ING 1Q2023 Financial Targets Update

Growing base of mainly sticky insured retail deposits Growing base of insured deposits from private individuals as main source of funding ■ €435 bln deposits representing ~70% of total customer deposits (excl. GT) and ~43% % of our balance sheet High share of insured deposits at ~83%, reflecting that ~95% of our customers has a balance below the €100k DGS-hurdle Large customer base spread over 10 countries, generally sticky base through turbulent time Deposits in Business Banking mainly from primary clients ■ €114 bln deposits representing ~20% of total customer deposits (excl. GT) and ~11% of our balance sheet Share of insured deposits at ~35% ■ More than 75% of our >1.5 mln Business Banking clients consider ING as their primary bank Deposits in WB mainly from PCM clients ■ €66 bln deposits representing ~10% of total customer deposits (excl. GT) and ~6% of our balance sheet ■ More than 95% from payment and cash management clients, differentiated across >40 countries around the globe Customer deposits excluding Group Treasury (in € bln) 600 500 400 300 200 100 0 2018 2019 2020 2021 2022 Mar-23 Private individuals Business Banking Wholesale Banking 24 24

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