2 4 3 2 2 Total other income -49 8 -29 -34 -46 Total income 737 812 754 699 726 Expenses excl. regulatory costs 346 328 347 318 337 Regulatory costs -5 18 -11 13 12 Operating expenses 341 346 336 331 350 Gross result 396 466 418 368 377 Addition to loan loss provisions 46 31 62 42 35 Result before tax 350 435 355 325 342 Taxation 112 141 115 113 103 Non-controlling interests 0 1 1 0 0 Net result 237 293 240 212 238 Key figures Cost/income ratio 46.3% 42.6% 44.6% 47.4% 48.1% Risk costs in bps of average customer lending 16 11 22 15 13 Return on equity based on 13.0% CET1 2) 25.0% 31.8% 26.5% 23.4% 26.7% Risk-weighted assets (end of period) 29,851 28,730 28,130 27,678 28,288 Employees (internal FTEs, end of period) 6,389 6,393 6,336 6,209 6,117 Four-quarter rolling average key figures Cost/income ratio 45.1% 45.6% 48.2% 47.8% 46.2% Return on equity based on 13.0% CET1 2) 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 1Q2026
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 Commercial net interest income 987 940 911 927 920 Other net interest income 72 68 44 34 48 Net interest income 1,060 1,008 955 961 968 Net fee and commission income 223 180 181 176 180 Investment income 0 0 0 2 - Realised gains and fair value changes on investments -0 8 1 2 1 Total investment income -0 9 1 4 1 Valuation result and net trading income 13 43 65 81 68 Other income 13 9 7 6 5 Total other income 25 53 72 87 73 Total income 1,308 1,249 1,210 1,227 1,222 Expenses excl. regulatory costs 676 673 645 656 644 Regulatory costs 97 91 60 53 83 Operating expenses 773 764 705 709 727 Gross result 535 485 505 518 495 Addition to loan loss provisions 103 86 78 81 78 Result before tax 431 399 427 437 417 Taxation 146 93 103 99 102 Non-controlling interests 42 63 56 54 52 Net result 243 244 268 284 262 Key figures Cost/income ratio 59.1% 61.2% 58.3% 57.8% 59.5% Risk costs in bps of average customer lending 32 27 25 27 26 Return on equity based on 13.0% CET1 2) 15.8% 17.5% 18.8% 19.9% 19.1% Risk-weighted assets (end of period) 55,924 54,975 53,000 52,695 51,750 Employees (internal FTEs, end of period) 18,537 18,496 18,773 18,864 18,756 Four-quarter rolling average key figures Cost/income ratio 59.1% 59.2% 59.5% 58.7% 59.9% Return on equity based on 13.0% CET1 2) 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 1Q2026
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 Commercial net interest income 1,038 1,014 984 964 1,007 Other net interest income -150 -192 -220 -296 -263 Net interest income 888 822 763 668 744 Net fee and commission income 372 354 383 360 336 Investment income 4 0 0 1 0 Realised gains and fair value changes on investments -1 2 1 2 1 Total investment income 3 2 1 3 2 Valuation result and net trading income 468 571 659 645 696 Other income 4 -3 4 18 -18 Total other income 473 569 663 662 678 Total income 1,735 1,747 1,810 1,694 1,758 Expenses excl. regulatory costs 906 883 884 980 871 Regulatory costs 49 151 18 12 39 Operating expenses 955 1,034 902 991 910 Gross result 781 714 908 702 848 Addition to loan loss provisions 62 188 134 89 138 Result before tax 719 526 774 614 710 Taxation 199 130 202 126 216 Non-controlling interests 7 15 14 7 12 Net result 513 381 559 480 482 Key figures Cost/income ratio 55.0% 59.1% 49.8% 58.5% 51.8% Income over average risk-weighted assets (in bps) 1) 466 469 486 454 466 Risk costs in bps of average customer lending 12 38 28 19 29 Return on equity based on 13.0% CET1 2) 10.7% 8.2% 11.8% 10.1% 10.1% Risk-weighted assets (end of period) 149,182 148,560 149,257 148,467 149,676 Employees (internal FTEs, end of period) 17,335 17,453 17,488 17,380 17,287 Value at Risk trading positions (average) 10.4 13.2 14.7 13.9 14.0 Four-quarter rolling average key figures Cost/income ratio 55.6% 54.7% 55.5% 55.4% 51.9% Return on equity based on 13.0% CET1 2) 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 1Q2026
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 WB Lending Total income 818 837 884 780 785 Income over average risk-weighted assets (in bps) 1) 346 350 374 334 323 Risk-weighted assets (end of period) 94,143 94,930 96,640 92,665 94,194 WB Daily Banking & Trade Finance Total income 487 481 449 463 495 Income over average risk-weighted assets (in bps) 1) 1,064 1,108 1,069 1,091 1,233 Risk-weighted assets (end of period) 18,180 18,477 16,222 17,368 16,578 WB Financial Markets Total income 370 334 391 371 415 Income over average risk-weighted assets (in bps) 1) 514 468 522 476 551 Risk-weighted assets (end of period) 29,520 28,096 29,068 30,979 31,374 WB Treasury & Other Total income 60 95 86 79 64 Income over average risk-weighted assets (in bps) 1) 333 528 464 421 339 Risk-weighted assets (end of period) 7,339 7,058 7,327 7,454 7,529 Total Wholesale Banking Total income 1,735 1,747 1,810 1,694 1,758 Income over average risk-weighted assets (in bps) 1) 466 469 486 454 466 Risk-weighted assets (end of period) 149,182 148,560 149,257 148,467 149,676 1) Annualised total income divided by average risk-weighted assets. Unaudited ING Group Historical Trend Data 1Q2026
Slide 13 — ING 1.11 Profit or loss: Corporate Line
ING 1.11 Profit or loss: Corporate Line Profit or loss Corporate Line In € million 4Q2026 3Q2026 2Q2026 1Q2026 1) 4Q2025 3Q2025 2Q2025 1Q2025 Commercial net interest income - - - - - Other net interest income 76 76 149 102 107 Net interest income 76 76 149 102 107 Net fee and commission income 2 3 -0 -0 -2 Investment income 0 0 59 31 20 Realised gains and fair value changes on investments -0 -0 0 -19 -0 Total investment income 0 0 59 12 20 Valuation result and net trading income -33 -97 -9 47 -44 Other income 4 29 10 16 6 Total other income -29 -68 0 63 -38 Total income 48 11 208 177 88 Expenses excl. regulatory costs 119 143 129 122 117 Regulatory costs 1 0 0 -0 0 Operating expenses 120 143 129 122 117 Gross result -72 -133 79 55 -30 Addition to loan loss provisions 9 0 0 0 0 Result before tax -81 -133 78 55 -30 Taxation -23 11 36 38 7 Non-controlling interests - - - - - Net result -58 -143 43 17 -37 Key figures Risk-weighted assets (end of period) 18,516 17,781 16,644 17,871 18,863 Employees (internal FTEs, end of period) 213 30 18 13 70 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 Result before tax 26 26 106 91 28 Risk-weighted assets (end of period) 9,534 9,426 9,117 10,139 9,327 2) Financial stakes contains ING's stake in TMBThanachart Bank (TTB), Bank of Beijing and Van Lanschot Kempen. Market value3) - Financial stakes In € million 31 Mar 2026 TMBThanachart Bank (TTB) (23.1%) 1,292 Bank of Beijing (13.0%) 1,908 Van Lanschot Kempen (20.3%) 496 Total valuation 3,695 3) Value of ING's stake, based on Bloomberg end of quarter data and FX rates. Unaudited ING Group Historical Trend Data 1Q2026
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 Retail Netherlands Commercial net interest income 1,000 959 926 921 881 Net fee and commission income 293 297 291 283 257 All other income 26 31 15 59 49 Total income Retail Netherlands 1,319 1,286 1,231 1,263 1,188 Retail Belgium1) Commercial net interest income 451 445 417 415 416 Net fee and commission income 189 177 176 163 176 All other income 36 70 93 65 63 Total income Retail Belgium1) 676 692 685 643 655 Retail Germany Commercial net interest income 583 570 585 545 569 Net fee and commission income 157 210 135 139 147 All other income -4 32 33 14 10 Total income Retail Germany 737 812 754 699 726 Retail Other Commercial net interest income 987 940 911 927 920 Net fee and commission income 223 180 181 176 180 All other income 97 130 118 125 122 Total income Retail Other 1,308 1,249 1,210 1,227 1,222 Retail Banking1) Commercial net interest income 3,021 2,913 2,839 2,808 2,787 Net fee and commission income 862 863 783 762 760 All other income 156 262 258 262 243 Total income Retail Banking1) 4,039 4,039 3,880 3,832 3,791 WB Lending Commercial net interest income 706 691 675 649 664 Net fee and commission income 137 155 198 148 121 All other income -26 -9 11 -16 0 Total income WB Lending 818 837 884 780 785 WB Daily Banking & Trade Finance Commercial net interest income 323 315 301 306 335 Net fee and commission income 149 144 136 142 146 All other income 15 21 12 15 13 Total income WB Daily Banking & Trade Finance 487 481 449 463 495 WB Financial Markets Commercial net interest income - - - - - Net fee and commission income 74 48 53 59 61 All other income 297 286 339 313 354 Total income WB Financial Markets 370 334 391 371 415 WB Treasury & Other Commercial net interest income 9 8 8 8 8 Net fee and commission income 12 6 -4 12 7 All other income 39 81 82 58 49 Total income WB Treasury & Other 60 95 86 79 64 Wholesale Banking Commercial net interest income 1,038 1,014 984 964 1,007 Net fee and commission income 372 354 383 360 336 All other income 326 379 444 369 416 Total income Wholesale Banking 1,735 1,747 1,810 1,694 1,758 Corporate Line1) Commercial net interest income - - - - - Net fee and commission income 2 3 -0 -0 -2 All other income 47 8 208 177 89 Total income Corporate Line1) 48 11 208 177 88 ING Group Commercial net interest income 4,060 3,928 3,823 3,772 3,794 Net fee and commission income 1,236 1,221 1,165 1,122 1,094 All other income 528 649 910 809 749 Total income ING Group 5,823 5,797 5,898 5,702 5,637 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 1Q2026
Slide 15 — ING 1.13 Geographical split: 1Q2026
ING 1.13 Geographical split: 1Q2026 Geographical split 1Q2026 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 1,239 1,000 239 564 451 113 689 583 105 539 446 93 635 542 94 394 394 -0 -0 - Other net interest income -253 -61 -192 23 14 8 53 43 10 24 20 4 58 52 6 14 14 76 -0 76 Net interest income 986 939 47 586 465 121 742 627 116 563 466 97 693 594 99 409 409 76 -0 76 Net fee and commission income 364 293 70 258 189 69 174 157 17 105 77 28 174 147 28 160 160 2 - 2 Investment income 6 5 2 -2 -2 0 2 2 0 -0 -0 -0 -0 -0 -0 0 0 1 1 0 Other income 313 81 232 27 25 3 -52 -49 -3 14 3 12 49 23 26 200 200 -26 4 -29 Total income 1,669 1,319 351 869 676 193 866 737 130 681 545 137 916 763 153 769 769 52 4 48 Expenses excl. regulatory costs 708 481 227 457 367 89 403 346 57 377 330 47 408 346 62 423 423 120 1 119 Regulatory costs - - - 199 182 17 -5 -5 -0 4 4 - 121 93 28 4 4 1 - 1 Operating expenses 708 481 227 656 549 106 398 341 57 381 334 47 529 439 90 427 427 121 1 120 Gross result 961 838 123 213 127 86 469 396 73 301 211 90 387 324 63 342 342 -68 3 -72 Addition to loan loss provisions 51 38 14 97 88 9 103 46 57 -35 48 -82 68 56 12 53 53 9 - 9 Result before tax 909 800 109 116 38 78 366 350 16 335 163 172 319 269 51 290 290 -78 3 -81 Retail Banking 800 800 38 38 350 350 163 163 269 269 Wholesale Banking 109 109 78 78 16 16 172 172 51 51 290 290 3 3 Corporate Line -81 -81 Result before tax 909 800 109 116 38 78 366 350 16 335 163 172 319 269 51 290 290 -78 3 -81 Customer lending/deposits (in € billion) Residential mortgages 129.2 130.1 -0.8 42.6 42.7 -0.0 100.5 100.9 -0.4 82.3 82.3 0.0 19.3 19.1 0.1 0.0 0.0 2.4 0.0 2.4 Other customer lending 80.6 53.4 27.3 71.8 54.3 17.5 48.9 16.4 32.5 28.5 7.8 20.7 36.1 23.4 12.8 100.4 100.4 1.4 0.0 1.4 Customer deposits 268.1 223.6 44.6 113.5 97.0 16.5 160.9 159.2 1.7 111.3 109.9 1.4 76.6 69.1 7.6 22.1 22.1 0.5 0.0 0.5 Key figures Cost/income ratio 42.4% 36.5% 64.9% 75.5% 81.3% 55.1% 45.9% 46.3% 43.8% 55.9% 61.3% 34.1% 57.8% 57.5% 58.9% 55.5% 55.5% Risk costs in bps of average customer lending 10 8 22 33 36 19 28 16 72 -13 22 -163 49 52 39 21 21 Return on equity based on 13.0% CET1 2) 25.1% 33.1% 8.8% 5.5% 2.4% 14.9% 18.3% 25.0% 2.7% 19.9% 14.3% 31.8% 15.6% 17.1% 10.9% 8.9% 8.9% Risk-weighted assets (end of period) 82,568 55,699 26,869 46,823 35,130 11,693 42,061 29,851 12,209 35,527 24,407 11,120 40,729 31,517 9,212 78,010 78,010 18,585 69 18,516 Employees (internal FTEs, end of period) 20,927 12,647 8,280 8,531 7,190 1,340 7,202 6,389 813 6,947 6,434 513 13,545 12,103 1,443 4,945 4,945 213 213 Four-quarter rolling average key figures Cost/income ratio 47.6% 40.9% 71.5% 64.0% 67.3% 52.1% 44.6% 45.1% 41.4% 57.8% 64.4% 33.0% 55.1% 55.4% 53.5% 55.9% 55.9% Return on equity based on 13.0% CET1 2) 22.2% 30.2% 7.1% 11.2% 10.7% 12.9% 20.9% 26.7% 8.3% 15.4% 13.3% 19.7% 20.1% 21.6% 15.1% 9.2% 9.2% 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 1Q2026
Slide 16 — 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 31 Mar 2026 31 Dec 2025 31 Mar 2026 31 Dec 2025 31 Mar 2026 31 Dec 2025 Cash and balances with central banks 68,587 52,889 68,587 52,889 Loans and advances to banks 31,248 21,204 31,248 21,204 0 0 Financial assets at fair value through profit or loss - trading assets 61,862 55,730 61,867 55,734 -4 -3 - non-trading derivatives 1,983 1,657 1,983 1,657 - designated as at fair value through profit or loss 3,290 3,448 3,290 3,448 - mandatorily at fair value through profit or loss 90,036 72,322 90,036 72,322 Financial assets at fair value OCI - equity securities FV OCI 2,712 2,607 2,712 2,607 - debt securities FV OCI 56,618 50,817 56,618 50,817 - loans and advances FV OCI 3,225 3,238 3,225 3,238 Securities at amortised cost 63,614 53,867 63,614 53,867 Loans and advances to customers - customer lending 744,039 727,599 744,135 727,691 -96 -92 - provision for loan losses -5,996 -5,894 -5,996 -5,894 Investments in associates and joint ventures 1,524 1,607 1,524 1,607 Property and equipment 2,589 2,478 2,589 2,478 Intangible assets 1,552 1,510 1,552 1,510 Current tax assets 524 458 561 491 -37 -33 Deferred tax assets 996 893 996 893 Other assets1) 9,107 7,975 9,095 7,965 12 9 Total assets 1,137,511 1,054,405 1,137,636 1,054,525 -126 -119 1) Other assets per 31 December 2025 includes €164 million assets held for sale. ING Group ING Bank Holding/Eliminations Unaudited ING Group Historical Trend Data 1Q2026
Slide 17 — 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 68,587 52,889 82,871 75,565 94,098 Loans and advances to banks 31,248 21,204 35,628 50,080 36,414 Financial assets at fair value through profit or loss - trading assets 61,862 55,730 60,689 64,744 67,275 - non-trading derivatives 1,983 1,657 1,597 2,075 1,810 - designated as at fair value through profit or loss 3,290 3,448 4,054 3,951 5,266 - mandatorily at fair value through profit or loss 90,036 72,322 80,753 81,715 75,944 Financial assets at fair value OCI - equity securities FV OCI 2,712 2,607 2,540 2,753 2,591 - debt securities FV OCI 56,618 50,817 49,340 45,618 43,307 - loans and advances FV OCI 3,225 3,238 1,877 1,475 1,507 Securities at amortised cost 63,614 53,867 54,107 53,805 53,668 Loans and advances to customers - customer lending 744,039 727,599 709,034 694,664 688,481 - provision for loan losses -5,996 -5,894 -5,828 -5,771 -5,841 Investments in associates and joint ventures 1,524 1,607 1,552 1,536 1,663 Property and equipment 2,589 2,478 2,432 2,418 2,399 Intangible assets 1,552 1,510 1,459 1,409 1,374 Current tax assets 524 458 383 489 450 Deferred tax assets 996 893 929 949 1,012 Other assets1) 9,107 7,975 8,942 9,285 7,485 Total assets 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 includes €164 million and €205 million assets held for sale respectively. Unaudited ING Group Historical Trend Data 1Q2026
Slide 18 — 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 31 Mar 2026 31 Dec 2025 31 Mar 2026 31 Dec 2025 31 Mar 2026 31 Dec 2025 Deposits from banks 32,392 18,517 32,414 18,539 -22 -22 Customer deposits 753,063 721,367 755,916 724,707 -2,854 -3,340 Financial liabilities at fair value through profit or loss - trading liabilities 28,142 23,427 28,142 23,427 - non-trading derivatives 1,618 1,338 1,618 1,338 - designated as at fair value through profit or loss 71,678 55,768 71,674 55,764 4 4 Current tax liability 407 411 407 411 0 Deferred tax liabilities 319 365 319 365 0 0 Provisions 916 941 887 913 29 27 Other liabilities 14,012 11,989 13,909 10,755 103 1,234 Debt securities in issue 163,281 151,231 114,974 103,116 48,307 48,116 Senior non-preferred debt 48,281 48,090 -48,281 -48,090 Subordinated loans 19,617 18,100 19,619 18,100 -1 -1 Total liabilities 1,085,446 1,003,452 1,088,160 1,005,525 -2,714 -2,073 Shareholders' equity 50,872 49,698 48,284 47,744 2,588 1,953 Non-controlling interests 1,192 1,255 1,192 1,255 Total equity 52,064 50,953 49,476 48,999 2,588 1,953 Total liabilities and equity 1,137,511 1,054,405 1,137,636 1,054,525 -126 -119 ING Group ING Bank Holding/Eliminations Unaudited ING Group Historical Trend Data 1Q2026
Slide 19 — 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 32,392 18,517 26,694 20,891 21,158 Customer deposits 753,063 721,367 736,134 738,079 733,706 Financial liabilities at fair value through profit or loss - trading liabilities 28,142 23,427 23,237 26,387 25,933 - non-trading derivatives 1,618 1,338 1,456 2,499 1,594 - designated as at fair value through profit or loss 71,678 55,768 68,453 64,637 60,792 Current tax liability 407 411 443 359 302 Deferred tax liabilities 319 365 314 310 332 Provisions 916 941 791 765 715 Other liabilities 14,012 11,989 13,793 15,104 13,258 Debt securities in issue 163,281 151,231 151,360 151,016 151,228 Subordinated loans 19,617 18,100 19,116 16,566 17,092 Total liabilities 1,085,446 1,003,452 1,041,792 1,036,614 1,026,109 Shareholders' equity 50,872 49,698 49,447 49,115 51,675 Non-controlling interests 1,192 1,255 1,120 1,031 1,119 Total equity 52,064 50,953 50,567 50,146 52,794 Total liabilities and equity 1,137,511 1,054,405 1,092,359 1,086,760 1,078,904 Unaudited ING Group Historical Trend Data 1Q2026
Slide 20 — ING 2.5 Total Equity: Comparable quarters
ING 2.5 Total Equity: Comparable quarters ING Group: Total equity In € million 31 Mar 2026 31 Dec 2025 31 Mar 2026 31 Dec 2025 31 Mar 2026 31 Dec 2025 Share capital 29 30 525 525 -496 -495 Share premium 17,116 17,116 16,542 16,542 575 575 Revaluation reserve equity securities 1,531 1,444 1,531 1,444 Revaluation reserve debt instruments -106 -41 -106 -41 Revaluation reserve cashflow hedge -1,613 -1,096 -1,613 -1,096 Other revaluation reserve 155 156 155 156 Remeasurement of the net defined benefit asset/liability -335 -345 -335 -345 Currency translation reserve -2,613 -2,774 -2,613 -2,774 0 0 Treasury shares -1,023 -2,404 -1,023 -2,404 Liability credit reserve -36 -49 -36 -49 Retained earnings and other reserves 36,211 31,334 32,684 27,157 3,527 4,177 Net result year to date 1,556 6,327 1,550 6,226 6 101 Shareholders' equity 50,872 49,698 48,284 47,744 2,588 1,953 Non-controlling interests 1,192 1,255 1,192 1,255 Total equity 52,064 50,953 49,476 48,999 2,588 1,953 Key figures Shareholders' equity per share in € 17.68 17.12 Shares outstanding in the market (in million) 2,877 2,902 ING Group ING Bank Holding/Eliminations Unaudited ING Group Historical Trend Data 1Q2026
Slide 21 — 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 30 30 31 31 Share premium 17,116 17,116 17,116 17,116 17,116 Revaluation reserve equity securities 1,531 1,444 1,369 1,838 1,697 Revaluation reserve debt instruments -106 -41 -260 -302 -412 Revaluation reserve cashflow hedge -1,613 -1,096 -1,156 -1,199 -1,522 Other revaluation reserve 155 156 146 146 151 Remeasurement of the net defined benefit asset/liability -335 -345 -334 -341 -326 Currency translation reserve -2,613 -2,774 -2,846 -2,798 -2,168 Treasury shares -1,023 -2,404 -1,670 -2,746 -1,528 Liability credit reserve -36 -49 -44 -20 6 Retained earnings and other reserves 36,211 31,334 32,180 34,260 37,175 Net result year to date 1,556 6,327 4,917 3,130 1,455 Shareholders' equity 50,872 49,698 49,447 49,115 51,675 Non-controlling interests 1,192 1,255 1,120 1,031 1,119 Total equity 52,064 50,953 50,567 50,146 52,794 Key figures Shareholders' equity per share in € 17.68 17.12 16.84 16.48 16.94 Unaudited ING Group Historical Trend Data 1Q2026
Slide 22 — ING 2.7 Capital position
ING 2.7 Capital position Capital position In € million 31 Mar 2026 31 Dec 2025 31 Mar 2026 31 Dec 2025 Shareholders' equity (parent) 50,872 49,698 48,284 47,744 - Reserved profit not included in CET1 capital -3,681 -2,125 -1,549 -699 - Minority interests, counting as CET1 capital 614 575 614 575 - Goodwill and intangibles deductible from CET1 -1,214 -1,197 -1,214 -1,197 - Deferred tax liabilities associated to intangible assets 34 31 34 31 - Shortfall on expected loan loss provision -1,098 -1,132 -1,098 -1,132 - Adjustment Revaluation reserve bonds - Adjustment Revaluation reserve equity - Adjustment Revaluation reserve real estate - Adjustment Revaluation reserve cash flow hedge 1,785 1,268 1,785 1,268 - Treasury shares (ING Group) -4 -3 - Prudent Valuation adjustment -801 -731 -800 -731 - Own credit risk 36 49 36 49 - Defined benefit remeasurement - Defined benefit pension fund assets -427 -413 -427 -413 - Deferred tax assets -38 -52 -38 -52 - Own credit risk adjustments to derivatives (DVA) -44 -32 -44 -32 - Irrevocable Payment Commitment (IPC) -683 -688 -683 -688 - Excess of provisions over expected losses eligible - Non-Performing Exposure Prudential Backstop (Pillar I) -288 -255 -288 -255 - Non-Performing Exposure Prudential Backstop (Pillar II) -338 -430 Regulatory adjustments -6,143 -5,130 -3,676 -3,279 Available common equity Tier 1 capital 44,729 44,567 44,608 44,465 Subordinated loans qualifying as Tier 1 capital 8,999 7,459 9,000 7,460 Regulatory adjustments additional Tier 1 114 112 114 112 Available Tier 1 capital 53,842 52,138 53,722 52,037 Supplementary capital - Tier 2 bonds 9,068 10,608 9,069 10,609 Regulatory adjustments Tier 2 106 98 106 98 Available BIS capital 63,016 62,845 62,896 62,744 Risk-weighted assets 344,303 340,739 343,744 340,186 Common equity Tier 1 ratio 13.0% 13.1% 13.0% 13.1% Tier 1 ratio 15.6% 15.3% 15.6% 15.3% Total capital ratio 18.3% 18.4% 18.3% 18.4% ING Group ING Bank Unaudited ING Group Historical Trend Data 1Q2026
Slide 23 — ING 2.8 Funding
ING 2.8 Funding ING Group: Maturity ladder outstanding long-term debt 31 March 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 2,457 2,637 1,983 3,142 1,445 910 1,471 259 221 341 421 2,515 ING Bank covered bond 6,467 6,839 750 2,531 4,100 5,695 7,004 6,234 2,649 4,508 2,586 1,276 750 2,700 ING Bank RMBS 1,745 914 1,000 4,735 ING Group senior debt 2) 9,752 7,562 5,103 1,302 4,070 7,189 7,301 7,754 3,829 4,775 1,954 2,760 3,925 4,919 ING Bank Tier 2 140 124 ING Group Tier 2 2,500 2,500 1,500 0 1,726 1,858 1,250 1,750 2,500 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 31 Mar 2026 31 Dec 2025 Loan-to-deposit ratio 0.98 1.00 Funding mix Customer deposits (private individuals) 50% 53% Customer deposits (other) 22% 22% Repurchase agreements 7% 5% Interbank 3% 2% CD/CP 6% 5% Long-term senior debt 10% 11% 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 1Q2026
Slide 24 — ING 2.9 Investments: ING Group
ING 2.9 Investments: ING Group ING Group: Investments - 31 March 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 63.6 56.6 -0.1 3.2 123.5 -0.1 of which Government bonds 28.4 35.1 -0.0 0.2 63.7 -0.0 of which Central bank bonds 6.3 6.3 0.0 of which Sub-sovereign, Supranationals and Agencies 19.7 17.3 -0.0 0.4 37.5 -0.0 of which Covered bonds 5.3 3.5 0.0 8.8 0.0 of which Corporate bonds 0.1 0.1 0.0 0.1 0.2 0.0 of which Financial institutions bonds 0.1 0.1 -0.0 1.6 1.7 -0.0 of which asset-backed securities 3.7 0.6 -0.0 0.9 5.2 -0.0 Total equity securities 2.7 1.5 2.7 1.5 Total Investments 63.6 59.3 1.5 3.2 126.2 1.5 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 1Q2026
Slide 25 — ING 3.1 Customer lending/deposits: 1Q2026 Segment split
ING 3.1 Customer lending/deposits: 1Q2026 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 369.1 370.2 127.7 44.9 99.9 97.7 -1.2 0.0 0.0 0.0 -1.2 0.0 Net core lending growth 5.9 5.9 2.2 0.3 1.3 2.1 0.0 - - - 0.0 0.0 Treasury -0.5 -0.5 -0.1 -0.1 -0.3 -0.0 -0.0 - - - -0.0 - Acquisitions / divestments / run-off1) 0.2 0.3 0.3 - - - - - - - - -0.1 FX impact and other4) 1.6 -0.8 - -2.5 - 1.6 - - - - - 2.5 End 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 Other customer lending Beginning of period 358.5 154.0 51.5 55.2 16.6 30.7 204.2 151.0 36.8 8.9 7.6 0.3 Net core lending growth 9.1 3.5 1.9 -0.0 0.6 1.0 5.6 7.8 -3.1 0.9 -0.0 - Treasury -0.9 -0.7 0.1 0.3 -0.8 -0.3 -0.2 - - - -0.2 - Acquisitions / divestments / run-off2) -0.4 -0.1 -0.1 - - - -0.1 - - - -0.1 -0.2 FX impact and other4) 1.3 -1.4 - -1.2 - -0.2 1.5 1.1 0.4 - -0.0 1.3 End 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 Customer deposits Beginning of period 721.4 636.8 209.1 96.5 157.7 173.4 84.6 0.0 63.5 16.4 4.7 0.0 Net core deposits growth 7.2 4.3 -0.1 0.5 0.8 3.1 2.9 0.0 5.0 -1.7 -0.4 0.0 Treasury 24.2 17.9 14.6 0.7 0.7 1.8 6.3 - - - 6.3 - Acquisitions / divestments / run-off3) -0.4 -0.1 -0.1 - - - -0.0 - - - -0.0 -0.2 FX impact and other4) 0.7 -0.2 - -0.8 - 0.6 0.1 0.0 -0.1 0.2 -0.0 0.8 End 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 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. 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. Unaudited ING Group Historical Trend Data 1Q2026
Slide 26 — 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 369.1 362.0 354.3 348.9 345.2 Net core lending growth 5.9 7.6 7.7 7.2 6.0 Treasury -0.5 -1.1 -0.3 0.1 -1.0 Acquisitions / divestments / run-off1) 0.2 -0.1 -0.1 -0.1 -0.1 FX impact and other4) 5) 1.6 0.7 0.3 -1.8 -1.3 End of period 376.3 369.1 362.0 354.3 348.9 Other customer lending Beginning of period 358.5 347.1 340.3 339.6 340.9 Net core lending growth 9.1 12.8 6.5 8.2 0.8 Treasury -0.9 0.1 0.9 -1.4 0.8 Acquisitions / divestments / run-off2) -0.4 -0.1 -0.1 -0.1 -0.1 FX impact and other4) 5) 6) 7) 1.3 -1.4 -0.7 -5.9 -2.8 End of period 367.7 358.5 347.1 340.3 339.6 Customer deposits Beginning of period 721.4 736.1 738.1 733.7 691.7 Net core deposits growth 7.2 9.5 -0.2 6.2 22.6 Treasury 24.2 -24.8 -1.5 1.2 20.4 Acquisitions / divestments / run-off3) -0.4 -0.0 -0.0 -0.0 -0.0 FX impact and other4) 0.7 0.6 -0.3 -3.0 -1.0 End of period 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 1Q2026
Slide 27 — 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 370.2 362.9 355.2 349.8 345.9 Net core lending growth 5.9 7.6 7.7 7.2 6.0 Treasury -0.5 -0.9 -0.2 0.1 -0.8 Acquisitions / divestments / run-off1) 0.3 -0.1 -0.1 -0.1 -0.1 FX impact and other2) 4) -0.8 0.7 0.3 -1.8 -1.3 End of period 375.1 370.2 362.9 355.2 349.8 Other customer lending Beginning of period 154.0 151.7 150.4 147.6 144.1 Net core lending growth 3.5 2.5 0.9 4.1 2.6 Treasury -0.7 0.1 0.8 -1.1 0.7 Acquisitions / divestments / run-off1) -0.1 -0.0 -0.0 -0.0 -0.0 FX impact and other2) 3) 4) -1.4 -0.2 -0.5 -0.2 0.3 End of period 155.3 154.0 151.7 150.4 147.6 Customer deposits Beginning of period 636.8 642.3 650.9 643.1 612.0 Net core deposits growth 4.3 11.3 -7.1 8.9 17.0 Treasury 17.9 -17.4 -1.5 1.2 14.7 Acquisitions / divestments / run-off -0.1 -0.0 -0.0 -0.0 -0.0 FX impact and other2) -0.2 0.6 -0.0 -2.3 -0.5 End of period 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 1Q2026
Slide 28 — 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 127.7 125.3 122.6 120.0 117.8 Net core lending growth 2.2 2.8 2.8 2.8 2.7 Treasury -0.1 -0.3 -0.1 -0.1 -0.3 Acquisitions / divestments / run-off1) 0.3 -0.1 -0.1 -0.1 -0.1 FX impact and other End of period 130.1 127.7 125.3 122.6 120.0 Other customer lending Beginning of period 51.5 50.1 49.2 48.0 46.5 Net core lending growth 1.9 1.0 1.1 1.3 1.7 Treasury 0.1 0.4 -0.2 -0.1 -0.2 Acquisitions / divestments / run-off1) -0.1 -0.0 -0.0 -0.0 -0.0 FX impact and other End of period 53.4 51.5 50.1 49.2 48.0 Customer deposits Beginning of period 209.1 220.0 218.3 215.2 200.7 Net core deposits growth -0.1 5.4 0.9 5.1 0.2 Treasury 14.6 -16.2 0.7 -2.0 14.4 Acquisitions / divestments / run-off -0.1 -0.0 -0.0 -0.0 -0.0 FX impact and other End of period 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 1Q2026
Slide 29 — 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 44.9 44.5 44.4 44.4 44.6 Net core lending growth 0.3 0.3 0.2 0.3 0.1 Treasury -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 42.7 44.9 44.5 44.4 44.4 Other customer lending Beginning of period 55.2 54.2 55.4 53.6 53.7 Net core lending growth -0.0 1.0 -1.2 1.5 -0.2 Treasury 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 54.3 55.2 54.2 55.4 53.6 Customer deposits Beginning of period 96.5 96.4 98.0 97.0 97.1 Net core deposits growth 0.5 0.2 -1.5 1.0 -0.3 Treasury 0.7 -0.1 -0.0 -0.0 0.2 Acquisitions / divestments / run-off FX impact and other2) -0.8 End of period 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 1Q2026
Slide 30 — 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 99.9 99.0 97.3 95.8 95.1 Net core lending growth 1.3 1.3 1.8 1.2 1.0 Treasury -0.3 -0.4 -0.0 0.2 -0.3 Acquisitions / divestments / run-off FX impact and other End of period 100.9 99.9 99.0 97.3 95.8 Other customer lending Beginning of period 16.6 16.5 16.0 15.9 15.1 Net core lending growth 0.6 0.4 0.2 0.5 0.5 Treasury -0.8 -0.2 0.5 -0.4 0.3 Acquisitions / divestments / run-off FX impact and other1) -0.3 End of period 16.4 16.6 16.5 16.0 15.9 Customer deposits Beginning of period 157.7 157.2 165.5 166.4 151.1 Net core deposits growth 0.8 0.8 -8.4 -1.1 15.3 Treasury 0.7 -0.3 0.1 0.2 -0.0 Acquisitions / divestments / run-off FX impact and other End of period 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 1Q2026
Slide 31 — 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 97.7 94.1 90.9 89.5 88.4 Net core lending growth 2.1 3.2 2.9 2.9 2.2 Treasury -0.0 -0.0 -0.0 0.0 Acquisitions / divestments / run-off FX impact and other 1.6 0.4 0.3 -1.5 -1.1 End of period 101.4 97.7 94.1 90.9 89.5 Other customer lending Beginning of period 30.7 30.9 29.7 30.2 28.8 Net core lending growth 1.0 0.2 0.8 0.8 0.6 Treasury -0.3 -0.4 0.5 -0.6 0.7 Acquisitions / divestments / run-off FX impact and other -0.2 0.1 -0.1 -0.6 0.1 End of period 31.2 30.7 30.9 29.7 30.2 Customer deposits Beginning of period 173.4 168.7 169.0 164.5 163.2 Net core deposits growth 3.1 4.9 2.0 3.9 1.8 Treasury 1.8 -0.7 -2.3 3.0 0.0 Acquisitions / divestments / run-off FX impact and other 0.6 0.6 -0.0 -2.3 -0.5 End of period 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 1Q2026
Slide 32 — 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 -0.9 -0.9 -0.9 -0.7 Net core lending growth 0.0 0.0 0.0 0.0 0.0 Treasury -0.0 -0.2 -0.1 0.0 -0.2 Acquisitions / divestments / run-off FX impact and other End of period -1.2 -1.2 -0.9 -0.9 -0.9 Other customer lending Beginning of period 204.2 195.2 189.7 191.7 196.5 Net core lending growth 5.6 10.3 5.7 4.1 -1.8 Treasury -0.2 0.1 0.1 -0.4 0.1 Acquisitions / divestments / run-off1) -0.1 -0.1 -0.1 -0.1 -0.1 FX impact and other2) 1.5 -1.2 -0.2 -5.7 -3.1 End of period 211.1 204.2 195.2 189.7 191.7 Customer deposits Beginning of period 84.6 93.9 87.2 90.6 79.6 Net core deposits growth 2.9 -1.8 6.9 -2.7 5.6 Treasury 6.3 -7.4 0.0 0.0 5.8 Acquisitions / divestments / run-off -0.0 FX impact and other 0.1 -0.0 -0.2 -0.7 -0.4 End of period 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 1Q2026
Slide 33 — 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 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 Other customer lending Beginning of period 151.0 148.4 143.9 149.6 152.3 Net core lending growth 7.8 2.4 4.7 -1.2 -0.3 Treasury Acquisitions / divestments / run-off FX impact and other 1.1 0.1 -0.2 -4.5 -2.4 End of period 159.8 151.0 148.4 143.9 149.6 Customer deposits Beginning of period 0.0 0.0 0.0 0.1 0.4 Net core deposits growth 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 End of period 0.0 0.0 0.0 0.0 0.1 Unaudited ING Group Historical Trend Data 1Q2026
Slide 34 — 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 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 Other customer lending Beginning of period 36.8 31.7 30.9 27.2 28.0 Net core lending growth -3.1 6.4 0.8 4.9 -1.3 Treasury Acquisitions / divestments / run-off FX impact and other1) 2) 0.4 -1.3 -0.0 -1.2 0.4 End of period 34.1 36.8 31.7 30.9 27.2 Customer deposits Beginning of period 63.5 67.1 62.8 66.5 62.4 Net core deposits growth 5.0 -3.6 4.4 -3.5 4.2 Treasury Acquisitions / divestments / run-off FX impact and other -0.1 0.0 -0.1 -0.3 -0.1 End of period 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 1Q2026
Slide 35 — 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 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 Other customer lending Beginning of period 8.9 8.1 7.9 7.8 9.0 Net core lending growth 0.9 0.9 0.2 0.0 -0.0 Treasury Acquisitions / divestments / run-off FX impact and other1) -1.1 End of period 9.8 8.9 8.1 7.9 7.8 Customer deposits Beginning of period 16.4 14.9 12.6 12.1 10.9 Net core deposits growth -1.7 1.6 2.4 0.9 1.6 Treasury Acquisitions / divestments / run-off FX impact and other 0.2 -0.1 -0.1 -0.4 -0.4 End of period 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 1Q2026
Slide 36 — 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 -0.9 -0.9 -0.9 -0.7 Net core lending growth 0.0 0.0 0.0 0.0 0.0 Treasury -0.0 -0.2 -0.1 0.0 -0.2 Acquisitions / divestments / run-off FX impact and other End of period -1.2 -1.2 -0.9 -0.9 -0.9 Other customer lending Beginning of period 7.6 6.9 7.0 7.1 7.2 Net core lending growth -0.0 0.6 -0.1 0.3 -0.2 Treasury -0.2 0.1 0.1 -0.4 0.1 Acquisitions / divestments / run-off1) -0.1 -0.1 -0.1 -0.1 -0.1 FX impact and other -0.0 End of period 7.3 7.6 6.9 7.0 7.1 Customer deposits Beginning of period 4.7 12.0 11.8 11.7 5.9 Net core deposits growth -0.4 0.2 0.1 0.0 0.0 Treasury 6.3 -7.4 0.0 0.0 5.8 Acquisitions / divestments / run-off -0.0 -0.0 -0.0 -0.0 -0.0 FX impact and other -0.0 0.0 0.0 0.0 0.0 End of period 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 1Q2026
Slide 37 — 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 0.0 Net core lending growth Treasury Acquisitions / divestments / run-off2) -0.1 FX impact and other3) 2.5 End of period 2.4 Other customer lending Beginning of period 0.3 0.3 0.3 0.2 0.3 Net core lending growth Treasury Acquisitions / divestments / run-off2) -0.2 FX impact and other3) 1.3 0.0 0.0 -0.0 End of period 1.4 0.3 0.3 0.3 0.2 Customer deposits Beginning of period 0.0 0.0 0.0 0.0 0.0 Net core deposits growth Treasury Acquisitions / divestments / run-off2) -0.2 FX impact and other3) 0.8 End of period 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 1Q2026
Slide 38 — 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 1Q2026