Investor Presentaiton

Delivering strong value in 2Q2023 Continued primary customer growth +227,000 versus +106,000 in 1Q2023 High share of mobile-only customers¹) 60% versus 57% in 1Q2023 Growing volume mobilised²) to finance the transition €25.0 bln versus €21.9 bln in 1Q2022 Strong total income growth 23% year-on-year Increasing return on equity³) 11.7% 4-quarter rolling Attractive shareholder return €4.5 bln distributed YTD4) 1) Retail customers who used the mobile channel at least once in the last quarter 2) Volume mobilised for WB clients; includes loan products, capital markets, derivatives and advisory propositions that support clients by financing their sustainable activities and in the transition to a more sustainable business model. In case of an ESG lead role the pro-rata share of the transaction is included, otherwise our final take is included 3) ING Group return on equity is calculated using IFRS-EU shareholders' equity after excluding amounts reserved for future distribution 4) Based on payment date, including announced interim dividend over 1H2023 and the total amount of the ongoing €1.5 bln share buyback 2

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