|ING PROFILEING is a global financial institution with a strong European base, offering banking services through its operating company ING Bank. ING Bank’s goal is to empower people to stay ahead in life and in business. ING Bank’s more than 57,000 employees provide retail and wholesale banking services to customers in more than 40 countries. ING Group shares are listed on the Amsterdam (INGA NA, INGA.AS), Brussels and New York Stock Exchange (ADR: ING US, ING.N) stock exchanges. Sustainable development is an integral part of ING’s strategy, as evidenced by ING’s leading position in sector benchmarks by Sustainalytics and MSCI and our “A-list” rating by CDP. ING Group shares are included in the main sustainability indices and environmental, social and governance (ESG) indices of the main suppliers STOXX, Morningstar and FTSE Russell. In January 2021, ING received an ESG assessment score of 83 (“strong”) from S&P Global Ratings. IMPORTANT LEGAL INFORMATIONElements of this press release contain or may contain information about ING Groep NV and / or ING Bank NV within the meaning of article 7, paragraphs 1 to 4, of EU Regulation n ° 596/2014. this release is not historical. facts, including, without limitation, certain statements made about future expectations and other forward-looking statements that are based on the current beliefs and assumptions of management and involve known and unknown risks and uncertainties that could cause so that actual results, performance or events differ materially from those expressed or implied in such statements. Actual results, performance or events may differ materially from those shown in these statements due to a number of factors, including, without limitation: (1) changes in general economic conditions, in particular conditions markets in ING’s main markets, including changes affecting exchange rates, (2) the effects of the Covid-19 pandemic and associated response measures, including travel blockages and restrictions, on economic conditions in the countries in which ING operates, on ING’s activities and operations and on ING’s employees, customers and counterparties, (3) changes affecting interest rate levels, (4) any default of a major market player and related market disruption, (5) changes in the performance of financial markets, including in Europe and in developing markets, (6) political instability and fiscal uncertainty in E urope and the United States, (7) stopping or changing benchmarks, (8) inflation and deflation in our main markets, (9) changing conditions in the credit and capital markets in general, including changes in the creditworthiness of borrowers and counterparties, (10) bank failures under state indemnity regimes, (11) non-compliance or changes in laws and regulations, including financial services and tax laws, and the interpretation and application thereof, (12) geopolitical risks, political instabilities and the policies and actions of governmental and regulatory authorities, (13) legal and regulatory risks in certain countries with less developed legal and regulatory frameworks, (14) prudential supervision and regulation, including with regard to stress tests and regulatory restrictions on dividends and distributions, (é also among the members of the group), (15) the regulatory consequences of the withdrawal of the United Kingdom from the European Union, including authorizations and equivalence decisions, (16) ING’s ability to respect the minimum capital and other prudential regulatory requirements, (17) regulatory changes in the US commodities and derivatives activities of ING and its clients, (18) the application of bank reorganization and resolution regimes, including the powers of impairment and conversion with respect to our securities, (19) the outcome of ongoing and future litigation, enforcement proceedings, investigations or other regulatory actions, including claims from clients who feel they have error and other conduct issues, (20) changes in tax laws and regulations and risks of non-compliance or investigation in relation to tax laws, including FATCA, (21) operational risks, te ls as disruptions or failures of the system, security breaches, cyber attacks, human errors, changes in operational practices or inadequate controls, including with respect to third parties with whom we do business, (22) cybercrime risks and challenges, including the effects of cyber attacks and changes in laws and regulations relating to cybersecurity and data privacy, (23) changes in general competitive factors, including the ability to increase or maintain market share, (24) the inability to protect our intellectual property and infringement claims by third parties, (25) the inability of counterparties to meet their financial obligations or the ability to enforce their rights against such counterparties, (26) credit rating changes, (27) commercial, operational, regulatory, reputational and other risks and challenges res related to climate change, (28) inability to attract and retain key personnel, (29) future defined benefit pension plan liabilities, (30) inability to manage business risks, including related to ” use of models, the use of derivatives or the maintenance of appropriate policies and guidelines, (31) changes in capital and credit markets, including interbank financing, as well as customer deposits, which provide the liquidity and capital required to finance our operations, and (32) the other risks and uncertainties detailed in the most recent annual report of ING Groep NV (including the risk factors contained therein) and the relevant information latest news from ING, including press releases, which are available at www.ING.com. This document may contain inactive text addresses to websites operated by us and third parties. Reference to these websites is for informational purposes only, and information found on these websites is not incorporated by reference in this annual report. ING makes no representations or warranties as to the accuracy or completeness of the information found on websites operated by third parties, and assumes no responsibility for such information. ING specifically declines all responsibility for information found on websites operated by third parties. ING cannot guarantee that websites operated by third parties will remain available after the submission of this document or that the information found on these websites will not change after the submission of this document. Many of these factors are beyond ING’s control. Any forward-looking statement made by or on behalf of ING is only valid on the date on which it is made, and ING assumes no obligation to publicly update or revise any forward-looking statement, whatsoever accordingly. new information or for any other reason. This document does not constitute an offer to sell or the solicitation of an offer to buy any securities in the United States or in any other jurisdiction.