Investor Presentaiton

RETAIL & BANK DIVISION: KEY INCOME STATEMENT INDICATORS EUR m Revenue • Branch Services Income from Financial Services Revenue intra-Group Total revenue EBIT 1 Adjusted presentation Q1 20211 Q1 2022 % A 17.7 26.4 49.3% 8.7 10.5 9.0 -14.3% -1.5 Positive development driven by customer ramp-up and ING's retail business in Austria 7.1 17.4 >100% 10.2 45.9 46.6 1.5% 0.7 63.6 73.0 14.8% 9.4 Improved earnings -18.4 -10.7 41.8% 7.7 contribution vs. Q1 2021: EUR +7.7m to EUR -10.7m INVESTOR PRESENTATION Investor Relations Vienna, 13 May 2022 32 22

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