Chief Executive Officer Statement
“I am delighted with our third quarter results,” said Stephen Van Regiswick, ING CEO. “We have seen a steady increase in mortgage lending, but the demand for loans from businesses has had an impact on the economic impact of the CVD epidemic. Nevertheless, our business loan margins were slightly higher and we saw strong growth in accounting payments, investment products and loans.

“Expenditures were under control. The quarter included 180 180 million in compensation to Dutch retail customers, which included interest rates that did not adequately follow market prices. It has already taken over. Inflation: We will continue to support our customers to the best of our ability. I am grateful for the loyalty of our customers.

“We aim to digitalize processes to increase productivity and reduce customer time spent in banking. The digital home buying platform ‘HOME’ in Germany is being used by customers, consultants, brokers and bank partners. This reduces the manual work for consultants and partners and greatly reduces customer decision-making.

“We have a complete digital product offering in Romania, where more than 70% of our customers connect with us on their mobile devices, including personal loans, insurance, investments, savings, current accounts, marketing programs, mobile card payments and virtual cards.” He grew up.

In the third quarter, we continue to take action to fight climate change, aiming to invest our money in oil and gas, and to set net zero targets for eight sectors in Terra. Presentation. Many of our clients believe in alignment as a leading data center provider to achieve their sustainability and long-term growth aspirations. They are taking positive steps on the sustainability of the digital infrastructure sector. Over the past 12 months, ING has received four consecutive terms of engagement from Aling, which have helped secure the first data center, sustainable loans, and the first green data center.

With a focus on our customers, we started a stock return program as we began the process of optimizing our capital. I am pleased to be able to return the capital to our shareholders, and thank you for your understanding of the distribution restrictions at the time of the outbreak.

“Our hybrid work starts in ING countries around the world and colleagues gradually start returning to the office, but we have to be vigilant until the epidemic really ends. In the meantime, I appreciate everyone’s flexibility and commitment.

ING Profile
ING is a strong European-based international financial institution that provides banking services through ING Bank. The purpose of ING Bank is to enable people to move forward in life and business. Ing Bank offers more than 57,000 employees retail and wholesale banking services to customers in more than 40 countries.

The ING Group shares are listed on the Amsterdam (INGA NA, INGA.AS), Brussels and New York Stock Exchange (ADRs: ING US, ING.N).

Sustainability is an integral part of ING’s strategy, which shows that ING has a leading position in sector standards. The ING ESG standard was upgraded to ‘AA’ by MSCI in December 2020. ING Group shares are included in the major sustainability and environmental, social and management (ESG) index products STOXX, Morningstar and FTSE Russell. In January 2021, ING received 83 (‘strong’) ESG rating points from S&P Global Ratings.

Important legal information
The parties to this press release may hold or retain information about ING Groep NV and / or ING Bank NV under the provisions of Articles 7 (1) to (4) of EU Regulation 596/2014.

Ing Group’s annual accounts are prepared in accordance with the International Financial Reporting Standards (IFRS-EU). In compiling the financial information in this document, the same accounting principles apply to the 2020 Ing Group’s consolidated annual accounts, except as otherwise stated. All figures in this document are not audited. There may be small differences in the tables due to twisting.

The specific statements contained herein are not historical facts, including unrestricted, specific statements of future prospects and other future statements based on the current views and assumptions of the administration and are uncertain as to the known and unknown risks and possible consequences. If performance or events are materially defined or
Included in such statements. Actual results, performance or performance may differ from those in these statements for a number of reasons, including unrestricted (1) general economic conditions and changes in consumer behavior, especially economic conditions in major ING markets, including changes. Currency exchange rates (2) The impact of the CVD-19 epidemic and related response measures, including locks and travel restrictions, on economic conditions in ING countries, ING trade and operations and interest rates on ING staff, customers and partners (3) 4) (4) any major market participants default and related market disruptions (5) Financial market performance changes, European and emerging markets (6) Political instability and physical instability in Europe and the United States (7) Breaking or changing benchmark indexes (8) Inflation and Inflation in our Major Markets (9) Changes in Credit and Capital Markets in general, changes in borrowers and equity loans (10) Banks failing within the scope of regional compensation plans (11) Non-compliance with laws and regulations Or changes, including financial services, economic economic offenses and tax laws, and their interpretation and implementation (12) geopolitical risks, political instability and policies and actions of government and regulatory authorities (13) Legal and regulatory risks In some countries less developed legal and regulatory frameworks ( 14) Careful controls and regulations, including stress tests and restrictions on distribution and distribution (among members of the group) (15) UK outcomes from the EU, licensing and proportional decisions (16) ING minimum Capacity to meet capital and other regulatory requirements (17) ING and its customers US products and products (18) Implementation, write and exchange power of bank recovery and solution regimes (19) Current and future outcomes in relation to our security. Disputes, enforcement proceedings, investigations or other regulatory measures, claims and other ethical issues by erroneous customers (20) changes in tax laws and regulations and risks of non-compliance or investigation into tax laws, FATCA (21) such as system interruptions or failures , Security breaches, cyber attacks, human error, practices changes or inadequate controls (22) risks and challenges related to cybercrime, including third parties with whom we do business, and changes to cyber security and data privacy (23) Changes to related laws and regulations are generally competitive. (24) inability to protect our intellectual property and the rights of third parties (25) inability to meet the financial obligations of partners or in enforcing rights against such entities (26) in credit rating (27) business, operation, Control, Name, and Other Risks and Challenges Related to Climate Change (28) Failure to Attract and Maintain Key Workers (29) ) Changes in the capital and credit market, including Interbank funds, as well as the amount of money and capital required to support our customers’ deposits. And (32) other recent hazards and uncertainties listed in the ING Groep NV Annual Report (including the Accident Risk Factor) and ING’s most recent statements, including press releases

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