Investor Presentaiton

Well-diversified lending credit outstandings" by activity ING Group Retail Banking Wholesale Banking 32% €810 bln 17% 19% €550 bln 4% 68% 5% 12% 21% 2% 14% 6% €550 bln €259 bln 22% 16% 60% 17% 8% 12% 65% Retail Banking Wholesale Banking Residential mortgages Consumer Lending Business Lending ■Other Lending²) Mortgages Netherlands Other lending Netherlands ■Mortgages Belgium Other lending Belgium ■Mortgages Germany Other lending Germany Mortgages Other Other lending Other Lending Daily Banking & Trade Finance Financial Markets Treasury & Other ■ING has a well-diversified and well-collateralised loan book with a strong focus on own-originated mortgages and senior loans 1) Lending and money market credit outstandings, including guarantees and letters of credit, excluding undrawn committed exposures (off-balance sheet positions) 2) Other includes €87 bln Retail-related Treasury lending and €5 bln Other Retail Lending 22

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