Investor Presentaiton

Continued loan growth and significant deposit inflow Customer lending (in € bln) Net core lending growth €2.8 bln 639.5 0.7 0.3 0.4 1.9 2.2 0.3 0.9 643.2 -2.5 -0.2 -0.2 1Q2023 Retail Retail Retail Netherlands Belgium Germany Retail Other WB Lending WB DB&TF¹) WB Other¹) Treasury FX Other 2) 2Q2023 Net core lending growth was €2.8 bln ■ Retail Banking was €3.3 bln higher. Mortgages grew by €2.7 bln, primarily reflecting growth in Australia, the Netherlands and Germany. Other lending increased by €0.6 bln ■ Wholesale Banking decreased by €0.6 bln. Growth in Lending was offset by lower volumes in Trade and Commodity Finance and in Working Capital Solutions, reflecting lower commodity prices and economic activity ■ Net core deposits growth was €17.2 bln Growth in Retail Banking was €18.9 bln, mainly driven by inflows in Germany, following successful promotional campaigns ■ Wholesale Banking was €1.7 bln lower 1) DB&TF is Daily Banking & Trade Finance; WB Other includes Financial Markets 2) Other includes run-off portfolios (Lease, WUB and Retail France) 8

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