Ahead to the Future: Austrian Postal Market and Bank99 Overview

RETAIL & BANK DIVISION: 2021 REVENUE DEVELOPMENT Revenue development EUR m 67.4 +10.8% 74.7 ING Retail & Bank Division: +10.8% Launch of bank99 in April 2020, acquisition of the private customer business of ING in Austria at the end of 2021 Income from Financial Services: EUR +10.3m - Positive development due to customer ramp-up and expansion of the product portfolio Branch Services: EUR -3.0m Lower revenue from retail goods in 2021 Income from Financial Services 22.6 +45.8% 32.9 Branch Services 44.8 -6.8% 41.8 1 Adjusted presentation 20201 INVESTOR PRESENTATION Investor Relations Vienna, 11 March 2022 2021 42

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