ING 1Q2023 Financial Targets Update

1Q2023 results overview In € mln Net interest income Reported P&L 4,012 Volatile items P&L excluding volatile items 1 4,010 Net fee and commission income 896 0 895 Investment income 15 15 1 Other income 644 -45 690 Total income 5,567 -29 5,596 Expenses excl. regulatory costs 2,546 4 2,541 Regulatory costs 525 0 525 Operating expenses 3,071 4 3,066 Gross result 2,496 -34 2,530 Addition to loan loss provisions 152 0 Result before tax 2,344 -34 152 2,378 Taxation 715 Non-controlling interests Net result 38 1,591 17 17

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